Work out what share of income goes to EMIs and how much room is left for new loans
Before taxes and deductions
Rental income, side business, etc.
Total minimum payments across all cards
Alimony, child support, etc.
Sample inputs
0.0%
Excellent
Below 20%. Substantial headroom for additional EMI under typical bank FOIR limits.
Ideal: Below 28%
Ideal: Below 36%
Extra monthly obligation before hitting common FOIR ceilings (on gross income entered):
Common bank target
Upper band for many products
Hard to justify for new loans
Labels match the colour on your result card. Banks use similar FOIR logic but set their own cut-offs.
| Range | Label | Typical reading |
|---|---|---|
| 0–20% | Excellent | Wide margin before common 40–50% FOIR limits. |
| 21–36% | Good | Comfortable for most secured and unsecured products. |
| 37–43% | Fair | Near upper band; loan size may be trimmed. |
| 44–50% | Poor | Little room unless lender uses net income or adds co-borrower. |
| 50%+ | High | Obligations exceed half of gross — new EMI unlikely to pass. |
FOIR (fixed obligation to income ratio) is the Indian equivalent of back-end DTI. Figures vary by bank, salaried vs self-employed, and credit score.
| Product | Housing share | Total FOIR | Notes |
|---|---|---|---|
| Home loan | Often ≤40% of net | Often 50–60% | Many banks count net take-home, not gross |
| Personal loan | — | ~40–50% | Existing EMIs reduce eligible amount |
| Car loan | — | ~45–55% | Shorter tenure; collateral helps |
| Education loan | — | Flexible | Repayment may start after course; co-borrower common |
Adds up monthly EMIs and minimum card payments, divides by gross monthly income (plus any additional income you enter), and shows back-end DTI, housing-only front-end DTI, and spare EMI capacity at 36%, 43%, and 50% ceilings.
Back-end DTI = total monthly obligations ÷ total monthly income × 100. Front-end uses only home loan EMI or rent. Income is gross unless you mentally adjust for banks that underwrite on net salary.
Example (defaults): ₹50,000 gross income, ₹25,000 total EMIs → 50% back-end DTI; ₹15,000 housing → 30% front-end. A 36% cap allows ₹18,000 obligations, so you are about ₹7,000/month above that band.
Home loan or rent, vehicle EMI, card minimums, education and personal loans, and other fixed monthly payouts (alimony, etc.). Living costs — groceries, fuel, school fees, insurance — are not in DTI; banks assume those from what is left after EMIs.
Indian lenders quote FOIR, which is the same idea as back-end DTI but often on net income and sometimes excluding certain allowances. Your bank may also pull EMIs from the credit bureau rather than your estimate. Treat this page as a self-check before you apply.
Credit score, CIBIL overdue history, employer stability, co-applicant income, and one-off bonuses are not modelled. Variable income may be haircut by the lender. Self-employed borrowers are often assessed on average ITR income over two years.
Run the home loan or personal loan EMI calculator with the amount you need and add that EMI here to see post-loan FOIR. Paying off a small personal loan or clearing card revolving balance usually drops DTI faster than stretching tenure on a large home loan.
Disclaimer: DTI bands are indicative. Each lender sets its own FOIR rules on gross or net income. Approval depends on credit profile, not this ratio alone.
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