Will the bank give this exact amount?

No. CIBIL, employer type, and property papers all change the final number.

Fixed obligation to income ratio. How much of monthly income can go to EMIs.

Should I include spouse income?

Only if you will apply jointly. Then add both take-homes.

Why did a friend get more?

Different bank, better score, or they counted bonuses. Dont copy their number.

Tools / Eligibility

Loan Eligibility Calculator

Banks look at how much of your salary already goes out as EMI. This box uses a simple FOIR style cap so you can see a safe range, not a sanction letter.

Result breakdown

Spare EMI (approx): ₹18,000
Rough eligible loan: ₹20,00,609
Income used: ₹40,000
Existing EMI: ₹0
FOIR used: 45%

This is an estimate, not an official figure.

How to use

Enter take-home monthly income, not CTC divided by 12 blindly.
Add EMIs you already pay. Skip rent unless you want to be extra tight.
FOIR 40 to 50 is a common starting point for salaried folks.

One example

Income ₹40,000, existing EMI ₹6,000, FOIR 45%, 10% for 20 years. Spare EMI is about ₹12,000, which supports a loan near ₹12 lakh. Bank may still cut it.

Common mistakes

Using CTC instead of in-hand. Eligibility drops once they see slips.
Hiding a credit card EMI. They usually find it on the bureau.
Putting 20 in tenure when the field is years, then wondering why number is wild. This one is years.

FAQs

Will the bank give this exact amount?: No. CIBIL, employer type, and property papers all change the final number.
What is FOIR?: Fixed obligation to income ratio. How much of monthly income can go to EMIs.
Should I include spouse income?: Only if you will apply jointly. Then add both take-homes.
Why did a friend get more?: Different bank, better score, or they counted bonuses. Dont copy their number.

Related tools

This is an estimate, not an official figure. CalcInHand is not a bank, Income Tax, GST or electricity board tool. Confirm important numbers on the official portal.