Professional Financial Suite

Working Capital Assessment (MPBF)

Max Permissible Bank Finance

Total Current Assets (TCA)

₹ Lakhs

Current Liabilities (excluding Bank)

₹ Lakhs

Eligible Bank Limit (Method II)

₹ 45.00 L

75% of TCA:₹ 75.00 L

Less CL:- ₹ 30.00 L

Working Capital Gap:₹ 70.00 L

Borrower Margin (25% of TCA):₹ 25.00 L

Current Ratio (TCA / CL):3.33 : 1

Indicative Method II estimate. Actual bank assessment may include eligible current assets, stipulated margins, and lender-specific exclusions.

Term Loan EMI & Amortization Report

Detailed EMI & Amortization

Loan Amount ₹ 10,00,000

Interest Rate (% p.a.) 10.5%

Tenure (Years) 5 Yrs

Processing Fee (%)

Extra monthly payment (₹)

Extra monthly payment is treated as an additional principal repayment. Actual lender rules and charges may differ.

Monthly EMI

₹ 21,494

Total Principal ₹ 10,00,000

Total Interest Payable ₹ 2,89,633

Total Payment (principal + interest) ₹ 12,89,633

Processing fee (additional)₹ 10,000

Repayment duration60 months

Month	EMI	Principal	Interest	Closing Balance

Income Tax Computation Report

Advanced Income Tax Estimator

Financial Year

Age Category

Residential status

Income Heads

Gross Salary / Pension

Income from Business/Profession

Income from House Property

Other Sources (normal-rate)

Eligible Deductions (Old Regime Only)

Sec 80C (LIC, EPF, PPF)

Sec 80D (Health Insurance)

Sec 24(b) (Home Loan Int.)

Other eligible deductions (verify limits)

TDS / Advance Tax paid

Tax Computation Summary

Gross Total Income (GTI): ₹ 12,50,000

New Tax Regime

Std. Deduction: ₹ 75,000

Net Taxable: ₹ 11,75,000

Old Tax Regime

Deductions: ₹ 4,25,000

Net Taxable: ₹ 8,25,000

Final Tax Liability

₹ 88,400

Old Regime Tax

₹ 80,600

New regime balance: ₹ 0

Old regime balance: ₹ 0

Old Regime saves you ₹ 7,800

Indicative individual slab-tax estimate. Capital gains and other special-rate income, set-offs, AMT, and complex exemptions are not computed. Verify eligibility and filing-year provisions before use.

Tax Year 2026-27 uses the individual slab structure under the Income-tax Act, 2025. This estimator is not a complete return computation and does not calculate special-rate capital gains, all exemptions, loss set-offs, AMT, or every surcharge interaction.

GST Tax Impact Statement

GST Calculator

Base Amount

₹

GST Slab Rate

Add GST (+) Remove GST (-)

Supply type

Additional cess (₹)

Final Invoice Amount

₹ 11,800

Taxable value₹ 10,000

CGST₹ 900

SGST₹ 900

IGST₹ 0

Cess₹ 0

Total GST Impact₹ 1,800

Select the legally applicable rate for the specific HSN/SAC and supply. This calculator does not determine classification, exemption, ITC eligibility, or compensation cess liability.

Fixed Deposit & Investment Projection

FD & Post Office Schemes

Select Scheme

Deposit Amount ₹ 5,00,000

Int. Rate7.1

Time5

Maturity Value

₹ 7,10,642

Total Invested ₹ 5,00,000

Wealth Gained (Interest) ₹ 2,10,642

Month	Interest Accrued	Projected Balance

Systematic Investment Plan (SIP) Projection

SIP Mutual Fund Returns

Monthly SIP Amount ₹ 10,000

Est. Return12

Time10

Annual SIP step-up (%)

Optional yearly increase in the monthly SIP amount.

Est. Maturity Corpus

₹ 23,23,391

Total Capital Invested ₹ 12,00,000

Estimated Market Gains ₹ 11,23,391

Month	Monthly SIP	Cumulative Inv.	Est. Market Gains	Total Corpus Value

Indicative Loan Eligibility Report

Loan Eligibility Calculator

Monthly net income (₹)

FOIR / EMI-to-income limit (%)

Existing monthly EMI (₹)

Interest (% p.a.)

Tenure (years)

Indicative eligible loan amount

₹ 0

Maximum total EMI capacity₹ 0

Less existing EMI₹ 0

Available EMI₹ 0

Estimated interest over tenure₹ 0

Indicative FOIR-based estimate only; lender policy, credit score, age, income proof, collateral and obligations affect sanction.

Debt Service Coverage Ratio Report

DSCR Calculator

Annual cash available for debt service / CFADS (₹)

Existing annual principal + interest (₹)

Proposed annual principal repayment (₹)

Proposed annual interest (₹)

Benchmark DSCR

Debt service coverage ratio

0.00 x

Enter details

Total annual debt service₹ 0

Surplus / (shortfall)₹ 0

Required CFADS at benchmark₹ 0

Use consistent annual cash-flow and debt-service definitions. Lender-specific DSCR methodology may differ.

Monthly Break-even Analysis

Break-even Analysis

Monthly fixed costs (₹)

Selling price per unit (₹)

Variable cost per unit (₹)

Actual monthly sales quantity (units)

Break-even quantity / month

0 units

Break-even sales value₹ 0

Contribution per unit₹ 0

Actual monthly profit / (loss)₹ 0

Margin of safety0%

P/V ratio0%

Working Capital Cycle Estimate

Working Capital Cycle

Monthly sales (₹)

Cost of goods / operating cost (% of sales)

Inventory days

Debtor days

Creditor days

Other current assets (₹)

Other current liabilities (₹)

Net operating cycle

45 days

Inventory holding period30 days

Receivable period45 days

Less: Payable period30 days

Estimated gross working capital₹ 0

Estimated net working capital need₹ 0

Monthly run-rate estimate using a 30-day month; replace assumptions with actual stock, receivable and payable balances for CMA/bank appraisal.

Asset Depreciation Schedule

Depreciation Calculator

Asset cost (₹)

Residual / scrap value (₹)

Useful life (years)

WDV rate (% p.a.)

Method

Depreciation in year 1

₹ 0

Annual SLM depreciation₹ 0

Closing WDV after year 1₹ 0

Depreciation methodSLM

Book depreciation illustration only. Tax depreciation rates, half-year rules, block-of-assets rules and Companies Act useful-life requirements are not determined here.

Year	Opening WDV	Depreciation	Closing WDV

Total Current Assets (TCA):	₹ 100.00 L
Less: Current Liabilities (CL):	₹ 30.00 L

Base Amount:	₹ 10,000
GST Applied:	18% (Add GST)

Master Financial Suite