How to check CIBIL score for free?

On LoanScan Pro, you can check your CIBIL score absolutely free through the official bank portal. Only your mobile number and OTP are needed. No registration or credit card required.

What should be the CIBIL score for loan?

With CIBIL score 750 or above, loan approval chances are more than 90%. At 650-749, some NBFCs give loans. Below 650, loan is difficult.

Why does loan get rejected?

Low CIBIL score (below 750), high EMI burden, irregular bank balance, GST/ITR mismatch or cheque bounce are main reasons for loan rejection.

Why is ABB (Average Monthly Balance) important in loan?

Banks look at ABB/EMI ratio. It should be 2.0 or above. LoanScan Pro calculates this automatically.

Which is best for EMI part payment — monthly, quarterly, half-yearly or yearly?

The sooner and more frequently you make part payments, the more interest you save. Monthly extra payment saves the most interest, then quarterly, then half-yearly, and yearly saves the least. LoanScan Pro's EMI Calculator instantly calculates interest savings and new tenure for all 5 options — one-time, monthly, quarterly, half-yearly and yearly.

Live Platform • AI-Powered

Loan Analysis in 5 Minutes, Not 5 Days

Check your CIBIL score, analyze bank statements, verify GST/ITR, and calculate loan eligibility — all in one place. Get instant loan approval probability, matched lender recommendations, and a downloadable assessment report.

₹2.4L+

Loans Processed

98%

Accuracy Rate

Avg Analysis Time

Quick Analysis ● LIVE

763

CIBIL Score — Excellent

Eligible Loan

₹11.2L

Avg Balance

₹48,500

GST Status

✓ Active

Bounce Risk

Low

CIBIL

Bank

GST / ITR

Eligibility

Lenders

Legal

EMI Calc

Report

Step 2 — Bank Statement Analysis

Bank Statement Analyzer for Loan Approval

Upload your bank statement in CSV or Excel format to get a complete analysis for 6 months and 12 months. Detect cheque bounces, calculate average monthly balance (AMB), identify recurring EMIs, and analyze cash deposits instantly.

CSV Format: Date, Description, Debit, Credit, Balance columns hone chahiye. Load demo data

📂

Drop Bank Statement

CSV / Excel / PDF — Click karein ya drag & drop

CSV XLSX PDF Net Banking Export

✍️ Manual Balance Entry

Or Instead of File Upload

If you cannot upload statement, manually enter balance for the 5th of every month here. Fill both columns (1 Year / 2 Year) separately.

📅 1 Year Entries 12 Months

Enter balance for any 5th date of every month

Start Month: Year:

📌 Note: Agar 5/10/15/20/25/30 tarikh ko koi transaction nahi tha, to us tarikh se pehle ki aakhri entry ka balance us cell mein daal dein. Udaharan: 5 tarikh pe transaction nahi hai, statement mein 5 se pehle ki aakhri date 2 hai — to 2 tarikh ka balance 5 wale box mein bharein. Isi tarah 10 pe transaction nahi hai to 10 se pehle ki jo aakhri date hai uska balance 10 wale box mein likhen.

Month	5th	10th	15th	20th	25th	30th

Average Monthly Balance ₹ —

Average will appear after entering values

📅 6 Months Entries 6 Months

Enter balance for last 6 months (5th date)

Start Month:

Month	5th	10th	15th	20th	25th	30th

Average Monthly Balance ₹ —

Average will appear after entering values

Step 3 — GST & ITR Verification

GST & ITR Verification for Business Loan Eligibility

For salaried applicants, ITR income analysis is sufficient. Our tool calculates your eligible monthly income using the standard 70% formula.

📑 ITR Income Analysis 2 Years

PAN Number

📅 Select Assessment Years

Year 1 (Older)

Year 2 (Latest)

Item	FY 2023-24 (Year 2024)	FY 2024-25 (Year 2025)
📥 Gross Income (₹)
💸 Tax Paid (₹)
✅ Net Income (₹)	—	—

📊

GST Profit & Loss Calculator

Calculate net profit/loss based on Sales and Purchases

Month	Sale (₹) Taxable Sales	Purchase (₹) Taxable Purchases	Expense (₹) Overheads/Expenses	Gross Profit Sale − Purchase	Net Profit/Loss Gross − Expense

Total Sale

₹ —

Total Purchase

₹ —

Gross Profit

₹ —

Net Profit / Loss

₹ —

Net Profit Margin —

Step 4 — Loan Eligibility Calculator

AI Loan Eligibility Calculator India

Adjust your monthly income, existing EMIs, interest rate, and tenure to calculate your personal loan, home loan, or business loan eligibility instantly. Our AI-powered loan analysis checks your ABB-to-EMI ratio for bank approval strength.

