Personal Loan EMI & FOIR Tool
Check your exact monthly installment and verify your Debt-to-Income safety ratio before applying.
Underwriting Safety Calculator
Smart EMI & FOIR Debt Safety Calculator
Calculate your exact monthly EMI and see how your Debt-to-Income ratio (FOIR) compares with commonly used lender thresholds.
Loan Amount Required₹2,00,000
₹10,000₹5,00,000₹15,00,000
Interest Rate (% p.a.)13.5% p.a.
Tenure (Months)24 Months (2 Yrs)
Calculated Monthly EMI
₹9,555 / month
Principal Amount:₹2,00,000
Total Interest Payable:₹29,320
Total Repayment Amount:₹2,29,320
Debt-to-Income (FOIR) Ratio:32% (SAFE)
Your total debt obligations are under 40% of income. A lower FOIR can improve your eligibility, though each lender applies its own underwriting criteria.