Check Your Loan
Eligibility with Confidence
Find out how much you could borrow based on your income, existing EMIs, interest rate, and tenure—so you can apply with confidence.
Loan Eligibility Calculator
Estimate how much you can borrow based on your income and existing obligations, and plan your loan with clarity before you apply.
Flexible Personal Loan Calculator
Loan Principal Amount₹
₹50K₹25L₹50L
Interest Rate (% per annum)%
8%19%30%
Loan Duration / TenureYears
1 Year4 Years7 Years
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Estimated Monthly Outgo
₹16,607/month
Principal (84%)Interest (16%)
Principal Amount:₹5,00,000
Total Interest Payable:₹97,858
Total Amount (P + I):₹5,97,858
Flexible Home Loan Calculator
Home Loan Amount₹
₹5L₹2.5Cr₹5Cr
Interest Rate (% per annum)%
6%10.5%15%
Loan Duration / TenureYears
5 Years17 Years30 Years
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Estimated Monthly Outgo
₹26,035/month
Principal (48%)Interest (52%)
Principal Amount:₹30,00,000
Total Interest Payable:₹32,48,327
Total Amount (P + I):₹62,48,327
Flexible Business Loan Calculator
Business Loan Amount₹
₹1L₹5Cr₹10Cr
Interest Rate (% per annum)%
8%16%24%
Loan Duration / TenureYears
1 Year8 Years15 Years
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Estimated Monthly Outgo
₹46,537/month
Principal (72%)Interest (28%)
Principal Amount:₹20,00,000
Total Interest Payable:₹7,92,190
Total Amount (P + I):₹27,92,190
Check Your Loan Eligibility
Monthly Net Income₹
₹20K₹5L₹10L
Existing Monthly EMI / Obligations₹
₹0₹2.5L₹5L
Expected Interest Rate (% per annum)%
6%15%24%
Preferred Loan TenureYears
1 Year15 Years30 Years
FOIR (Max EMI Ratio)%
30%50%70%
PayYou Advantage: We negotiate with partner banks to waive processing fees and match your profile with sub-vented floating interest schemes.
Estimated Loan Eligibility
₹24,87,790
Principal (50%)Interest (50%)
Maximum Affordable EMI:₹27,500
Interest Rate:10.5%
Tenure:15 Years
Total Interest Payable:₹24,62,210
Estimated Total Repayment:₹49,50,000
Got Questions? We've Got Answers.
Categories
Choose from our specific range of topics to address all your digital banking queries.
Can't Find What You Need?
SUBMIT QUERIESLoan advisory is a financial solution that analyzes your credit profile and offers the best loan for you. At PayYouAdvisory, connect directly with the top loan lenders, banks or NBFCs, for the best in terms of approval, ROI and tenures. This way, instead of you applying randomly at multiple places, you get an all-in-one solution.
We are an authorized loan advisory and are associated with 25+ banks and NBFCs regulated by RBI. Thus you get to compare multiple options at one place. We clearly outline every step to ensure you encounter no surprises.
No. Our loan advisory service is completely free to borrowers. We are paid by our lending partners, not you.
Yes. Apply from anywhere. The whole process, from checking loan eligibility to final disbursal, is digital, so you can apply from anywhere.
As your one-stop loan advisory, we help with personal loans, business loans, home loans, loans against property, gold loans, vehicle loans, education loans, and more.
Your income, other commitments, credit score, and the lender's internal criteria all contribute to whether you will be eligible for a loan. We have a dedicated loan eligibility calculator that gives a quick indication before you apply.
ID proof, address proof, income proof, and bank statements are usually required. The exact list varies from loan type to lender, and we clarify during loan assistance.
Yes, you can compare interest rates and different loan options from our multiple lenders side-by-side so you can make an informed decision with full visibility.
Secured loans are backed by collateral (property, gold, etc.) and typically carry lower rates. Unsecured loans (such as most personal loans) do not require collateral, but they rely more on your credit profile.
The lender and loan type can impact how fast digital pre-approval leads to disbursement, which can be as quick as 24–48 hours.
It is better to take loan protection or term insurance so that you do not put your family in a burden with the EMI repayment in case of any unforeseen event.
Term insurance is pure risk cover and available at lower premiums. Life insurance may have savings or investment components along with the cover.
Yes. We compare health insurance plans as part of our financial solutions based on your coverage needs and budget.
Yes, all vehicles are legally required to have third-party motor insurance. While comprehensive cover is not required, it is recommended.
No. Our insurance advice, as with our loan advice, is free of charge to you.
We help you with fixed deposits, recurring deposits, SIPs, and savings/current account solutions. All these options make investments easy and low on risk.
FDs are a safe bet for guaranteed, low-risk returns. These are perfect if you're more focused on capital safety than high growth.
Yes. Many borrowers have small recurring investments or FD-linked SIPs as part of their savings plan along with the EMI payments so that their monthly cash flow is not affected.
Both. As an experienced loan advisor, we focus on loans primarily but also advise you on simple investment options to strengthen your overall financial position.
For most borrowers, the minimums for recurring deposits and daily saving plans are low enough to make them accessible.
The EMI is determined by your loan amount, interest rate, and tenure. Use our free loan EMI calculator to estimate it instantly before applying.
Most lenders provide the option to prepay or make a part payment to reduce your EMI or tenure. We will help you understand terms, as they vary based on the lender and the type of loan.
Missing an EMI can impact your credit score and may attract late fees. If you know you will be delayed in payment, call us early and we will help you explore options.
Some lenders allow you to change the date of your EMI. It is contingent upon the individual bank's policy, and we as your loan advisor can check this for you.
Longer tenure lowers your EMI but raises the total interest payable. Our EMI calculator helps you compare tenures and choose the optimum level.