Planning Hub
Skip the confusion. Access dedicated calculators, loan document checksheets, and clear explanations of key financial variables used by underwriters.
Calculators
Click on any of our dedicated standalone tools below to run financial scenarios instantly.
Check monthly EMIs, principal portions, and overall interest payouts across target tenure options.
Estimate your maximum borrowable principal limit based on salary parameters and current EMI obligations.
Calculate Systematic Investment Plan (SIP) returns or lumpsum compounding scenarios with visual donut charts.
Calculate the exact nest egg required for your target retirement age and find out your monthly SIP requirement.
Simulate how long your savings will last or find out how much you can draw using simple or 3-Bucket strategies.
Stress-test your retirement plan against capital gains tax, early-year market shocks, and Monte Carlo paths.
Take our Mutual Fund advisory intake questionnaire. Log risk profiles to receive personalized scheme proposals.
Guides
Before banks approve your loan, they evaluate these metrics to define safety thresholds. Here is what they mean:
FOIR is the percentage of your monthly income that goes toward paying fixed debts (like credit cards or existing EMIs). Banks usually limit this to 40% to 50% of your net monthly income.
💡 Example: If your monthly take-home salary is ₹1,00,000 and the bank's FOIR limit is 40%, your total combined EMIs cannot exceed ₹40,000 per month.
LTV determines what percentage of the property or asset value the bank is allowed to fund. Under regulatory guidelines, LTV for home loans ranges between 75% and 90% depending on the agreement value.
💡 Example: For a home valued at ₹1 Crore, a bank with a 80% LTV limit will provide a maximum loan of ₹80 Lakhs. The remaining ₹20 Lakhs must be paid by you as a downpayment.
Documents
Ensure you have these primary documents ready to ensure instant bank logging and prevent file rejections.
