Aaj kal mobile apps aur agents ke through personal loan lena common ho gaya hai. Par aapne notice kiya hai, loan amount aur limit kaise decide hoti hai? Kabhi kabhi sochte ho – “Mere paas 50,000 monthly income hai, to maximum kitna loan milega?”

Is article me hum real-life process explain karenge – bank aur app kaise calculate karte hain, kya factors consider hote hain aur kaise aap apna limit improve kar sakte ho.

Step 1 – Monthly Income Check

Sabse pehle app ya bank aapki monthly income check karta hai. Salary slip, bank statement ya ITR documents upload karne padte hain.

Income ke basis pe bank decide karta hai ki aap EMI kaise handle karoge. Rule of thumb – aapki monthly EMI 30-40% se zyada nahi honi chahiye.

Step 2 – Required Loan Amount Fill Karna

App me “Required Loan Amount” pucha jata hai. Yahi number bank ke system me initial limit check ke liye use hota hai.

Agar aap realistic amount fill karte ho, to approval chances high hoti hai. Agar unnecessarily high amount fill karte ho, to bank reduce kar sakti hai ya reject kar degi.

Step 3 – Repayment Capacity Calculation

Bank ke internal system me formula simple hai: EMI = Loan Amount x Interest Rate x Tenure

EMI ka ratio aapke monthly income ke saath check hota hai. Example – Monthly income 50,000 hai, EMI limit 20,000 – bank max loan calculate kar lega jo is EMI me fit ho.

Step 4 – CIBIL / Credit History

CIBIL score aur past repayment history bhi limit decide karne me major role play karta hai. Perfect score → bank high loan amount approve kar sakti hai. Low score → limit automatically reduce ho jati hai, chahe income high ho.

Step 5 – Existing Liabilities

Agar already credit card, personal loan ya home loan hai, to bank total exposure check karti hai. Existing EMI + new EMI > 40% of monthly income → limit cut ya reject.

Step 6 – Bank / App Internal Scoring

Har bank ka apna internal risk scoring hota hai. Salary stability, age, employment type, branch policy – ye sab score me include hota hai. High score → higher limit, low score → reduced limit.

Step 7 – Collateral / Co-Applicant

Secured loan ya co-applicant situation me limit aur increase ho sakta hai. Gold pledge, fixed deposit, or family member co-applicant → bank confidence high, limit automatically increase.

Real Life Example

Ankit monthly 60,000 salary deta hai, 5 lakh loan chahiye. App me fill kiya exact income aur required loan. Bank internal system ne 30,000 EMI cap rakha → 4 lakh ka max loan approve kiya. Co-applicant add kiya → limit increase hoke 5 lakh ho gayi.

Tips To Maximize Loan Limit

• Income documents clear aur accurate rakho.
• Existing liabilities kam rakho ya settle karo.
• High CIBIL score maintain karo.
• Realistic required loan amount fill karo.
• Collateral ya co-applicant ka option consider karo.
• Bank account aur salary flow clean rakho.

Conclusion

Mobile loan apps ya bank agents aapke required loan aur monthly income ko base bana kar limit decide karte hain. Income, EMI ratio, existing liabilities, CIBIL score aur internal scoring major factors hain.

Realistic amount, proper documents aur co-applicant/secured loan option use karke aap limit maximize kar sakte ho. Smart approach = fast approval + higher loan limit.