DSCR Computation in Term Loan | Banking Credit Analysis | Credit Appraisal | Project Appraisal |FOIR

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CA Raja Classes

CA Raja Classes

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@natarajandandapani3048
@natarajandandapani3048 6 жыл бұрын
Thanks a lot. for beautifully explaining the concept of calculation of DSCR, especially as to why we add back Depreciation, Tax and Interest. Here I need one small clarification. The interest added is whether interest on the Term Loans alone, or the whole interest on borrowings charged to the firm.
@carajaclasses
@carajaclasses 6 жыл бұрын
Natarajan Dandapani interest on term loan only
@carajaclasses
@carajaclasses 6 жыл бұрын
"Thank you very much Natarajan..... If you wish to get my Financial Video lectures daily direct in your "WhatsApp", then watsapp me "KZbin LECTURES" through this link wa.me/917736022001 . Do not forget to check out the complete course on this topic - BANKING CREDIT ANALYSIS PROCESS - www.instamojo.com/caraja/banking-credit-analysis-process/?discount=ytbcap6 - All my courses are available in my web www.carajaclasses.com”
@VinodKharvi111
@VinodKharvi111 4 жыл бұрын
Skillful and Deep explanation.. I strongly recommend CA raja Classes course who wants to learn project financing.
@furiousgtz
@furiousgtz 5 жыл бұрын
Is retained profit the COGS and expenses - Sales = Net / Less repayment = dscr?
@NishaKumari-of7ln
@NishaKumari-of7ln 4 жыл бұрын
Sir if holiday period is 15 months then for 1st year can we take only interest amount and principle amount as zero.. Or we should start calculation with term loan repayment period? Kindly suggest
@RAJPOOTBOY10
@RAJPOOTBOY10 3 жыл бұрын
Hi
@jubingeorge1048
@jubingeorge1048 2 жыл бұрын
Sir, Why is the average balance calculated in the interest computation sheet while making calculation of the interest amount?
@carajaclasses
@carajaclasses 2 жыл бұрын
It will give u approximate amount
@muthukumar-iz1jx
@muthukumar-iz1jx 2 жыл бұрын
I am working in banking sector and I would like to join the class for ratio analysis..which class suitable for me...kindly advise...
@prakashburange7075
@prakashburange7075 4 жыл бұрын
What if NPAT is negative. Will it be deducted from source
@nrs2439
@nrs2439 3 жыл бұрын
Sir....... TQ for the vdO.... it's so in a very simplified way... 🙏
@entertainmentempire4007
@entertainmentempire4007 2 жыл бұрын
Debt equity ratio,break even point, saparate cls maadi
@vijayr2590
@vijayr2590 3 жыл бұрын
Hi sir, awesome explain regarding dscr calculation but I have a doubt, why interest on TL is calculated in bscr and what is logic sir
@carajaclasses
@carajaclasses 3 жыл бұрын
It’s basically to know profit earned before paying interest
@carajaclasses
@carajaclasses 3 жыл бұрын
I do conduct Free Webinar on Financial Analysis every Sunday 11am. If you are interested, you can attend by registering in this: bit.ly/3gVba80 If you haven’t subscribed our KZbin channel, please do subscribe 👍🏻
@shailendersingh4228
@shailendersingh4228 6 жыл бұрын
Justt wooowwww i m ca final year student nd ur presentation s awesome sir
@carajaclasses
@carajaclasses 5 жыл бұрын
I am glad that you liked my lectures. You can also Whatsapp me through this link for any queries - or simple text LECTURES to subscribe to our Whatsapp Lectures wa.me/917736022001 Do check BANKING CREDIT ANALYSIS PROCESS carajaclasses.com/BCAP.html for comprehensive lectures. Check out our other courses from website www.carajaclasses.com "Never stop learning, because life never stops teaching"
@askarali6013
@askarali6013 2 жыл бұрын
Fantastic teaching ...! Thank You sir...!
@carajaclasses
@carajaclasses 2 жыл бұрын
I am glad that you like my lectures. I wish to give you access to our Online Course “Must Know Financial Videos”- Its a compilation of several hundreds of my video lectures. It’s free and you can access through this link: courses.carajaclasses.com/s/store/courses/description/Must-Know-Financial-Videos?affCode=LIINZM
@RAHULSHARMA-ed2rd
@RAHULSHARMA-ed2rd 3 жыл бұрын
Sir whether interest on working capital is required to be consider for the calculation of DSCR
@carajaclasses
@carajaclasses 3 жыл бұрын
kzbin.info/www/bejne/bKGzkqGBh7-SntU Watch this
@RAJPOOTBOY10
@RAJPOOTBOY10 3 жыл бұрын
Wonderful amazing and comprehensive method.
