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How is EMI Servicing Capability calculated?

Your Average Monthly EMIs is divided by your Average Monthly Income to calculate your EMI Servicing Capability. This is then compared with that of People like you to give you a final rank:

  1. Average Monthly EMIs: This is the average monthly EMI payment of your loans.
  2. Average Monthly Income: This is the average monthly credit transactions in your ICICI Bank account. Any significantly large value transaction is removed to smoothen the data.