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About this tool
Check your EMI load against lender FOIR caps and the 28/36 rule, with the zone you fall in and the EMI headroom left.
Your debt to income ratio is total monthly debt payments divided by income, and Indian lenders underwrite the version called FOIR, which uses net take-home pay as the denominator. This checker computes FOIR on take-home pay, the debt-to-income ratio on gross pay, and the housing share separately, then reads them against common lender caps of roughly 40% to 55% and against the 28/36 benchmark used in mortgage underwriting. It also shows how much EMI room is left at whatever FOIR your lender applies.
Open Debt to Income Ratio Checker India on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
FOIR on take-home pay for Indian lenders and DTI on gross pay for the 28/36 rule, side by side.
Credit card minimum due rather than full outstanding, with an option to include rent as an obligation.
Tells you the EMI you could still take on, or the amount by which you are over the cap.
Under 35% of take-home pay is comfortable and leaves room for a new loan; 35% to 45% is still acceptable to most lenders; above 55% is beyond what mainstream banks underwrite. These are lender credit-policy norms, not a regulatory limit.
Lenders count the minimum amount due each month, not the full outstanding balance, because that is the committed monthly obligation. A large revolving balance still hurts indirectly by pushing up credit utilisation and lowering your credit score.
It is a mortgage underwriting benchmark: housing payments should stay under 28% of gross monthly income and all debt payments under 36%. It comes from US lending practice and is used worldwide as a conservative sanity check alongside FOIR.
Clearing the smallest high-EMI loan removes its full instalment from the numerator immediately, which moves the ratio faster than paying down a large loan slowly. Extending the tenure on an existing loan also lowers the EMI, though it raises total interest — worth discussing with your lender or a financial adviser.
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