Loans · Tool
Which loans are you eligible for?
Heuristic check across 6 loan types — no CIBIL pull, no signup, no phone number. Indicative only; actual approval depends on credit score + bank-specific scoring. Computation happens entirely in your browser.
Estimated eligibility
5 of 6 loan types
Indicative only — actual approval requires credit-score check at the lender.
Personal loan
Likely eligibleMatch score
100/100
Likely amount
₹30.0 L
Indicative rate
11.25%
- • Strong profile match — likely approval
Home loan
Likely eligibleMatch score
100/100
Likely amount
₹1.31 Cr
Indicative rate
8.25%
- • Strong profile match — likely approval
Car loan
Likely eligibleMatch score
100/100
Likely amount
₹51.7 L
Indicative rate
9.25%
- • Strong profile match — likely approval
Education loan
Likely eligibleMatch score
100/100
Likely amount
₹1.06 Cr
Indicative rate
8.75%
- • Strong profile match — likely approval
Loan against FD
Likely eligibleMatch score
100/100
Likely amount
₹1.10 Cr
Indicative rate
7.25%
- • Strong profile match — likely approval
Business loan
MarginalMatch score
60/100
Likely amount
—
Indicative rate
13.75%
- • Employment type not typically eligible for Business loan
How this works
We score each loan type on 4 factors: minimum income · age at loan maturity · FOIR (fixed obligations to income ratio) · employment-type eligibility. Each factor can subtract 25-50 points from the 100-point base. ≥70 = "Likely eligible".
What we DON'T factor: credit score (we don't pull it), past loan defaults, account aggregator data. Real lenders use 30+ scoring variables; this is a starting heuristic.