NIRVAH BORROWING CLARITY

Know what you can
comfortably borrow.

Accurately estimate your maximum borrowing capacity in seconds based on your monthly income, existing debt obligations, and repayment preference.

Applicant Financial Profile

No Credit Score Impact
Salary credited to bank after tax and statutory deductions
Include existing home loans, car loans, or personal credit card EMIs
Assessment Output
High Eligibility Probability
Estimated Maximum Loan Amount
₹ 7,04,250
Max Allowable Monthly EMI ₹ 22,500 / mo
Debt-to-Income (FOIR) Limit 50.0%
Interest Rate Applied 10.5% p.a.

• This evaluation is an indicative calculation based on standard underwriting FOIR parameters. Final sanction depends on document validation and credit bureau verification.

Apply for Pre-Approved Loan
UNDERWRITING INSIGHTS

How NIRVAH Determines Your Eligibility

Understanding the key factors that financial institutions evaluate.

1. FOIR (Fixed Obligation to Income Ratio)

Underwriters mandate that your combined monthly debt repayments (including the proposed new loan) must not exceed 40% to 50% of your net monthly earnings.

2. Credit History (CIBIL Score)

A credit score of 700+ demonstrates disciplined repayment behavior and unlocks lower interest rates and higher loan limits.

3. Employment Stability

At least 1 year of total work experience with a minimum of 6 months in your current enterprise ensures consistent income reliability.