FOIR Check
Your fixed-obligation-to-income ratio — the number lenders look at before they look at anything else.
Your numbers
Result
FOIR after the new loan—
Fixed dues today—
Under 50% is comfortable for most lenders.
How it works
Understanding FOIR
FOIR — fixed obligation to income ratio — is the share of your monthly income already going to fixed dues: EMIs, card minimums, rent in some cases. Lenders typically want it under 50–60% after the new loan. It is the first filter every application passes through.
Every running EMI, credit-card minimum dues and, for some lenders, house rent. Utility bills and groceries do not count.
Close small loans, pay down card balances, or add a co-applicant's income before applying.