Monthly Net Income ₹80,000

✍️ Manual:

₹

EMI Obligation (% of Income) 50%

Existing EMI ÷ Monthly Income × 100

Max EMI Allowed

₹40,000

Available EMI

₹31,500

Loan Tenure 5 Years

Expected Interest Rate 11.5%

✍️ Manual:

Existing EMIs per Month

Loan Type

Eligible Loan Amount

₹11.2L

Monthly Income ₹80,000

Max EMI Allowed ₹40,000

Existing EMIs ₹8,500

Available EMI Capacity ₹31,500

New EMI (for this loan) ₹—

Interest Rate 11.5%

Tenure 5 Years

📊 ABB ÷ EMI Analysis

AMB

₹—

New EMI

₹—

ABB/EMI

—

—

Formula: AMB ÷ New EMI | Ideal ratio ≥ 2.0 (bank standard)

Eligibility Strength

Step 5 — Matched Lenders

Best Matched Lenders for Your Profile

Discover the best-matched lenders for your credit profile. Compare interest rates, processing fees, and approval timelines from HDFC Bank, Bajaj Finserv, Axis Bank, ICICI Bank, SBI, and Kotak Mahindra Bank.

92% Match

HDFC Bank

Private Sector Bank · Personal Loan

Interest Rate

10.75%

Max Amount

₹40L

Processing Time

2 Days

Processing Fee

88% Match

Bajaj Finserv

NBFC · Personal / Business Loan

Interest Rate

11.00%

Max Amount

₹35L

Processing Time

1 Day

Processing Fee

1.5%

85% Match

Axis Bank

Private Sector Bank · Personal Loan

Interest Rate

11.25%

Max Amount

₹15L

Processing Time

3 Days

Processing Fee

1.75%

82% Match

ICICI Bank

Private Sector Bank · Personal Loan

Interest Rate

11.50%

Max Amount

₹25L

Processing Time

2 Days

Processing Fee

79% Match

SBI Bank

Public Sector Bank · Personal Loan

Interest Rate

10.25%

Max Amount

₹20L

Processing Time

5-7 Days

Processing Fee

0.5%

76% Match

Kotak Mahindra Bank

Private Sector Bank · Personal Loan

Interest Rate

10.99%

Max Amount

₹35L

Processing Time

3 Days

Processing Fee

1.25%

Step 7 — EMI Calculator with Part Payment

🧮 EMI Calculator & Part Payment Planner

Calculate your loan EMI for personal, home, car, business, or education loans. Plan part payments monthly, quarterly, half-yearly, or yearly to see exactly how much interest you will save and how your tenure will reduce.

📋 Loan Details

Loan Amount ₹5,00,000

₹

Annual Interest Rate 10.5%

Loan Tenure 5 Years

Yrs

Loan Type

💰 Part Payment (Prepayment) Save Interest

See how much interest is saved by paying extra once or every month — instantly.

Payment Frequency

Part Payment Amount (₹)

₹

After How Many Months? (EMI No.)

What to do after Part Payment?

Monthly EMI

₹—

Personal Loan

Principal

—

Total Interest

—

Total Amount

—

Tenure

—

PrincipalInterest

——

💰 Part Payment Savings

Interest Saved

₹ —

Tenure Saved

— months

Before vs After Comparison

Total Interest (Without PP) ₹ —

Total Interest (With PP) ₹ —

New EMI ₹ —

New Tenure — months

Fill part payment details to see savings

📅 EMI Schedule (Amortization Table)

Step 8 — Final Loan Assessment Report

Downloadable Loan Assessment Report

Generate a comprehensive loan assessment report with all your data — CIBIL score, bank statement analysis, GST/ITR verification, loan eligibility, lender matches, and EMI calculations. Download and share directly with your bank or DSA.

Step 6 — Legal & Property Verification (Optional)

⚖️ Legal & Property Verification Report

Enter property document details — generate 13 year chain report. Ready for bank's legal department.

🏠 Property Details

Property Address

Khasra / Survey No.

Area (sq.ft / bigha)

District / Tehsil

State

Property Type

👤 Current Owner (Current Owner)

Owner Name

Aadhaar No.

Mobile

Registry Date (Latest)

Registry No.

Purchase Value

₹

🔗

13 Year Chain (Ownership History)

Previous owners' details — necessary for bank's legal team

#	Owner Name	Registry Date	Registry No.	Description

🚨 Encumbrance / Loan Check

Any Current Loan / Mortgage?

Testimonials

Loved by Borrowers & DSA Partners

See what users are saying about LoanScan Pro.

★★★★★

"The easiest CIBIL score check tool I have ever used. Got my complete credit analysis and loan eligibility in under 2 minutes."

Rohit Kumar

Salaried Professional, Delhi

★★★★★

"My bank statement was analyzed instantly — ABB, bounce history, and EMI detection all calculated automatically. A true game changer for DSA professionals."

Sanjana Patil

DSA Partner, Pune

★★★★★

"The EMI calculator with part payment planning helped me understand exactly how much interest I can save by paying extra every quarter. Highly recommended!"

Amit Verma

Business Owner, Indore