Quantum of Finance

Income type

FOIR slab is read off combined family income.

Income of the family

RM +5% deviationFirst three slabs only, capped at 70% after deviation.

Gross monthly income (salaried)

Income year 1 (e.g. 2024-25)

Income year 2 (e.g. 2025-26)

Average annual income₹7,75,510

Gross monthly income (salaried)

Income year 1 (e.g. 2024-25)

Income year 2 (e.g. 2025-26)

Average annual income₹7,08,045

Existing monthly obligations — applicant

Existing monthly obligations — co-applicant

Combined gross monthly (salaried)₹0

Combined average annual (business)₹14,83,555

Income used for FOIR slab₹14,83,555

Applicable FOIR70.00%

Max monthly deduction capacity₹86,541

Total existing obligations₹0

Maximum EMI capacity

₹86,541

per month · after existing obligations