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*Indicative values. Actual EMI may vary by bank.
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*Indicative only, based on Income Tax Act TDS provisions for resident payees. Rates/thresholds change via Finance Act amendments — verify with the latest CBDT notification or your tax advisor. Salary (Sec 192) is deducted per the employee's income-tax slab, not a flat rate, so it isn't listed here. Excludes surcharge/cess and non-resident (Sec 195) payments.
Used in credit appraisal, working capital assessment, and loan eligibility checks — DSCR, liquidity ratios, leverage ratios, MPBF, and more
*Most banks look for DSCR ≥1.25 for term loan eligibility. Below 1.0 means income doesn't cover debt obligations.
*Banks commonly benchmark this at 1.33:1 (Tandon Committee norm) for working capital assessment.
*A ratio up to 2:1 is generally comfortable for lenders; norms vary by industry and bank policy.
*Most banks prefer TOL/TNW up to 3:1, indicating outside liabilities aren't excessive relative to owned funds.
*Indicative only. Actual DP is fixed by the bank as per sanctioned terms and latest stock/book-debt statement.
*Based on Tandon Committee norms used historically for CMA-based working capital assessment. Actual bank policy may differ.
*RBI-linked LTV caps vary by loan slab (typically 75–90% for home loans). Shown assessment is a general lending benchmark.