CREDIT DESK
Professional credit analysis calculators
Credit Desk Tools
Practical calculators for credit appraisal, working capital assessment, and NPA management — built for Indian banking professionals.
DSCR Calculator
Term LoansCompute year-wise Debt Service Coverage Ratio from projected cash accruals and debt service obligations. Supports up to 10 projection years with benchmark flagging.
Working Capital (MPBF)
CC / ODAssess working capital requirements using all three RBI-recognised methods — Method I, Method II, and the Nayak Committee Turnover Method.
NPA Provisioning
IRAC NormsCalculate required provisions per RBI's IRAC norms across all asset classifications — Standard, Sub-standard, Doubtful (D1/D2/D3), and Loss assets.
EMI Calculator
Retail LoansCompute monthly instalment, total interest payable, and full amortization schedule — yearly or month-wise — for any loan amount, rate, and tenure.
Prepayment Planner
Part-paymentModel the impact of extra monthly payments or a one-time lump-sum prepayment — see exact months saved and interest saved against the original schedule.
Loan Eligibility
Reverse CalcReverse-compute maximum sanctionable loan from a desired EMI, or derive eligible EMI from gross income using the FOIR (Fixed Obligation to Income Ratio) method.
Debt-Equity & Leverage
Credit AppraisalYear-wise leverage analysis with DER, TOL/TNW, Interest Coverage Ratio, and Net Debt/EBITDA — with colour-coded benchmarks and overall assessment.
Coming soon in Credit Desk