DSCR (Debt Service Coverage Ratio) - Explained in Hindi | #40 Master Investor

DSCR or Debt Service Coverage Ratio is explained in hindi. DSCR is a coverage ratio that tells us whether a company can pay off its debts or loans.
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Time Stamps-
00:45- Overview of Debt service coverage ratio (DSCR)
01:34- Meaning of DSCR
02:04- Formula of DSCR
02:21- What is operating profit?
05:10- Ideal Formula of DSCR
05:42- Example of DSCR
06:42- Interpretation of DSCR
08:50- Calculation DSCR of Tata Steel.
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DSCR को हिन्दी में समझाया गया है। DSCR एक coverage ratio है जो हमें बताता है कि कोई कंपनी अपने debts और loans का भुगतान कर सकती है या नहीं।
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In this video, we have explained:
What is DSCR and its formula?
Measures of company's cash flow to meet its debt obligation?
What is acceptable DSCR?
What is good income to debt ratio?
What percent of your income should go to mortgage?
What is the meaning of EBITDA?
In corporate finance, DSCR refers to the amount of cash flow available to meet annual interest and principal payments on debt, including sinking fund payments. In personal finance, DSCR refers to a ratio used by bank loan officers in determining debt servicing ability.
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Hope you liked this video in Hindi on “DSCR (Debt service coverage ratio)”.

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Debtor Turnover ratio Inventory Turnover Ratio Creditor Turnover ratio Cash Flow Debt Service Ratio Fixed Asset Turnover Ratio Working Capital Turnover Ratio Payable Turnover Ratio Capital Employed Turnover Ratio Return On total Recources Expnse Ratio Please Sir make the video on these topics your are best finance teacher i m wating for your consideration as well video Thanks

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[@property_tommorow9918]

Your and very few others videos are the best way non finance person can learn. Books don't make sense.Also it's good quality provided free. 2 questions - A. In dscr u say tax should not be added and modified the formula. So can I modify icr to pat + interest whole divide by interest B. In dscr u said we have to find it company can easily pay principal for year and interest for year and explained it as 12 * EMI. But in Tata steel example u took total borrowings NOT borrowings payable per year. Thus contradicts. C. U took cash flow from financing activities as opposed to cash flow from investing activities. Could u mention types of financing activities and types of investing activities. Thanks in advance.

[@TheBaljeet123]

it was tough to understand this video, but After watching 2-3 times all points cleared.

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Heartiest gratitude to you Sir. While many professional charges huge amount for this kind of services . You have give it free. Please continue this.

[@aayushpandey8834]

Sir, your way of explanation is really very great... Keep it up

[@MrMadhirag]

Great presentation sir. Thanks for giving this knowledge. You videos are very useful for doing fundamental analysis especially for beginners like me. They are simple and clear. I have improved my stock selection process through this knowledge. DSCR seems to be better indicator to know health of company. Please make videos for such important but less talked about indicators. God bless you.

[@AssetYogi]

Glad that you found it helpful

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Learned new thing today. 👍

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Keep learning Pritesh

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Noted

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[@RadhaMadhav1008]

Thank you sir but i have one question-"Can we Directly use EBITDA and then subtract the tax portion from it and then divide it by Debt service? Instead of adding PAT+Interest+Depreciation and Ammortization and then divide it by Debt service? just to keep things simple...? Please answer Thank you

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Keep learning Avadhanula :)

[@ananyakarsarkar204]

Thanks for the informative video.

[@adamshafijainushaik1030]

Superb explanation...

[@UTTAMKUMAR-kb1nk]

Sir, ur clarification on DSCR is excellent. Need to know, why interest part is in numerator & denomenator in dscr calculation? Seeking your clarification.

[@avadhanulashivaprasad2317]

Numerator includes the total amount available to service debt obligation and interest is added back to arrive at total amount. Denominator is total outflow

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Sir you are great . Please help me i have a query >> is interest on cc loan also calculate in this ratio???

[@sangammishra1530]

Sir kindly guide us about debt service reserve account and how it is calculated

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Thank you for your explanation

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Thanks Naveen :)

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Thank you sir

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Welcome

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Nicely explained..very informative & useful...thank u

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In many of your videos you have taken EBIT/EBITDA directly as an operating profit, then why we have to be so specific in this case ?

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relationship between investors required rate of return and value of a security.?

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Thank you sir 🙏

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[@VijayThakur-gu8zn]

Sir, Principal to (current+non current) liya hai.....interest bhe (current +non current) hoga?? Agr kisi ka CC(working capital) chal rha hai to uska interest bhe add hoga?????

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Awesome

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Thanks Subhasish.

[@kashifzubair605]

Sir agar long term loan na ho, and sirf cash credit interest pay kar rha h , toh DEBT SERVICE kya hoga?

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Sir make video on calculate of ytm and explain concept relationship between market price of bond and market interest rate, and reference with bond duration

[@rakeshmishra4498]

if cash credit account is there then what should we do, whether only interest component will be added or cash credit limit amount and interest will be added.

[@saurabh198019801980]

Dear Mukul Ji, Why financial institutes add the proposed obligations and proposed FCF too while calculating the DSCR for proposed term loan. I would request to please enlighten the reasons of such practice, interpretation of the same and understanding of same. Regards, Saurabh Vashishth

[@SassyMeeh]

We are giving loan which will be repaid by future cash flows, as such understanding the future DSCR is very necessary. It is a tool to understand whether bank's funds will be repaid through the cash flows or not. Accordingly loan limit is set.

[@akhileshshetty5218]

Hi sir.. i have a doubt.. in case of denominator.. repayment of borrowings include both principal and interest right??

[@AssetYogi]

Yes, correct

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Thanks Vijay

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Plz explain cash flow in detail also

[@AssetYogi]

I have already noted this topic for future videos.

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Sir what is amortization?

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Nice

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Thanks, Kunal

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Thanks

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Please make video on accrual and duration bonds.....

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Thank you sir.

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Keep learning

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Thanks a lot

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Keep learning

[@waqasawan1980]

Sir, if there is no long term or short term borrowing or debt, is the short term loan is as same.?

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Best

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Very nice sir ji

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Thank you, sir, explained excellently

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sir please bataiye auditors report kyu refer Kia jata hai credit me aur uska general importance kya hai

[@AnilKumar-ms1di]

Awesome Sir...

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Hope it helps you Anil

[@gayatritalla8261]

Thanks sir

[@FinanceAcademy7799]

Hi Mukul, I have a doubt. Repayment of borrowing in CFF may also include additional repayment component in case if there was a surplus. This can distort the ratio...am I right?

[@jyotibhagat2199]

Sir in dscr debt service is considered as annual debt service or total debt service

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Ebidta-tax is better... For numrator

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sir consolidated aur standalone me fark kya hai

[@AssetYogi]

Standalone financial statements represent the financial position and the performance of the company as a single entity without taking into account the financial position and the performance of its subsidiaries etc.

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Thank U sir

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Very good video sir

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sir please give a video on price to free cash flow ratio and details about free cash flow ??? can you please give fundamental analysis series in stock market ??

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kamal ho gya dear

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Sir please make video on all ratio analysis

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Repayment of borrowing ko principal kyi Lia gaya cash flow se ??funds from borrowing Kyu nahi

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Thank you sir

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Keep supporting Vivek :)

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Good information

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Hope it's helpful Subhash :)

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