DTI Calculator
Calculate your Debt-to-Income ratio to understand your borrowing capacity and financial health. A lower DTI means stronger loan eligibility.
DTI Ratio
30.0%
Risk Level
Low Risk
DTI Gauge
What this means
Excellent borrowing capacity
How is DTI Calculated?
The Debt-to-Income ratio is a simple percentage:
≤ 36%
Low Risk
Excellent loan eligibility
36–50%
Moderate Risk
May face higher rates
> 50%
High Risk
Loan may be rejected
Frequently Asked Questions
What is a good DTI ratio in India? ▼
A DTI ratio below 36% is considered healthy by most Indian lenders. Between 36–50% is moderate risk. Above 50% is high risk and may result in loan rejection. Aim to keep your DTI below 40% for the best loan terms.
What is the difference between DTI and FOIR? ▼
DTI (Debt-to-Income ratio) and FOIR (Fixed Obligation to Income Ratio) are essentially the same concept. FOIR is the term commonly used by Indian banks. Both measure the percentage of income going towards debt repayments.
How can I reduce my DTI ratio? ▼
Pay off existing loans, avoid taking new debt, increase your income, or consolidate high-interest debt. Even paying off a small loan can meaningfully reduce your DTI and improve your loan eligibility.