FOIR Limits by Borrower Type — India 2026
What percentage of your income lenders will commit to EMIs
Fixed Obligation to
Income Ratio
Borrower Type
Ceiling (relative)
FOIR
Salaried, large employer
Most Common
50–55%
Salaried, small company
45–50%
Self-employed professional
45–50%
Self-employed business
40–45%
NRI borrower
40–45%
Income above ₹2L / month
Up to 55%
Source: Gulmohar analysis of public lender guidelines, 2026
gulmohar.ai