Personal Loan Eligibility Checker 2025 – Check Instantly | UPI24

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Personal Loan
Eligibility Checker

Find out instantly how much personal loan you qualify for — based on your income, employment, age & credit score.

Enter Your Details

Employment Type — Select — Salaried (Private) Salaried (Government) Self Employed / Business Freelancer / Consultant

Age (Years)

Monthly Net Income (₹)

₹

Existing Monthly EMI (₹)

₹

CIBIL / Credit Score

300 (Poor) 700 900 (Excellent)

Loan Tenure 12 Months (1 Year) 24 Months (2 Years) 36 Months (3 Years) 48 Months (4 Years) 60 Months (5 Years)

City Tier Metro City (Mumbai, Delhi, etc.) Tier-2 City Tier-3 / Rural

✅

Congratulations! You are Eligible

Based on your profile, you qualify for a personal loan.

Max Loan Amount

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Est. Interest Rate

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Est. Monthly EMI

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💡 Personalized Tips

How Personal Loan Eligibility is Calculated?

Lenders evaluate multiple factors before approving a personal loan. The most important factors are your monthly income, existing debt obligations (EMIs), credit score (CIBIL), employment stability, and age. Most banks follow the FOIR (Fixed Obligation to Income Ratio) rule — your total EMIs (including the new loan) should not exceed 40–50% of your net monthly income.