Free loan self-check for Indian borrowers

Know what you can safely borrow — before you meet a lender.

A lender tells you how much you can get. Borrower Copilot tells you how much you should take — plus a fair interest rate and the EMI you shouldn't cross.

See an example →

No login
No documents
Runs entirely in your browser

Example result

Salaried · asked for ₹8,00,000 personal loan

Borrow — but only what you need

Safe to borrow

₹7.5L–₹9.5L

Lender may offer

₹21.5L–₹27.0L

Fair interest rate: 10.5%–12.5%
All-in cost incl. fees: 11.8%–13.8%
EMI ceiling: ₹30,000/month

Every number comes with a one-line reason you can check.

What you get

Four answers you can act on

Covers personal, home, gold, two-wheeler and business loans, and loans against property.

Should you borrow?

A clear verdict — borrow, borrow less, or don't borrow right now — with the reason behind it.

How much is safe

What a lender might sanction next to what your income can comfortably repay, stress-tested.

A fair interest rate

A rate band for a profile like yours, plus the all-in cost (APR) once fees and GST are added.

Your EMI ceiling

The monthly payment not to cross, how tenure changes total interest, and one stress test.

Why it matters

The amount a lender offers isn't the amount you can afford

Lenders size a loan by what they can recover. That number is usually higher than what fits your budget. We work out both, separately, and always recommend the safe one.

Lender's view

Up to 40–55% of income can go to EMIs
Longest tenure the product allows
Collateral can raise the amount

Your safe view

Checks EMI share and money left after essentials — uses the lower
Must survive a 15% drop in income
Priced at the top of the fair rate band
Collateral never raises it

How it works

Three minutes, start to finish

Step 1
Answer about 9 questions
Income, existing EMIs, what the loan is for. Questions adapt — a salaried employee isn't asked about ITRs or collateral.
Step 2
Get four answers, each with a why
Every number comes with a one-line reason. Skip a question and the ranges widen instead of guessing.
Step 3
Take the Negotiation Card
A one-screen summary of your safe amount, fair rate and EMI limit — screenshot it or copy the text before you visit a lender.

Try it without typing

See a full result for a sample borrower

Three real-world profiles — a salaried professional, a self-employed business owner and an informal earner — each leading to a different verdict.

Good to know

What this is — and isn't

Private by design: There's no account and no server. Your answers never leave your device — every number is calculated in your browser.
Market references, not offers: Rate bands and fees reflect Sept 2026 market references. They are not any lender's offer and not a credit check.
Honest about gaps: Say "I'm not sure" and the result shows lower confidence and wider ranges — it never quietly assumes zero.

Check your numbers first.

Walk into the branch knowing your limit, not hearing it.