Free Tool
Loan eligibility calculator
Turnover, profit margin, property value, existing EMIs and city — an instant, realistic estimate of what you can raise.
You may qualify for up to
₹39.90 L
Estimated EMI ₹41,667 at about 9.5% p.a.
*Indicative. Actual eligibility is assessed on ITRs, GST returns, bank statements, bureau conduct and the lender's credit policy.
Next: work out the EMI or check your property LTV.
Frequently asked questions
How do lenders decide business loan eligibility?
They look at cash profit from ITRs and GST returns, bank statement conduct, business vintage, bureau score and the security offered. Total EMI obligations are usually capped at 50%–60% of monthly cash profit.
How much loan can I get against my turnover?
For unsecured business loans, sanction typically stays within 20%–25% of annual turnover and within the EMI your cash profit can service. A working capital OD/CC limit is generally sized at about 20% of projected turnover.
Do existing EMIs reduce my eligibility?
Yes. Every running EMI is deducted from the EMI capacity, which directly lowers the new loan amount. Consolidating high-cost loans often restores eligibility.
Can I improve my eligibility?
Offer property as security, extend the tenure, add a co-applicant with income, clean up cheque returns in your bank statements, and improve the bureau score before applying.