Deep analysis in four steps
The engine goes far beyond a credit score check. It models your long-term repayment capacity the same way a senior underwriter would.
5 quick steps: personal details, employment, financial obligations, property and behavioural signals. Takes under 4 minutes.
The engine computes Career Longevity, Income Stability, Emergency Buffer, Industry Future Risk and Age Risk to build your Repayment Sustainability Index.
RSI score, 3-zone EMI plan (Comfort, Recommended, Maximum), sustainable loan amounts, lender priority ranked by rate and approval odds.
We show the difference between what a bank will approve and what you can sustainably afford. Personalised steps to improve your score over 3, 6 and 12 months.
What your Eligibility Report shows
A single score 0-100 that captures your long-term ability to repay — not just today but across a 25-year horizon.
Comfort EMI (30% of disposable), Recommended EMI (40%) and Maximum EMI (50%). Know your real capacity before you approach a bank.
Lenders ranked by combined score: 60% approval probability plus 40% interest rate efficiency. Best deal first, not just easiest approval.
Check your Borrowing Capacity
Answer a few quick questions and find out how much home loan you can comfortably afford, the EMI that fits your budget, and the lenders most likely to say yes — at the best rate.
Ready to speak with an advisor?
Share your Eligibility Report with a MARG advisor and we will find the right lender, structure the right tenure and get you the best available rate.