₹50,000/month ki in-hand salary par, koi purani EMI na ho to, 50% FOIR ke hisaab se tum ₹25,000/month tak ki EMI afford kar sakte ho — 11% rate par 5 saal me ye lagbhag ₹11.5 lakh ka personal loan banta hai. Asli eligibility bank tumhare credit score aur company profile par bhi tay karta hai.
Personal Loan Eligibility Calculator
Personal loan eligibility home loan se alag kyun hai?
Personal loan unsecured hota hai — bank ke paas koi property ya car girvi nahi hoti. Isliye bank yahan zyada sakht hota hai: kai jagah FOIR 40–50% hi rakha jata hai, minimum monthly income ki sharth hoti hai (metro me aam taur par ₹25,000–₹30,000+), aur employer ka profile (badi company/MNC vs chhoti firm) bhi rate aur eligibility dono par asar dalta hai. Kuch bank sirf chuni hui companies ke employees ko hi personal loan dete hain.
Upar ke example me hisaab seedha hai: ₹50,000 × 50% = ₹25,000 EMI seema. 11% par 5 saal (60 mahine) ke liye is EMI se ₹11,49,826 ka loan banta hai. Agar tumhari pehle se ₹5,000 ki EMI chal rahi hoti, to seema ₹20,000 reh jati aur eligibility lagbhag ₹9.2 lakh par gir jati — isiliye purane chhote loans pehle band karna personal loan me bhi kaam karta hai.
Eligibility girane wali 4 aam galtiyan
- Ek saath kai jagah apply karna: Har application ek hard enquiry chhodti hai; 4–5 enquiries ek mahine me score ko neeche kheenchti hain aur bank ko "credit hungry" signal deti hain.
- Credit card limit ka 70–80% bhara rakhna: High utilization score ko dabati hai. Loan se 2–3 mahine pehle utilization 30% se neeche lao.
- Job abhi-abhi badli ho: Kai bank current company me kam se kam 6–12 mahine ka experience dekhte hain. Job switch ke turant baad apply karna risky hai.
- Purana chhota loan/credit card dues latka hona: Ek bhi missed payment report me dikhta hai aur eligibility seedha kaat deta hai.
Personal loan sabse mehenga loan hota hai — shaadi, medical emergency ya debt consolidation jaise asal kaamon ke liye hi lo. Sirf "eligible" hone ka matlab ye nahi ki lena samajhdari hai.
FAQs
Personal loan ke liye minimum salary kitni honi chahiye?
Sheher aur bank par depend karta hai. Metro shehron me zyadatar bade bank ₹25,000–₹30,000/month in-hand se neeche personal loan mushkil dete hain; kuch NBFC isse kam salary par bhi dete hain, lekin rate zyada lagta hai.
Kya personal loan eligibility ke liye credit score zaroori hai?
Haan, personal loan me score sabse bada factor hai kyunki loan unsecured hai. 750+ par best rates milte hain; 650–700 par loan mil sakta hai par mehenga; 650 se neeche approval mushkil ho jata hai.
Existing credit card dues eligibility par asar dalte hain?
Haan. Bank credit card ke outstanding ka ek hissa (aam taur par 5% ke aas-paas) tumhari monthly obligation me gin leta hai, chahe tum minimum due hi kyun na bharte ho. Bada card outstanding eligibility kaafi kaat deta hai.
Self-employed ko personal loan kaise milta hai?
2–3 saal ke ITR, bank statement aur business proof ke basis par. Declared income hi eligibility tay karti hai — ITR me income kam dikhayi ho to loan bhi kam milega, aur rate salaried ke mukable zyada lag sakta hai.
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