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
- FOIR checks current obligations only
- DBR includes the proposed new EMI too
- FOIR Ideal Range: 40% – 60%
- DBR Ideal Range: 50% – 70%
- FOIR = Initial Check | DBR = Final Assessment
- Used in Personal Loan, Business Loan, Credit Cards
EMI Calculator
Calculate your monthly EMI using the standard P×R×(1+R)^N / ((1+R)^N - 1) formula
EMI
EMI Calculator
Monthly EMI
—
Total Payment—
Total Interest—
Principal Amount—
Guide
EMI Formula
- P = Loan Amount (Principal)
- R = Monthly Interest Rate (Annual ÷ 12 ÷ 100)
- N = Number of Months (Tenure)
- Higher tenure = Lower EMI, more interest
- Lower tenure = Higher EMI, less interest
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 LTV Rules
- Old Purchase Private → 85% of current value
- Old Purchase Commercial → 80% of current value
- Old Refinance Private → 90% of current value
- Old Refinance Commercial → 85% of current value
- Balance Transfer 12 EMIs → 120% of current value
- Balance Transfer 24 EMIs → 150% of current value
- Balance Transfer 36 EMIs → 200% of current value
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 LTV Rules
- Residential Property → 85% of property value
- Commercial Property → 75% of property value
- Industrial Property → 55% of property value
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
—
Ideal ICR> 1.5
FormulaEBIT ÷ Interest Expense
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—
