CIB Health Check
Simulate debt-repayment hygiene and check your estimated CIB standing before banks run an official inquiry.
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Educational calculator
Know your DBR level before you apply.
Calculate your Debt Burden Ratio using monthly income, loan installments, card obligations, other recurring debt, and a planned new EMI.
DBR is an educational budgeting indicator, not an official approval decision.
DBR calculator
Calculate your monthly debt burden
Include recurring debt payments to get an educational view of your current and future repayment pressure.
Monthly financial details
Add income and current payments. The planned EMI is optional.
Eligibility Discovery
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Understand DBR
How to use the result
DBR shows how much of your monthly income is committed to recurring debt payments.
Include these payments
- Existing personal, auto, home, or other loan EMIs.
- Card installments and regular payment obligations.
- Other recurring financing payments.
- A planned new EMI for a future estimate.
Ways to improve affordability
- Reduce recurring debt where possible.
- Avoid unnecessary borrowing during high pressure.
- Maintain stable and documented income.
- Compare amount, tenure, EMI, fees, and total cost.