🏦 For Pensioners & Pre-Retirees

Pension Loan Calculator

Dual-mode assessment — Salary income (before retirement) & Pension income (after retirement)

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Personal Details

Date of Birth*

Full Name*Alphabets and spaces only

Employer / Organisation Name(optional)Alphanumeric — Government / PSU / Private / Defence

Income Details — Before Retirement (Current Salary)

Gross Monthly Income*

₹

Includes basic pay, DA, HRA and all allowances

Net Monthly Take-home (After Deductions)*

₹

After PF, income tax, and other deductions

Income Details — After Retirement (Pension)

Expected Net Monthly Pension*

₹

Post-retirement pension / family pension / commuted amount

Existing Monthly EMI Obligations*

₹

Sum of all running EMIs — car, personal, other home loans (enter 0 if none)

Loan & Bank Parameters

Retirement Age (years)*Default 60 (Govt) · 58 for PSU

Interest Rate (% p.a.)Home loan floating/fixed rate

FOIR on Salary (%)(optional)Fixed Obligation to Income Ratio · Default 55%

FOIR on Pension (%)(optional)Applied to pension income · Default 50%

Loan Tenure on Salary (auto-calculated)