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FOIR Calculator

The bank's decision number — Fixed Obligation to Income Ratio.

Existing EMIs

FOIR (with proposed loan)

35.0%

Healthy

Most lenders are comfortable. You qualify for prime rates.

FOIR Bands

< 30%

Excellent

30 – 40%

Healthy

40 – 50%

Acceptable

50 – 65%

Stretched

> 65%

Risk Zone

FOIR formula: Total monthly EMIs ÷ Net monthly income × 100. Lower-income borrowers get FOIR cap of 40-50%; high earners can stretch to 60-65%.

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