FOIR stands for Fixed Obligation to Income Ratio. It is the percentage of your net monthly income that goes towards paying fixed obligations like EMIs.

Why don't you ask for my phone number like other websites?

Equis is a privacy-first platform. Other websites use 'Eligibility Calculators' purely as lead-generation traps to collect your phone number and sell it to banks. We simply provide you the math anonymously.

FOIR Loan Eligibility Checker

Skip the lead-gen traps. Use bank-level underwriting mathematics (Fixed Obligation to Income Ratio) to calculate your exact maximum loan eligibility securely and anonymously.

＋Equis / Underwriting Analytics

FORM FOIR · REV. 01

Net Monthly Salary

After taxes & deductions

₹

Total Existing EMIs

All active loans combined

₹

Target Interest Rate

For the new loan

Target Tenure

Years

APPROVED

Underwriting Report

Your Current FOIR15%

Bank's Max Allowed FOIR50%

Max New EMI Affordable₹35,000/mo

Max Eligible Loan₹37,54,836

Profile Status

Good

Based on your salary bracket, banks will allow up to 50% of your income to go towards EMIs.

What is FOIR?

FOIR stands for Fixed Obligation to Income Ratio. It is the primary metric banks use to determine your loan eligibility. It calculates what percentage of your net monthly income is already consumed by fixed obligations (like existing EMIs or rent).

As a general underwriting rule in India:

Salaries under ₹30,000: Max FOIR is ~40%.
Salaries ₹30,000 - ₹1,50,000: Max FOIR is ~50%.
Salaries over ₹1,50,000: Max FOIR is ~60% (Banks assume higher discretionary income).