Is this eligibility checker a loan approval?

No. This tool gives an indicative, non-binding estimate based on the information you enter. It is not a loan offer, sanction or guarantee of approval by any bank or NBFC.

How is the eligibility amount calculated?

The estimate uses your monthly income, existing EMI obligations, employment type and credit score range to approximate how much EMI you can comfortably afford, then converts that into an indicative loan amount.

What if I don't know my CIBIL score?

You can select "Don't Know" and the tool will use a conservative estimate. For an accurate score, you can check with CIBIL or another credit bureau directly.

Does checking eligibility here affect my credit score?

No. This is a self-assessment tool based only on the details you enter and does not involve any credit bureau enquiry.

✅ Free & Instant Estimate

Smart Loan Eligibility Checker

Answer 7 quick questions and get an instant, personalised estimate of your loan eligibility, EMI and interest range — no documents needed to get started.

⚡ Takes under 2 minutes

🔒 100% secure & confidential

📊 Instant indicative result

Step 1 of 7 Loan Type

What type of loan are you looking for?

Choose the option that best matches your requirement.

Please select a loan type to continue.

How much loan amount do you need?

Drag the slider or type an exact amount.

₹5,00,000

₹50K₹20L

Or enter exact amount (₹)

Please enter a valid loan amount.

What is your employment type?

This helps us estimate your income stability.

Please select your employment type.

What is your monthly income?

Net take-home income per month, before existing EMIs.

₹50,000

₹10K₹10L+

Or enter exact monthly income (₹)

Please enter a valid monthly income.

Which city do you live in?

Start typing to search your city.

Please select your city from the list.

Do you have any existing EMIs?

Optional — total of all current monthly loan/credit-card EMIs. Leave as ₹0 if none.

₹0

₹0₹2L+

Or enter exact existing EMI (₹)

What is your approximate CIBIL score?

Choose the range that best matches your credit score.

Please select a CIBIL score range.