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Two people earning ₹45,000 a month can get very different answers from a lender — because one salary is visible in a bank statement and the other isn't. Here's what an underwriter can actually assess, and what to do if part of your income arrives in cash.
FOIR is the single number that turns your salary into a loan amount. Here's exactly what counts as an obligation, what doesn't, and three worked examples showing why a ₹72,000 salary can qualify for less than a ₹48,000 one.
Your bank statement is the single most decisive document in a personal loan file — more than your CIBIL score, more than your CTC. Here's exactly what an underwriter reads in those six months, and what you can fix before you apply.
The honest answer: most college students and early-career working professionals qualify. Here's exactly what we look at and what you need to have ready.
