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If you’re planning to take a personal loan, a personal loan eligibility calculator will give a quick overview of your loan eligibility and help estimate the loan amount you can get based on your income, financial obligations, or employment type.
Employer name
Monthly Income
Loan Duration
Loan duration
Monthly Expenses
Disclaimer: The aforementioned values, calculations and results are for illustrative and informational purposes only and may vary basis various parameters laid down by Tata Capital.
With Tata Capital, your personal loan eligibility depends on your age, income, credit score, professional experience, and nature of employment. Employed individuals between the age of 21 to 58 years can opt for a quick personal loan.
Tata Capital app offers instant personal loans ranging from Rs. 50,000 to Rs. 35 lakhs for various purposes – from medical emergencies to a fun international vacation. So, check your eligibility and apply for a personal loan hassle-free.
The eligibility criteria vary across salaried and self-employed individuals. Tata Capital offers flexible personal loan eligibility criteria as follows-
| Eligibility Criteria | Requirement |
|---|---|
| Nature of employment | Salaried employees with a private company or public limited company |
| Age | 21 to 58 years |
| Minimum monthly income | Rs. 15,000 |
| Minimum work experience | 1 year |
A personal loan eligibility calculator is an easy-to-use tool that helps you assess your personal loan eligibility based on key personal and financial factors. By entering basic details like your monthly income, expenses, existing EMI’s, age, job type, and loan tenure, you can get an instant estimate of the loan amount you’re eligible for.
An eligibility calculator for personal loan instantly assesses your borrowing potential and enables better comparison across lenders. This tool gives you a clear picture of your loan eligibility before a formal loan application, making the loan process faster, smarter, and more transparent. It also helps you set realistic loan expectations.
Hence, conducting a personal loan eligibility check online can help you save time and make better financial decisions.
To calculate your personal loan eligibility, you need to keep the following things in mind:
1) Check the basic criteria like:
Monthly income and expenses
Credit score
Age
Stability of employment
Existing EMI’s or debt obligations
2) These factors help the lender assess the applicant’s disposable income, creditworthiness, reliability, and repayment capacity to repay the new loan.
3) The easiest way to check your personal loan eligibility is by using an online calculator.
Here’s a guide on how to use Tata Capital’s personal loan eligibility calculator to determine the loan amount you are eligible for:
Step 1: Visit Tata Capital’s website and head to the “Personal Loan Eligibility Calculator” page.
Step 2: Enter key details such as your employer’s name, monthly income and expenses, and preferred loan tenure.
Step 3: Based on the information provided, the calculator will instantly show the eligible personal loan amount that you can borrow.
Several factors can affect your personal loan eligibility. These include-
1. Age
Your age determines the amount of loan you can apply for based on the number of working years you have ahead of you. At Tata Capital, you must be of a minimum age of 21 years to apply for a personal loan.
2. Monthly Income
Your monthly income is directly linked to the personal loan amount you are eligible for. This ensures you have adequate income to repay the loan on time. The higher your monthly income, the more loan amount you can apply for.
3. Nature of Employment
Your personal loan eligibility also depends on whether you're a salaried individual or self-employed. This is because salaried employees have a regular source of income. Whereas for self-employed individuals, their monthly income depends on business performance.
4. Credit Score
Your credit score indicates your credit history – your credit card bills and loan repayment history and is used to determine your creditworthiness. A good credit score of 750 and above can help you quickly secure a personal loan. The higher the credit score, the higher your loan eligibility.
The online personal loan eligibility calculator gives you an estimated loan amount depending on your entered values. The values, calculations, and results we mentioned earlier are there to provide you with an idea and share information. Also, remember that these numbers can vary depending on different factors set by Tata Capital.
The personal loan eligibility calculator is a free and easy-to-use online tool with no restrictions.
To calculate personal loan eligibility, you must enter details like your net income, current monthly expenses, loan tenure, and employer name in the online calculator. Once you enter the details, the results will be shown promptly, and you can get an idea of the maximum loan amount you can apply for.
But before using a personal loan eligibility check, remember that if you have moderate liabilities or expenses, you will be eligible for a higher loan amount. This is because your income, expenses, and liabilities determine your repayment capacity. So, the lower they are, the better your chances of being approved with an affordable interest rate.
