Choose a tool and enter figures. Calculations stay in your browser; do not enter customer names, account numbers or confidential data. Rates and policy limits are inputs, not official recommendations.

Loan EMI / मासिक किस्त

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Assumptions and formula basis

Monthly reducing balance; equal payments at month end; no fees.

Loan balance after instalments

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Assumptions and formula basis

Regular EMI payments assumed; excludes prepayments, late charges and rate resets.

Loan amount from affordable EMI

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Assumptions and formula basis

Mathematical present value only; not a sanction decision.

Loan-to-Value (LTV)

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Assumptions and formula basis

Loan / specified security valuation × 100.

Maximum loan at chosen LTV

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Assumptions and formula basis

Uses your chosen LTV, not a regulatory or bank-policy limit.

Fixed Obligation-to-Income (FOIR)

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Assumptions and formula basis

Obligations / income × 100. Gross/net income and included obligations depend on your bank policy.

EMI headroom at chosen FOIR

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Assumptions and formula basis

Headroom = income × chosen FOIR − existing obligations; negative headroom displays as zero.

Debt service coverage (DSCR)

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Assumptions and formula basis

Both amounts must refer to the same period. Cash-flow definition depends on appraisal policy.

Current ratio

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Assumptions and formula basis

Current assets / current liabilities.

Debt-to-equity ratio

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Assumptions and formula basis

Definitions of debt and equity must follow the appraisal policy.

Interest coverage

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Assumptions and formula basis

EBIT / interest.

Profit margin

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Assumptions and formula basis

Profit / sales × 100. Specify internally whether operating or net profit.

Simple interest

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Assumptions and formula basis

P × R × T / 100; no compounding.

Day-based simple interest

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Assumptions and formula basis

Uses the user-selected day-count denominator; no automatic calendar or sanction-rule assumption.

FD maturity estimate

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Assumptions and formula basis

Regular compounding; excludes taxes, premature-closure charges and broken-period conventions.

Recurring deposit estimate

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Assumptions and formula basis

Ordinary annuity with deposits at month end and monthly compounding. Actual bank RD quarterly conventions can differ.

Drawing power illustration

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Assumptions and formula basis

DP = max(stock − creditors,0) × (1 − stock margin) + receivables × (1 − receivable margin). Exclusions, ageing and policy rules must be applied before input.

Calendar days past due

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Assumptions and formula basis

Calendar-day difference only. Does not decide NPA classification, grace periods or regulatory status.

Bill discount illustration

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Assumptions and formula basis

Simple discount deducted from face value; excludes taxes and fees.

Cash denomination tally

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Assumptions and formula basis

Enter whole nonnegative counts. No obsolete denomination is assumed to be legal tender.