Glossary › FOIR
What is FOIR (Fixed Obligation to Income Ratio)?
The share of your income that goes to loan EMIs — used by banks to decide how much you can borrow.
FOIR (also called DTI) is your total monthly loan EMIs divided by net income. Banks usually cap it at 40–50%. A lower FOIR means you qualify for a larger loan; existing EMIs reduce your eligibility.
Example
On ₹1,00,000 income with a 50% FOIR cap, your EMIs can total ₹50,000.