Lecture 62: How to make DSCR calculator in excel sheet and DSCR calculations with practical tips.

[@bhupendrapurohit1106]

Very well explained Akushji

[@AnkushJain]

Thank you

[@brijmohan3457]

its a really help to understand DSCR....Keep it up bro

[@AnkushJain]

Thank you 👍

[@miteshshah9844]

Please make video for 1 case where last yr audited and provisional items and derive DSCR.

[@AnkushJain]

Ok

[@vivekok81]

Anytime anywhere ankushsir 😍

[@AnkushJain]

Thank you

[@पवनगेदर-च4द]

Namskar sirji.....🙏

[@AnkushJain]

Namaskar 😊

[@yogendradevrajsingh8149]

You are great 🙏🙏🙏

[@AnkushJain]

Thank you

[@RxDUTT.786]

Sir humble request you to please share the excel as to practice in system and to learn formulas

[@AnkushJain]

@@RxDUTT.786 ok

[@twinkleaggarwal1763]

Great video. Just want to check one point. As mentioned in video, we need not consider interest on quasi equity that is reflecting in last year's financial but is fully paid as of now. Likewise there may be loans from financial institutions that are reflecting in latest financials available but are fully paid as of now. So why do we consider interest paid on those loans as well?

[@AnkushJain]

We are being conservative, we want to calculate future net profits of the client which shall be sufficient to serve our debt burden. Since quasi equity is repaid then we don't want to give benefit of it to borrower since they were his own funds but at the same time even if debt is repaid we will continue to give benefit since it was outsider liability which need to be paid Even if there are no profits

[@twinkleaggarwal1763]

@@AnkushJain Understood, thanks

[@AnkushJain]

👍

[@pranjalsoni4382]

Dscr is Tough ratio. to understand all things.

[@AnkushJain]

Yeah... But once we understand the concept then things become easy

[@miteshshah9844]

Can we take EBIDTA instead of adj cash available for lenders??

[@AnkushJain]

Adjusted cash flow is kind of ebitda only

[@AJAYKUMAR-ty9cx]

Please make video on LRD assessment

[@AnkushJain]

Ok 👍

[@tejendrakc8476]

Out of Total EMI, interest is tax exempt but principle portion is not. By that means, the income available after adding back tax on PAT becomes equal to EMI i.e. DSCR =1, actually tax has to be paid before principle portion of EMI and remaining income will not be sufficient to cover principle portion and actual DSCR comes below 1. So, why we assuming that total EMI is tax exempt??

[@AnkushJain]

I agree with you but the approach is differently followed from bank to bank. Some banks do as you have wrote and do no add back taxes while some banks think that there will be no tax if the interest burden is high enough to reduce profits to zero. Although it sounds a bit weird but still it is followed. I taught what is done practically in banking although the banks which are deducting taxes are doing better accurate work than those who are not

[@tejendrakc8476]

@@AnkushJain Thank you for prompt response.

[@AnkushJain]

👍👍

[@TheBalramsingh]

Ankush ji, one query. What is advised to consider laibility of education loan availed by borrower for his child and still under moratorium period. Should we consider same as HL.

[@AnkushJain]

Don't usually come across such circumstances. But still, repayment of education loan is projected basis completion of study and earning from job of the student and such thing can become risky as well since getting a job is not a sure thing. Therefore being on conservative side, education loan should be obligated if the promoter is not having any other source of income other than the business we assessed

[@sanjupal7532]

Do a details vedio on working capital gap

[@AnkushJain]

Already done. Pl check below link kzbin.info/www/bejne/jZDQi61poMatmdU

[@Vijendrabhau]

Sir Where to pick up bank interest expenditure from tax audit report. Please clarify if custumer not providing detail

[@AnkushJain]

To be done from profit and loss account

[@rajatgupta191]

Sir one query Will repayment of unsecured loan of director will be included in total debt while calculating dscr.

[@AnkushJain]

Ideally it should be but we don't count them as such in dscr.

[@prasenjitroy9461]

DSCR Calculation me provisional P/L lete hai or Projected P/L Lete hai??

[@AnkushJain]

Dono

[@hkhatnani8462]

Interest on usl ( family friends ) to be added in pat or not ???

[@AnkushJain]

We can add back to drawdown additional comfort

[@vaib2248]

Sir in case of advance against deposit, what will be the principal in that case

[@AnkushJain]

Could not get advance against deposit. Any example?

[@krishnenduchakraborty1150]

SIR CC/OD/DOD ME SIRF DOD ME "MONTHLY REPAYMENT" KO AS AN EMI KARNA HOGA?? WHY?? KYA DOD PROPOSED WALA NEHI CONSIDER HOGA?

[@AnkushJain]

Dod mein drop hoti hai na limit to isliye consider krna pdega

[@krishnenduchakraborty1150]

@@AnkushJain ya sir... Right right.. That's your 1cr limit for 5 years.. Means 20 lacs less every year .. Thank you sir... 😊😊😊😊

[@AnkushJain]

👍

[@krishnenduchakraborty1150]

@@AnkushJain 😊😊😊

[@karanmadan7302]

Good Job. Please also make a video on Mortgage to GDP ratio

[@AnkushJain]

Thank you Karan

[@TheSuresh2022]

Sir, agar partnership firm me, firm agar profit low eg. 50 thousand show kar raha h, aur tax bhi nil file kar raha h, aur salary exp 18 lakh show kar raha h, to kya firm financial strong consider honge, is this case doable for funding??

[@AnkushJain]

If this salary is to partners then actually your profits are 18.5 then you can consider it accordingly

[@SiddharthaGautam-q5y]

How did you calculate adjusted DSCR

[@AnkushJain]

Can u tell the time in the video in which I explained that

[@SanjeevSharma-kd8ue]

Hii sir i know u..since u were CM in one bank

[@AnkushJain]

In which bank? I knew one Sanjeev in Amritsar in hdfc bank

[@SiddharthaGautam-q5y]

Do we have to consider individual loans for DSCR calculations in partnership or Pvt Ltd also.?

[@AnkushJain]

If partners individual income is sufficient to repay then no need to consider

[@Infojoshi]

Sir, BTO(Banking Turnover) low mein file aage process nahi hogi? And what does it mean if BTO is low or high.

[@AnkushJain]

Seems like k customer ki sales k equivalent bank mein Paisa jma nhi ho rha

[@Infojoshi]

@@AnkushJain so cash transactions bhi toh Esme ho sakta h? How to take this up? Or such cases?