Personal Loan Decision & Advisory Tool

Evaluate your repayment capacity, liquidity buffer, and real cost of borrowing. This tool uses professional FOIR (Fixed Obligation to Income Ratio) parameters to assess financial health before taking on leverage.

Financial & Loan Parameters

A. Personal Financial Capacity

Net Monthly Income

₹

Existing EMIs (Total)

₹

Monthly Living Expenses

₹

Current Liquid Savings

₹

B. Proposed Loan Details

Required Loan Amount

₹

Interest Rate (p.a.)

%

Tenure

Years

C. Intent & Context

Loan Type

Home Loan Vehicle Loan Personal Loan Business/Investment

Primary Purpose

Asset Creation Consumption / Lifestyle Business Growth

Job / Income Stability

High / Stable (Govt/MNC) Moderate (Private Sector) Variable (Business/Freelance)

Upcoming Major Expenses?

No major planned expenses Yes (Education, Marriage, etc.)

Advisory & Output

Decision Summary

Enter your financial parameters to see the advisory outcome.

Estimated Monthly EMI

-

-% of Income

FOIR (Total Debt Ratio)

-

Safe limit < 50%

Total Interest Burden

-

Over loan lifetime

Liquidity Coverage

-

Months of buffer

Risk Flags & Actionable Insights

• Awaiting complete inputs...

Tax Advisory: You may be eligible for significant tax deductions under Sec 24(b) and 80C. Proper structuring can effectively lower your net interest rate.