Financial Details

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Tips to Improve Your DTI Ratio

Increase Your Income

Consider side gigs, freelancing, or asking for a raise. Even a small increase can significantly improve your DTI ratio.

Pay Down Existing Debt

Focus on paying off high-interest debts first. In India, credit card APRs often exceed 30-40%.

Avoid New Debt

Postpone major purchases that would require financing until your DTI improves.

Your DTI Ratio

Excellent

Monthly Income

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Gross monthly income

Total Monthly Debt

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All debt payments

Remaining Income

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After debt payments

Income Breakdown

DTI Ratio Guidelines

DTI Range	Classification	Loan Eligibility
Below 20%	Excellent	Easiest to get approved, best rates
20-35%	Good	Good approval chances, competitive rates
36-43%	Fair	May qualify but with higher rates
44-50%	Poor	Difficult to qualify, high rates if approved
Above 50%	Very Poor	Very difficult to get approved

Debt Details

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Fill in your income and monthly debt payments to calculate your DTI ratio

Frequently Asked Questions

In India, lenders typically prefer:

Below 35%: Ideal for most loans including home loans
36-45%: May qualify but with higher interest rates
Above 50%: Very difficult to get approved for new credit

Some lenders may allow up to 60% DTI for high-income earners (₹1 lakh+ monthly).

The DTI ratio is calculated by dividing your total monthly debt payments by your gross monthly income:

DTI Ratio = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100

Example: If you earn ₹1,00,000/month and have ₹35,000 in debt payments, your DTI is 35%.

Most lenders include these recurring debts in DTI calculation:

Home loan EMIs
Personal loan EMIs
Car loan EMIs
Credit card minimum payments (or 5% of balance if higher)
Education loan EMIs
Any other loan EMIs

Note: Utility bills, insurance premiums, and living expenses are not included.

Debt-to-Income Ratio Calculator