@carajaclasses
@carajaclasses 3 жыл бұрын
I am glad that you like my lectures. Check out various free courses I have published on the related topics from this link: courses.carajaclasses.com/s/store/courses/Free%20and%20Supplementary%20Educational%20Resources If you wish to take your learning journey to the next level, that too in KZbin itself, then I have an amazing opportunity for you! KZbin has enabled Paid Membership Platform & I have created 3 Membership Programs for KZbin Subscribers: i) Banking Program ii) Finance Program iii) Banking & Finance Program You will get exclusive perks by joining this Membership. To know more, Click: kzbin.info/door/J7fpdDxAJ8pRoE0oUanVlgjoin Subscribe to our Whatsapp Community for Daily Dose of Lectures and Educational Resources: wa.me/917736022001?text=Subscribing%20Lectures%20from%20KZbin
@necromaniac6079
@necromaniac6079 2 жыл бұрын
Wow bossman. My sbi alumini 👍
@mozpassion8996
@mozpassion8996 6 жыл бұрын
Looking in to balance sheet, do I have to take all debt? Or just the long term? Do inhave the principal paid annually or total?
@carajaclasses
@carajaclasses 6 жыл бұрын
For DSCR Computation, take long term loans with repayment schedules. There will be unsecured loans from promoters not repayable immediately. They need not be taken.
@rudyarmandofigueroarosales371
@rudyarmandofigueroarosales371 6 жыл бұрын
Good afternoon! congratulations for this video, it is a good material! I have a question. why do you use the average balance to calculate the int. @ 10% instead use the opening balance? thank you very much!
@carajaclasses
@carajaclasses 5 жыл бұрын
I am glad that you liked my lectures. You can also Whatsapp me through this link for any queries - or simple text LECTURES to subscribe to our Whatsapp Lectures wa.me/917736022001 Do check BANKING CREDIT ANALYSIS PROCESS carajaclasses.com/BCAP.html for comprehensive lectures. Check out our other courses from website www.carajaclasses.com "Never stop learning, because life never stops teaching"
@MisterJyo
@MisterJyo 4 жыл бұрын
I believe that is just to calculate the interest on a weighted average basis for 12 months
@ifeatuibeziako598
@ifeatuibeziako598 Жыл бұрын
I will like to learn more from you
@sriramraksha9789
@sriramraksha9789 3 жыл бұрын
explained very well ,sir i would like know more regarding the classes can u pls guide me
@carajaclasses
@carajaclasses 3 жыл бұрын
I am glad that you like my lectures. Check out various free courses I have published on the related topics from this link: courses.carajaclasses.com/s/store/courses/Free%20and%20Supplementary%20Educational%20Resources If you wish to take your learning journey to the next level, that too in KZbin itself, then I have an amazing opportunity for you! KZbin has enabled Paid Membership Platform & I have created 3 Membership Programs for KZbin Subscribers: i) Banking Program ii) Finance Program iii) Banking & Finance Program You will get exclusive perks by joining this Membership. To know more, Click: kzbin.info/door/J7fpdDxAJ8pRoE0oUanVlgjoin Subscribe to our Whatsapp Community for Daily Dose of Lectures and Educational Resources: wa.me/917736022001?text=Subscribing%20Lectures%20from%20KZbin
@saralaravi9831
@saralaravi9831 4 жыл бұрын
Superb sir vaazhga valamudan
@carajaclasses
@carajaclasses 4 жыл бұрын
I am glad that you like my lectures. Check out various free courses I have published on the related topics from this link: courses.carajaclasses.com/s/store/courses/Free%20Courses Subscribe to our Whatsapp Community for Daily Dose of Lectures and Educational Resources wa.me/917736270601?text=Subscribing%20Lectures%20from%20KZbin If you want us to create a lecture / course for you, fill this form and ill let you know when it is done: forms.gle/4yNYNkFxKCzboM2h7
@prajaktapende7725
@prajaktapende7725 6 жыл бұрын
hello sir , my doubt about Depreciation . is it depreciation will be same in every year ? coz its decreasing . please clear my doubt
@carajaclasses
@carajaclasses 6 жыл бұрын
prajakta pende depreciation Will be constant if straight line method followed, it will be decreasing if written down value method followed
@MisterJyo
@MisterJyo 4 жыл бұрын
Is DSCR should be certified by auditor for Loan purpose?
@carajaclasses
@carajaclasses 4 жыл бұрын
Not necessary- it’s an estimation only
@carajaclasses
@carajaclasses 4 жыл бұрын
Thank you- Join today’s webinar on Financial Analysis courses.carajaclasses.com/s/store/courses/Online%20LIVE%20Workshop Join our Watsapp Groups: wa.me/917736022001?text=/Financialgroups
@MisterJyo
@MisterJyo 4 жыл бұрын
@@carajaclasses Ok. Thank you sir.
@guddu5153
@guddu5153 5 жыл бұрын
Sir Very very thank you for your lectures I am watching all lectures available on KZbin . I want to master in Balance sheet please suggest me. I am science background working as field officer.
