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DSCR Calculator is free — no account needed.It is one of 29 tools inside MNB Cortex, which watches your receivables and statutory deadlines and shows them on your dashboard and compliance calendar.Check your own numbersPlans from ₹1,499

DSCR & Loan Eligibility

Can the business service more debt — and how much?

The operating income below are an example, not your business — nothing here has been read from your account. Change them to your own and every number on this page recalculates.
Current DSCR
3.00×
Room for new EMI / mo
₹1.40 L
Est. loan you'd qualify for
₹79.31 L
How lenders read this

DSCR = operating income ÷ debt repayments. Most banks want 1.25× or higher — i.e. you earn ₹1.25 for every ₹1 of loan payments. At your numbers you have about ₹1.40 L/month of spare servicing capacity, which supports roughly ₹79.31 L of new borrowing at 12% over 7 years. This is an estimate — actual eligibility also depends on collateral, credit history, and the lender's policy.