Loans & VCFO

Business Loan Eligibility Calculator

DSCR-based loan eligibility assessment for term loans and working capital.

Annual Net Operating Income (EBITDA)

₹

Existing Annual Debt Obligations (EMIs)

Total of all existing loan EMIs × 12

₹

New Loan Amount Sought

₹

Interest Rate on New Loan (% p.a.)

New Loan Tenure (years)

DSCR Score

01.01.252.0+

DSCR: 2.50 — Likely Approved

Details

EBITDA₹50,00,000

Existing Debt (annual)₹12,00,000

New Loan EMI (monthly)₹66,733

New Loan Annual Obligation₹8,00,800

Total Annual Debt Service₹20,00,800

DSCR2.50×

Max Eligible Loan at DSCR 1.25×At same rate and tenure₹1,04,89,509

DSCR Guide: ≥1.25× Strong · 1.0–1.24× Marginal · <1.0 Weak. Lenders typically require DSCR ≥1.25 for term loans.

Disclaimer: Results are for estimation purposes only and do not constitute professional financial, tax, or legal advice. Consult a qualified CA or financial advisor before making decisions. Talk to an expert