CREDIT DESK
Professional credit analysis calculators
Working Capital Assessment
Maximum Permissible Bank Finance (MPBF) — per RBI's three recognised methods
Current Assets (CA)
₹ CroreRaw Materials / Stock-in-trade
Work-in-Progress
Finished Goods
Book Debts / Receivables
Other Current Assets
Total Current Assets (A)₹ 0.00 Cr
Other Current Liabilities (OCL)
excl. bank borrowings · ₹ CrCreditors for Purchases
Advance from Customers
Other Current Liabilities
Total OCL (B)₹ 0.00 Cr
Borrower's NWC Contribution (C)
Actual net working capital from own funds
Working Capital Gap
Total CA (A)₹ 0.00 Cr
Less: Total OCL (B)₹ 0.00 Cr
WC Gap = A − B₹ 0.00 Cr
Method I — MPBF
WC Gap (A − B)₹ 0.00 Cr
Min. NWC required (25% of CA)₹ 0.00 Cr
Borrower's actual NWC (C)₹ 0.00 Cr
Maximum Permissible Bank Finance
₹ 0.00 Cr
WC Gap − Min NWC (25% of CA)
Method Comparison
Method I MPBF₹ 0.00 Cr
Method II MPBF₹ 0.00 Cr
Turnover Method (25%)—
Method II is more conservative and is the RBI preferred method for borrowers above ₹5 Cr.