Loan Readiness Score
Find out how lenders see your profile - before you apply. Get a personalised score and actionable tips to improve it.
No data shared. 100% calculated on your device.
Your Profile
300–900. Check your free score on CIBIL or Experian.
Readiness Score
Fill in your profile and click Calculate
Your score appears here instantly
How the score is calculated
CIBIL Score
The single most important factor - a score ≥750 gets you the best rates.
EMI Affordability
Desired EMI as % of gross income. Lenders prefer ≤30–40% (FOIR).
Loan-to-Value (LTV)
Loan amount vs property value. RBI caps most home loans at 90% LTV.
Employment Stability
Salaried MNC/PSU scores highest; gig/contract income is harder to verify.
Existing Debt Load
Existing EMIs consume part of your FOIR - less room means tighter approval.
Age & Tenure Fit
Affects maximum permissible tenure and perceived income stability.
Disclaimer: The Loan Readiness Score is a proprietary educational tool provided for indicative purposes only. It does not constitute financial, credit, or legal advice. The score is calculated entirely on your device - no personal data is transmitted or stored. It does not reflect the actual lending criteria of any bank, NBFC, or financial institution and carries no guarantee of loan approval. Actual loan eligibility depends on lender-specific underwriting policies, credit bureau data, income verification, property valuation, and applicable RBI/NHB guidelines. MoneyRoute Technologies Pvt. Ltd. is not a lender. Please consult a qualified financial advisor before making borrowing decisions.