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Written by the Omozing Credit Team · Figures calculated with the standard reducing-balance EMI formula · Updated October 2026
| Monthly take-home | EMI room at 50% FOIR | Indicative maximum (14%, 36 months) |
|---|---|---|
| ₹40,000 | ₹20,000 | ₹5,85,000 |
| ₹50,000 | ₹25,000 | ₹7,31,000 |
| ₹60,000 | ₹30,000 | ₹8,77,000 |
| ₹75,000 | ₹37,500 | ₹10,97,000 |
| ₹1 lakh | ₹50,000 | ₹14,62,000 |
| ₹1.5 lakh | ₹75,000 | ₹21,94,000 |
| ₹2 lakh | ₹1,00,000 | ₹25 lakh (our maximum; formula ₹29.25 lakh) |
| ₹3 lakh | ₹1,50,000 | ₹25 lakh (our maximum; formula ₹43.88 lakh) |
| ₹5 lakh | ₹2,50,000 | ₹25 lakh (our maximum; formula ₹73.14 lakh) |
Illustrative only: 50% FOIR, no existing EMIs, 14% a year, 36 months, rounded down to the nearest ₹1,000. The rate is an example, not an offer; Omozing’s rates start from 11% a year. Our maximum is ₹25 lakh; higher limits may be available from other lenders or secured loans. The amount any lender offers depends on a full assessment of your credit report, income and existing loans.
Bars are to scale up to the ₹25 lakh cap. From ₹2 lakh a month the formula gives more than our maximum, so those bars stop at the cap.
Every band page shows this for two FOIR limits, three levels of existing EMIs, two example rates and two tenures, so you can find the row that looks like you. Why FOIR matters.
Every rupee of existing EMI matters here. Closing a small loan first, or adding a co-applicant, often lifts your limit more than anything else.
The formula runs from about ₹14.6 lakh up to our ₹25 lakh cap. Tenure becomes a cost choice rather than an eligibility one.
You are past our cap, so the questions are how fast to repay and whether to borrow at all. See loans for high earners.
Salaried, take-home of ₹40,000 or more, credit score from 600. Loans up to ₹25 lakh for 3–36 months, two documents, rates from 11% a year. A credit officer reads your full report.
A take-home salary of ₹40,000 a month, credited to your bank account, with a credit score from 600.
Usually take-home, as shown on your salary slip and bank statement.
Because FOIR limits, rates, tenures and existing EMIs differ. The range shows how each changes the answer.
Not from Omozing; our maximum is ₹25 lakh. Higher limits may be available from other lenders or secured loans.
Indirectly. A better profile can mean a lower rate, and the same EMI repays a bigger loan at a lower rate. How score affects rate.
Next questions people ask:
Omozing is the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered non-deposit-taking NBFC. Loans are subject to credit assessment. See our regulatory disclosures and grievance redressal process.