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Personal Loan Eligibility Calculator

₹
Your take-home salary after deductions, per month.
₹
Total EMIs you are already paying each month.
Loan tenure (months)
How long you plan to take the loan for.
%
Personal loan rates typically range from 11% to 28% p.a.
How your income is splitNet income ₹50,000
You may be eligible for₹2,74,000*
Goes to existing EMIs₹10,000
Available for a new EMI*₹7,500
Left for other expenses₹32,500

Estimated eligibility ₹2,74,000, with a free EMI capacity of ₹7,500 per month.

Available EMI capacity*₹7,500

At ₹7,487/month* over 4 years, this estimate uses a 35% EMI capacity of your net income.

* Indicative estimate only, not an offer of credit. Final eligibility is decided by each lender after credit assessment.

You could get up to ₹2.74L*.

Check real personal loan offers from our lending partners — your estimate is a starting point, not a limit.

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Personal loan offers on Groww Credit

* This calculator is for illustration only. Estimates use a 35% debt-to-income assumption and standard reducing-balance EMIs; they are not an offer or guarantee of credit.