@carajaclasses
@carajaclasses 5 жыл бұрын
I am glad that you liked my lectures. You can also Whatsapp me through this link for any queries - or simple text LECTURES to subscribe to our Whatsapp Lectures wa.me/917736022001 Do check BANKING CREDIT ANALYSIS PROCESS carajaclasses.com/BCAP.html for comprehensive lectures. Check out our other courses from website www.carajaclasses.com "Never stop learning, because life never stops teaching"
@rohit28393
@rohit28393 2 жыл бұрын
Taught very well
@carajaclasses
@carajaclasses 2 жыл бұрын
I am glad that you like my lectures. If you haven't subscribed our channel yet, please subscribe and also become eligible for special discount on our Banking & Finance Online courses. I have published structured Online Courses for Bank Executives, Finance Executives and Professionals as well as Finance Students. Visit our eLearning Portal CA Raja Classes through this link & go through our Courses and eResources: courses.carajaclasses.com/s/pages/home If you wish to enrol courses at discounted price, click on the discount pop up and opt for discount. Ill share course discount coupons through Whatsapp once you submit discount request form. Do not forget to tick KZbin Subscriber in the form.
@mozpassion8996
@mozpassion8996 6 жыл бұрын
Hi there, what if the principal repayment is not the same for the 5 years?
@carajaclasses
@carajaclasses 6 жыл бұрын
You have to build repayment schedule in DSCR Computation. It is not necessary it should be same all the years.
@aqsazikra5141
@aqsazikra5141 4 жыл бұрын
Sir can you please provide us this excel file so that it will be more easy to learn this topic
@Pawankumar-nl4fe
@Pawankumar-nl4fe 7 жыл бұрын
Hello sir, I have one doubt with regard to DSCR... In balance sheet while classifying Current Maturities of Term Loan, please clarify that whether the current maturities of Term loan pertains to that particular FY or the next FY... Let us assume that Rs. 100/- is classified under current maturities of term loan in the ABS of FY 2015-16, please advise that whether the same has to be reckoned during the FY 2015-16 for the purpose of calculating the DSCR or the same has to be considered for the FY 2016-17 for the purpose of DSCR... Regards, Pawan...
@carajaclasses
@carajaclasses 7 жыл бұрын
Pawan kumar 2016-17
@Pawankumar-nl4fe
@Pawankumar-nl4fe 7 жыл бұрын
CA N Raja Natarajan Sir can I know the reason specifically?
@carajaclasses
@carajaclasses 7 жыл бұрын
Pawan kumar in 2015-16 it is shown as current liability - that too as on 31-3-2016 - it means payable within 1 year - so obviously payable in 2016-17. Hence counted in 2016-17 DSCR calculations
@poulomidevroy6265
@poulomidevroy6265 5 жыл бұрын
Sir, why aren't we adding sales to compute total source?
@hari-xo2fm
@hari-xo2fm 5 ай бұрын
The loan is serviced from retained profit. Not from total sales. Only after maintenence of the workforce and machinery can the m/s service it's loan.
@Arunkumar-pd6hr
@Arunkumar-pd6hr 6 жыл бұрын
Awesome Sir
@carajaclasses
@carajaclasses 6 жыл бұрын
"Thank you very much Arun kumar If you wish to get my Financial Video lectures daily direct in your "WhatsApp", then watsapp me "KZbin LECTURES" to +917736022001. Also do not forget to check out the complete course on this topic - ADVANCED FINANCIAL MANAGEMENT - www.instamojo.com/caraja/banking-credit-analysis-process/?discount=ytbcap6 - All my courses are available in my web www.carajaclasses.com "
@vinothini99
@vinothini99 3 жыл бұрын
Clearly understandable 😁
@deepthinovel
@deepthinovel 3 жыл бұрын
can someone share that excel
@diya2909
@diya2909 6 жыл бұрын
Dear Sir can you upload the excel link
@entertainmentempire4007
@entertainmentempire4007 2 жыл бұрын
Sir tq
@Neetish21
@Neetish21 5 жыл бұрын
DSCR in simple terms is CADS/DSO
@bhupendrapurohit1106
@bhupendrapurohit1106 4 жыл бұрын
Ty sir
@carajaclasses
@carajaclasses 4 жыл бұрын
I am glad that you like my lectures. Check out various free courses I have published on the related topics from this link: courses.carajaclasses.com/s/store/courses/Free%20Courses Subscribe to our Whatsapp Community for Daily Dose of Lectures and Educational Resources wa.me/917736270601?text=Subscribing%20Lectures%20from%20KZbin If you want us to create a lecture / course for you, fill this form and ill let you know when it is done: forms.gle/4yNYNkFxKCzboM2h7
@sadgururam5835
@sadgururam5835 6 жыл бұрын
Thanks a lot sir
@carajaclasses
@carajaclasses 5 жыл бұрын
I am glad that you liked my lectures. You can also Whatsapp me through this link for any queries - or simple text LECTURES to subscribe to our Whatsapp Lectures wa.me/917736022001 Do check BANKING CREDIT ANALYSIS PROCESS carajaclasses.com/BCAP.html for comprehensive lectures. Check out our other courses from website www.carajaclasses.com "Never stop learning, because life never stops teaching"
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