With Tata Capital's loan eligibility calculator, you can figure out how much loan amount you can apply for in terms of a personal loan.
Here's how you can quickly check your loan eligibility on our website:
#1. Click here or search for Tata Capital's personal loan eligibility calculator.
#2. Go to the page with the calculator.
#3. Fill in the required information on the calculator, such as:
- Your employer's name
- Your monthly income
- The duration you want for the loan
- Your monthly expenses
#4. Click "Apply Now."
Our calculator will automatically determine your personal loan eligibility and show you the maximum loan amount you can apply for right away. Suppose you plan to apply jointly for a personal loan with your spouse or child. In that case, you can include their income in the eligibility calculator to see if you qualify for a joint personal loan.
Both employed and self-employed individuals can apply for a personal loan, and it's a good idea to use our personal loan eligibility calculator before applying for any personal finance.
Yes, you can use a personal loan eligibility calculator to compare loan eligibility across various lenders. Many lenders and financial institutions provide personal loan eligibility checks. They help you determine your eligibility for a personal loan and give you an estimate of the loan amount you can apply for.
Before you apply for a personal loan, you must know the loan amount you can apply for. Therefore, you must use the loan eligibility calculator to know how much you can apply for. It will give you an estimated figure of the loan amount you are eligible for. After you know the loan amount you are eligible for, you can begin your personal loan application process.
To apply for a personal loan online, follow the steps below:
- Visit our website.
- Fill out your mobile number and occupation type. You will receive an OTP for verification.
- Enter loan requirements. It includes the loan amount and the loan tenure.
- Fill in your personal details. Like your full name, DOB, pin code, status of employment etc.
- Upload the required documents. Like identity proof, proof of residence, income documents and employment certificate.
That's it. Once your personal loan application and submitted documents are verified, the sanctioned loan amount will be disbursed into your account in no time. The personal loan application process online streamlines the submission of essential details, documentation, and other required information.
A personal loan eligibility calculator primarily focuses on assessing your eligibility for a loan amount. While it estimates the loan amount you may be eligible for, it may not directly determine the loan repayment tenure you are eligible for.
However, you can use our personal loan EMI calculator to figure out the EMI that you will have to pay. To use this calculator:
#1. Input the loan amount you received from the eligibility calculator.
#2. Select the loan duration and specify the interest rates.
The calculator will automatically compute the EMI you must pay monthly to repay the loan within the chosen loan duration. Feel free to experiment with different loan durations until you find an EMI and loan tenure that best aligns with your needs.
Yes, the personal loan eligibility calculator can help you to determine the loan amount you are eligible for. With Tata Capital, you can apply for a personal loan of up to Rs. 35 lakhs.
Higher income increases personal loan eligibility by indicating a higher repayment capacity. Lenders prefer applicants with stable and sufficient income to ensure timely repayments.
You may get a personal loan with a monthly salary of Rs. 30,000 based on the eligibility criteria set by the lender. Please check your eligibility with our Personal Loan Eligibility Calculator.
Younger applicants can choose longer repayment periods, while older applicants may have shorter tenures due to retirement considerations. Age impacts risk assessment and repayment capacity.
To help you with your personal loan eligibility check, we have a personal loan eligibility checker. All you need to do is enter details like your net monthly income, employer name, loan tenure and expenses to find out the maximum loan amount you can secure through us.
At Tata Capital, you only need to submit a few necessary documents to avail yourself of a personal loan. These include-
Photo identity proof: A copy of your Aadhaar card/ Voter ID/ Passport/ Driving license
Address proof: A copy of your Aadhaar card/ Passport/ Driving license/ Voter ID
Income proof: A copy of salary credit or primary bank statement for the last 3 months
Copy of salary slips for the last 2 months
A certificate stating one year of continuous employment
Lenders often use the Multiplier Method to calculate loan eligibility. The formula is: Loan Eligibility = Net Monthly Income x Multiplier (A factor that usually ranges from 9 to 18).
Multiplier is based on factors like income, employer profile, credit score, and obligations. For example, an income of Rs. 50,000 with a multiplier of 15 gives Rs. 7.5 lakhs eligibility. Use the Tata Capital Personal Loan Eligibility Calculator for a precise estimate.
Last updated on: 26 Nov, 2025
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