Loan Eligibility Calculator
Estimate the business or personal loan you may qualify for from income or turnover, profit and existing EMIs.
How to use the Loan Eligibility calculator
- Enter income or annual turnover and profit.
- Add existing EMIs.
- Read the indicative loan range and the EMI it implies.
Good to know
- Most lenders want at least two years of business vintage and two years of ITRs before an unsecured business loan.
- Regular GST filing and steady bank credits matter as much as profit; underwriters read the last 6–12 months of statements closely.
- Applying to several lenders at once creates multiple hard enquiries; shortlist first and apply to one or two.
About this tool
Gives an indicative borrowing range using the same ratios lenders start with. It is not a sanction; use it to size a realistic request.
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
How is business loan eligibility calculated?
Lenders look at turnover, profit after tax, existing EMIs, GST and bank statement history, and business age.
Is this an approval?
No. It is an estimate to help you plan. Only a lender can approve a loan.