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Java Program: Loan Eligibility check based on Salary & CIBIL

Eligibility Rules (Example)

Condition	Requirement
Minimum Salary	₹25,000
Minimum CIBIL Score	700

Loan is approved only if both conditions are satisfied.

Java

import java.util.Scanner;
 
public class LoanEligibility {
    public static void main(String[] args) {
 
        Scanner sc = new Scanner(System.in);
 
        System.out.print("Enter Monthly Salary: ");
        double salary = sc.nextDouble();
 
        System.out.print("Enter CIBIL Score: ");
        int cibil = sc.nextInt();
 
        System.out.println("\n------ Loan Eligibility Result ------");
 
        if (salary >= 25000 && cibil >= 700) {
            System.out.println("Loan Status : APPROVED");
            System.out.println("Reason      : Salary and CIBIL criteria satisfied");
        } else {
            System.out.println("Loan Status : REJECTED");
 
            if (salary < 25000 && cibil < 700) {
                System.out.println("Reason      : Low salary and poor CIBIL score");
            } else if (salary < 25000) {
                System.out.println("Reason      : Salary below required limit");
            } else {
                System.out.println("Reason      : CIBIL score below required limit");
            }
        }
 
        sc.close();
    }
}

Output

 
OUTPUT 1: (Loan Approved)
INPUT :
Enter Monthly Salary: 35000
Enter CIBIL Score: 750

OUTPUT : 
------ Loan Eligibility Result ------
Loan Status : APPROVED
Reason      : Salary and CIBIL criteria satisfied

OUTPUT 2: (Loan Rejected – Low Salary)
INPUT :
Enter Monthly Salary: 20000
Enter CIBIL Score: 780

OUTPUT : 
------ Loan Eligibility Result ------
Loan Status : REJECTED
Reason      : Salary below required limit


        
        




 
         
OUTPUT 3: (Loan Rejected – Low CIBIL)
INPUT :
Enter Monthly Salary: 30000
Enter CIBIL Score: 650

OUTPUT : 
------ Loan Eligibility Result ------
Loan Status : REJECTED
Reason      : CIBIL score below required limit

OUTPUT 4: (Both Conditions Failed)
INPUT :
Enter Monthly Salary: 18000
Enter CIBIL Score: 600

OUTPUT : 
------ Loan Eligibility Result ------
Loan Status : REJECTED
Reason      : Low salary and poor CIBIL score

Explanation

1. Input Collection

double salary = sc.nextDouble();

int cibil = sc.nextInt();

Salary stored as double
CIBIL score stored as int

2. Combined Logical Expression

if (salary >= 25000 && cibil >= 700)

Uses Logical AND (&&)
Loan is approved only if both conditions are true

3. Rejection Reasons

Nested conditions check:

Low salary
Low CIBIL score
Both failed

This improves clarity and real-world relevance.

✅ Key Concepts Used

✔ Logical AND (&&)
✔ Nested if–else
✔ Decision-making statements
✔ User input with Scanner

📌 Short Exam Answer

This program checks loan eligibility using combined logical expressions. If the applicant’s salary and CIBIL score meet the required limits, the loan is approved; otherwise, it is rejected with appropriate reasons.