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FOIR Calculation: Formula, Meaning & How Lenders Use It
FOIR calculation is one of the first checks a lender runs when evaluating a loan application. FOIR stands for Fixed
Shivam Jadon
March 24, 2026
FOIR calculation is one of the first checks a lender runs when evaluating a loan application. FOIR stands for Fixed
Over 75% of loan applications in India now rely on bank statement data as a primary input for credit decisioning.
What Lenders, NBFCs & Fintechs Must Catch Before It Costs Them Every loan decision starts with a bank statement. It
FOIR calculation is one of the first checks a lender runs when evaluating a loan application. FOIR stands for Fixed
Over 75% of loan applications in India now rely on bank statement data as a primary input for credit decisioning.
Credit appraisal is the process through which a lender evaluates whether a borrower can repay a loan. For NBFCs in
What Lenders, NBFCs & Fintechs Must Catch Before It Costs Them Every loan decision starts with a bank statement. It
Account aggregator is a new class of RBI-licensed NBFC that enables consent-based sharing of financial data between institutions in India.
A fake bank statement is one of the most common instruments of loan fraud in India, and it is costing
NPA in banking refers to a loan or advance where the borrower has stopped making payments for 90 days
FOIR calculation is one of the first checks a lender runs when evaluating a loan application. FOIR stands for Fixed
Over 75% of loan applications in India now rely on bank statement data as a primary input for credit decisioning.
Credit appraisal is the process through which a lender evaluates whether a borrower can repay a loan. For NBFCs in