Module 3: Smart Financial Calculator & Bank Loan Structuring
Bank Loan, EMI, Subsidy & DSCR Amortization
Configure capital expenditure, calculate your 5%-10% promoter margin, evaluate government capital subsidy savings, and check bank Debt Service Coverage Ratio (DSCR) eligibility.
Quick Presets:
Bank Credit Viable (Average DSCR: 2.9)
Your Debt Service Coverage Ratio meets commercial bank standards (minimum 1.40). Net monthly loan EMI is ₹23,627.
Net Bank Term Loan
₹11,25,000
Promoter Margin: ₹1,25,000 (10%)
Govt Capital Subsidy
₹4,37,500
35% Under Rural PMEGP / PMFME
Monthly Loan EMI
₹23,627/mo
Total Interest: ₹2,92,620
Average DSCR
2.9Excellent
Bank Benchmark: > 1.40
Loan & Project Parameter Controls
₹12.50 Lakhs
₹2 Lakhs₹25 Lakhs₹50 Lakhs
10% (₹1,25,000)
5% (Special Category)10% (General)25%
35%
0% (Mudra)25% (PMEGP General)35% (PMEGP Special)
9.5%
5 Years (60 Months)
₹4,50,000
3-Year Projected Cash Flow & Profitability
BEP: 50% Capacity3-Year Financial Appraisal Statement
Export to Bank DPR| Year | Gross Revenue | Total Costs | Net Profit | Debt Service | DSCR |
|---|---|---|---|---|---|
| Year 1 | ₹40,50,000 | ₹33,13,200 | ₹4,66,374 | ₹3,31,875 | 1.97 |
| Year 2 | ₹48,60,000 | ₹38,09,280 | ₹7,51,374 | ₹3,10,500 | 2.96 |
| Year 3 | ₹54,00,000 | ₹41,40,000 | ₹9,47,431 | ₹2,89,125 | 3.78 |