Business Credit Tools
Business DSCR Calculator — Know Your Approval Likelihood Before You Apply
DSCR is the metric every bank uses internally to assess business loan applications. Calculate yours now — and know exactly whether you'll be approved, borderline, or need to restructure before approaching a lender.
Debt Service Coverage Ratio
*Banks require minimum DSCR of 1.25. DSCR = Net Operating Income ÷ Total Monthly Debt Service.
Monthly Cash Flow
Frequently Asked Questions
Most banks require minimum DSCR of 1.25 — meaning net operating income must be at least 1.25x total monthly debt obligations. PSU banks for large project finance may require DSCR ≥ 1.50.
DSCR = Net Operating Income ÷ Total Debt Service. NOI is revenue minus operating expenses (excluding loan repayments and depreciation). Total debt service includes the proposed EMI plus all existing EMI obligations.
Three options: reduce loan amount (smaller EMI), extend tenure (lower monthly EMI), or provide collateral which encourages lenders to accept below-threshold DSCR. We can also explore co-applicant income to improve combined DSCR.
Yes. Project finance uses projected future cash flows discounted to present value. Banks typically require average project DSCR ≥ 1.30 over the repayment tenure, with no single year below 1.10.
Used by MSME owners across Gujarat — Vatva, Naroda, Sanand and Kadi-Kalol industrial belts.