Your FOIR
0%
₹0 of obligations against ₹0 of incomeRoom Left
₹0
EMI you could add before hitting 50%Status
—
The Arithmetic, on Your Numbers
Against Your 50% Target
Why this page does not tell you what a "good" FOIR is. There is no published grid. Lenders set their own limits, vary them by product, income level, employment type and credit history, and do not publish the table. The one figure worth citing is SBI's stated EMI/NMI range of 20% to 70%, which is a range across its lending, not a threshold for you. The tidy slabs you will find elsewhere — 40–45% at one income, 50–55% at another — are repeated between websites without a source; planning against one would mean planning against a number nobody has agreed to. So the target above is yours to set, and 50% is a common working assumption rather than a rule.
What lenders count that you might not. A credit card is treated as an obligation even if you clear it in full every month — typically 5% of the outstanding is added to your monthly commitments, which is why a large balance hurts your application whatever your repayment habits. A loan on which you are a guarantor or co-applicant usually counts too, even though you pay nothing. Rent generally does not count for FOIR, though some lenders assess it separately. Overdrafts and BNPL limits are increasingly counted. If you are close to the line, the fastest lever is almost never earning more — it is clearing a card or closing a small loan.
FOIR is one of several tests. It says whether you can service a loan, not whether you will be given one — a lender also weighs your credit score, employment stability, the loan's own security, and for a home loan the property's value. To turn the room above into an actual loan amount, the home loan eligibility calculator applies the LTV ceiling as well, and the personal loan eligibility calculator applies the income multiple — both of which can bind before FOIR does.