Debt-to-Income Ratio
✓ Last verified 14 Sep 2026
The short version
Debt-to-income ratio is your total monthly debt payments (all EMIs combined) divided by your monthly income - lenders use it to judge how much more you can safely borrow, and it's worth checking yourself before applying.
If your combined EMIs (home loan, car loan, credit card minimums) total ₹30,000/month against a ₹90,000/month income, your debt-to-income ratio is roughly 33%. Lenders generally view a lower ratio favorably when assessing a new loan application - a high existing ratio can mean rejection or a smaller sanctioned amount, regardless of your credit score. Beyond loan approval, tracking this yourself is a useful personal check: a ratio creeping upward over time, even while each individual EMI seems manageable, is an early signal worth addressing before it becomes a real strain.
Want this worked out for your own numbers?