Your DTI ratio tells lenders how much of your income is already committed to debt — a ratio above 40–50% makes new loan approval difficult.
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Indian banks call this FOIR (Fixed Obligation to Income Ratio):
<40% — healthy, good loan eligibility
40–55% — caution zone, conditional approval
>55% — high risk, likely rejection
Different lenders have different thresholds. Credit score and income stability also influence eligibility. See our full disclaimer.