| Profit & Loss Account |
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| Balance Sheet |
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| DSCR Inputs (Actual Debt Service) |
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Reconciles balance sheet movements and solves for unknown Principal and Fresh Loan parameters.
| Financial Parameter | Unit | Credit Audit Source |
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Calculate ratios to see results.
Calculate ratios to see step-by-step.
Auto‑generated from P&L and Balance Sheet movements
Calculate ratios to generate cash flow.
Assess the efficiency of working capital management across the operating cycle
Calculate ratios to generate Working Capital Cycle analysis.
Projected financials based on historical trends with back-calculated numbers
| Projected Profit & Loss Account | Year 4 | Year 5 | Year 6 |
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| Projected Balance Sheet | Year 4 | Year 5 | Year 6 |
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⚠️ Working Capital Interest excluded - matches Ratio Calculation panel methodology • Current Year = Actuals (Y3) + 3 Projected Years for trend comparison
| DSCR Components (Term Debt Focus) | Year 3 (Current) | Year 4 | Year 5 | Year 6 |
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Run projections to generate the repayment schedule.
Term Loan Capacity Calculator + Tandon Committee Methods
Calculates the maximum term loan a customer can service based on current or projected financial capacity.
Methodology: Uses EBITDA and DSCR to determine debt capacity, with sensitivity analysis. Toggle below between the current year (latest actuals) and the next three projected years.
Enter financial data and click "Calculate All Ratios" first, then adjust parameters above.
Run calculation to see sensitivity table.
| Particulars | Norm |
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Understand resilience to adverse scenarios and identify the operational threshold
Click "Run Stress Test" to see analysis.
Run stress test to generate break-even chart.
Run stress test to see sensitivity matrix.
Traffic Light • Quality of Earnings • Cash Flow Sustainability • WC Diagnostics • Source-Application • Debt Capacity
| Rule | Threshold | Actual | Result | Logic |
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| Component | Actual Value | Scoring Logic (Slab) | Slab Hit | Score |
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Full step-by-step workings for every figure used in Analytics & Executive Summary that isn't already broken down elsewhere — Quality of Earnings, Change in Working Capital, Operating & Free Cash Flow, Cash Conversion Cycle, and Working Capital funding mix.
Calculate ratios to see step-by-step Quality of Earnings & Working Capital calculations.
Board-Ready Comprehensive Analysis with Clear Decision Recommendation
Snapshot • Trend • Credit Opinion — computed live from your entered financial data
| Rule | Threshold | Actual | Result | Logic |
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| Component | Actual Value | Scoring Logic (Slab) | Slab Hit | Score |
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| Ratio Category | Current Year | 2-Year Avg | Industry Benchmark | Status | Trend |
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EBITDA → OCF → FCF → Debt Service → Surplus • % of Capex & Debt Service needing external finance
Where money came from → Where it went • Auto detects diversion / WC block
System-detected anomalies + Bankable credit narrative (auto-generated)
Calculate ratios to see Working Capital Cycle summary here.
| Particulars (₹ Cr) | Year 4 | Year 5 | Year 6 | CAGR |
|---|
Run projections to generate the repayment schedule.
Visit the Debt Capacity tab to calculate eligibility, then refresh this summary.
Run stress test in the dedicated panel to see the summary here.
The primary, detailed narrative behind every number below — SWOT, Risk Matrix, and the Board Recommendation all build on this section rather than repeating it.
Restates the Diagnosis above as a strategic snapshot (internal strengths/weaknesses vs. external opportunities/threats) for quick scanning — the Risk Matrix below then rates and acts on it.
Forward-looking risk rating by category, paired with the specific action recommended to manage each risk. For the underlying facts behind each rating, see the Diagnosis and SWOT sections above.
Synthesizes the Diagnosis, SWOT, and Risk Matrix above into a single decision — it does not restate every metric, only the ones that were decisive.