Check Loan Eligibility & EMI Affordability in ₹ INR
Excellent
Max EMI (at 40% DTI)
₹0
Est. Loan Amount (9% for 20 yrs)
₹0
DTI Ratio = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100
Banks in India use DTI to assess your repayment capacity. Lower DTI = Higher loan approval chance.
DTI < 36% → Excellent
36%–43% → Acceptable
43%–50% → Risky
>50% → High Risk
Common Debts Included:
Used by SBI, HDFC, ICICI, Axis and all major lenders in India.
Sources: RBI Guidelines, CIBIL, BankBazaar, Paisabazaar (2025)