FOIR & DBR Calculator
Retail credit ratios — Fixed Obligation to Income Ratio & Debt Burden Ratio
Retail
FOIR Calculator
FOIR
—
Existing EMIs / Income
vs
FOIR Position (Ideal: 40–60%)
0%Ideal 40–60%100%
Guide
Understanding FOIR vs DBR
- Used by lenders during loan evaluation
- Helps in final approval decision
- FOIR indicates financial stability
- DBR reflects overall eligibility
- Both are key factors in loan processing
- Applicable for Personal, Business & other loans
EMI Calculator
EMI
EMI Calculator
Monthly EMI
—
Total Payment—
Total Interest—
Principal Amount—
Guide
EMI Overview
- EMI includes both principal and interest
- Paid monthly for a fixed period
- Longer tenure means lower monthly payments but higher total cost
- Shorter tenure means higher monthly payments but lower total cost
- Helps you plan your finances better
LTV Calculator
Loan to Value ratio for Car Loans & Home Loans with income proof adjustment
Car Loan LTV
Loan amount based on current car value, loan type, and income proof
Car Loan
Car LTV Calculator
Maximum Loan Eligibility
—
Base LTV %—
Before Income Adj.—
Income Proof Factor—
LTV Guide
Car Loan Eligibility Guide
- Private vehicles are generally eligible for higher loan coverage
- Commercial vehicles may have slightly lower coverage
- Refinancing options can improve eligibility depending on profile
- Commercial refinance may have different evaluation criteria
- Balance transfer options can enhance loan eligibility
- Higher repayment history can unlock better offers
- Longer repayment track record may increase approval chances
Home Loan LTV
Loan eligibility based on property type and income documentation
Home Loan
Home Loan LTV Calculator
Maximum Home Loan Eligibility
—
LTV %—
Before Income Adj.—
Income Proof Factor—
LTV Guide
Home Loan Eligibility Guide
- Residential properties usually have higher loan eligibility
- Commercial properties may have moderate eligibility based on usage
- Industrial properties are evaluated more conservatively
DSCR & ICR Calculator
Business / Corporate credit ratios — Debt Service Coverage & Interest Coverage
Business
DSCR Calculator
DSCR Ratio
—
Ideal DSCR> 1.25
FormulaNOI ÷ Debt Service × 100
ICR
ICR Calculator
Interest Coverage Ratio
—
Overview
Indicates ability to manage interest obligations
Credit Ratios
Current Ratio, Quick Ratio, Debt to Equity & Net Profit Margin
Liquidity
Current Ratio
Current Ratio
—
Ideal> 1.5
FormulaCurrent Assets ÷ Current Liabilities
Quick
Quick Ratio
Quick Ratio
—
Ideal> 1.0
Formula(Assets − Inventory) ÷ Liabilities
Leverage
Debt to Equity Ratio
Debt to Equity Ratio
—
Ideal< 2.0
FormulaTotal Debt ÷ Total Equity × 100
Profitability
Net Profit Margin
Net Profit Margin
—
Ideal> 10%
FormulaNet Profit ÷ Revenue × 100
Cash Flow Assessment
Free Cash Flow, Working Capital & Expected Loss (EL = PD × LGD × EAD)
Cash Flow
Free Cash Flow (FCF)
Free Cash Flow
—
FormulaOperating CF − CapEx
Working Capital
Working Capital
Working Capital
—
FormulaCurrent Assets − Current Liabilities
Risk
Expected Loss (EL = PD × LGD × EAD)
Expected Loss
—
FormulaPD% × LGD% × EAD
EL as % of EAD—
