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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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