Debt Service Coverage Ratio | Financial management | CA RAJA CLASSES

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[@thoufiqali0196]

Today was a great day for me. Because identify your channel for enhancing my skill. Thank you so much sir for your effort in teaching us.

[@nalinim8617]

Sir unga videos chanceless

[@shinchan8955]

thankyou so much!!!!!!

[@Lucky12321]

Well explained. Very clear and in simple terms.

[@carajaclasses]

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[@carajaclasses]

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/917736270601?text=Subscribing%20Lectures%20from%20KZbin

[@yusufkalongo]

Your approaches and deliverance is so amazing,concepts clearly achieved.Keep it up!!

[@carajaclasses]

Thank you for your kind comment on my video! I invite you to check out our elearning portal CA Raja Classes, where you can find several free and paid courses and ebooks related to finance, accounting, credit, banking, etc. Simply visit courses.carajaclasses.com/ to access our portal. Thank you for your support!

[@Ran9539]

Thnk u sir

[@purudate4049]

Sir ! How do you find out installment or principal repayment? Shall we take the current portion of long term loan included in the current liability as the installment?

[@AmandeepSingh-ud5wp]

Very good video sir. I have understand this concept for lifetime.

[@mukhoda]

"We are happy to provide the fixed and floating charge on the rights to leasehold land of XYZ Limited pari Passu with ABC Bank" .....Mr Raja can you please help me understanding what is in inverted commas.

[@LIVINKUMARM]

Dscr formula Vara interest already iruka loan interest ah illa current buying loan interest ah sir.

[@carajaclasses]

Both Existing as well as proposed

[@LIVINKUMARM]

@@carajaclassessir small confuse, numerator and denominator both interest values are current bought loan interest value or old loan interest value?

[@carajaclasses]

@@LIVINKUMARM Both the loans (old + new) - in both numerator and denominator

[@LIVINKUMARM]

@@carajaclasses thank so much sir for your kindly reply.

[@swathydevadasan9711]

Feeling so happy after seeing your class.i was feeling helpless while processing a loan.Asked a lot of people watchedd a lot of videos. But this is the class which I was searching for.thank you so much

[@SaRa-zi9tp]

I need clarification about installment.

[@farvez_mohammad5294]

Sir..can you explain sundry debtors and creditors class..

[@victorynath]

Wonderful. I was asked by bank to submit this. It has to be signed and authorised by a CA or just the report is enough for Bank understanding sir?

[@carajaclasses]

It depends on banks requirements. Basically it’s Management’s estimation.

[@rishikeshsrivastava2482]

Sir do we have to add the interest on CC limit while arriving to the profit.

[@Ganezan1]

Excellent...Using small number for explanation good approach..easy understanding.

[@carajaclasses]

I am glad that you like my lectures. I wish to give you access to "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

[@sumantasaha3058]

Sir while calculating DSCR do we have to consider to the interest we are paying for CC??

[@carajaclasses]

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[@rahul1299]

Very well explained, with example

[@krishnabalkote]

Very good Explanation, I have been watching your videos since 5-6 years

[@carajaclasses]

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[@saswatnayak4759]

sir I am from a science background as because I am preparing for a bank exam I had to cover this DSCR topic . i have been looking at different sources but still this was the only ratio that i was not able to comprehend and finally I understood what DSCR actually wants to convey and what's its use thank you very much sir.

[@carajaclasses]

❤️

[@nalinim8617]

I am working in banking sectors

[@ram.m4805]

Hi sir, Very good explanation Thanks alot.

[@carajaclasses]

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

[@arunakshat1631]

Sir thanks for clearing my doubt.. when I solve case studies of dscr, I have come across a topic if post tax obligations is higher than non cash expense..debt service (denominator) is calculated using Total Debt Service = Interest + non cash expense + (Principal Repayment + Lease Repayment - Non Cash Expense) / (1-tax rate). Why Non cash expense is added to interest...I understand why non cash expense is deducted from principal obligation but I am confused why it is added to interest (we know non cash expense is not an obligation)..sir pls clarify this

[@carajaclasses]

Watch this video kzbin.info/www/bejne/rIOyo6JjnLWZnaM

[@carajaclasses]

Non-cash expenses are subtracted while arriving at profit (like depreciation). Since we need cash profit to compare with the obligation we are doing reverse calculation. We start with PAT and add back non cash items to arrive at cash profit.

[@arunakshat1631]

Thank you for explaining such a great thing in simple terms sir... could you please explain DSCR when there is lease rental payments..Do we need to add lease rental to both numerator and denominator (given in book)..why we need to add lease rental to numerator..appearing for iibf CCP exam sir..

[@carajaclasses]

Lease rental has both principal and an interest component. In the numerator, we have to split this EMI into principal and interest and add only the interest component and in the denominator, both interest and principal have to considered.

[@carajaclasses]

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[@arunakshat1631]

Thank you for replying sir...Already bought ccp package sir..

[@deeptisharma4272]

Hello , i saw a video whr u have shown dscr as gross , net and av values and in formula we deduct dividend in numerator . What's the difference.. can we use that too I answered that formula in credit analysis interview but it was declared wrong ? Please reply

[@carajaclasses]

Hi, This approach could very bank to bank. Banks who are very conservative, will be particular that while computing the cash available for servicing the debt (that is numerator), dividends should be deducted because to that extent profits are not available for paying principal. So this cannot be wrong. Just imagine the business has made a profit of hundred crore and out of which 30 cr is paid as dividend. It means now they have only 70cr profit left with for servicing the principal. In DSCR if you don’t deduct this 30cr in the numerator, are you not sending the information that hundred crore profit is available for servicing the debt? But what is available is only 70 cr. Hope this clarifies.

[@deeptisharma4272]

@@carajaclasses Thank you Sir, I am actually your udemy student and learned a lot from that course . I got confuse when interviewer declared it as wrong formula and also said thr is no gross n net thing with DSCR. Thank you Sir 😊 for your reply .. you gave me confidence

[@carajaclasses]

Most of the public sector banks still follow Gross DSCR, Net DSCR & Avg DSCR

[@deeptisharma4272]

@@carajaclasses OK Sir.

[@naturelust378]

Congratulations for 100K

[@carajaclasses]

Many many thanks

[@SenthilKumar-xs1tc]

very well explained sir...

[@carajaclasses]

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[@farvez_mohammad5294]

Well explained sir..

[@carajaclasses]

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[@wellwisher4525]

Thank you Sir

[@carajaclasses]

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[@namasivaya3714]

Thank u Sir

[@carajaclasses]

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

[@mohammedmuzibur1935]

Thank you

[@carajaclasses]

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

[@IndoreTravellers]

Nice sir

[@carajaclasses]

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

[@tgmanjunath1728]

Sir u have mentioned Installment in the denominator. Does that mean only principal or EMI (Prin + interest)?

[@chhayayadav846]

Very well explained

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[@carajaclasses]

I am glad that you like my lecture in KZbin. I wish to give free access to my EBooks / Online Courses / Career Guidance / Test Series / Study Materials related to *Finance, Banking & Accounting* to my KZbin followers - If interested, Whatsapp me through this direct link: wa.me/917736022001?text=Requesting%20access%20for%20free%20resources%20(KZbin%20Subscriber)