Debt Service Coverage Ratio (DSCR) - Concepts which no one teaches - HINDI

[@ShuddhDesiBanking]

Looking for a detailed course in Credit. Your search ends here: 1. Credit Risk Analysis and Rating: bit.ly/37DXXhu - A 3 hours 30 minutes course for Bankers and Finance Professionals. 2. Take this course if you want to learn the details of NPA and SMA - bit.ly/IRACnorms

[@tania9397]

When I googled DSCR and this video comes up 👍🏽👍🏽👍🏽😀...Great video sir. Concept explained very well and lucidly. Thank you

[@ShuddhDesiBanking]

Yes, it depends on SEO and the consistent performance of the content. Our Trade videos also appear on Google search.

[@kunalkishore2773]

गजब. First time, I understood DSCR in most simplest way.

[@umakirola8617]

Thank you so much. After searching tens of videos also I don't get what I am exactly looking for.. because the way of analysis from bank point of view changes with bank related tools and techniques used.. Your videos are really helpful 👍

[@ShuddhDesiBanking]

Happy to help

[@amitapatil4088]

Great Sir... amazing....excellent video

[@ramsingh-nt6bc]

Amazing. Channel.....a boon for bankers

[@ShuddhDesiBanking]

Thank you. Help us reach others.

[@abhishekkumr4665]

Best explanation ever

[@ShuddhDesiBanking]

Thank you.

[@abhifossils]

Great sir...AAP hamesha video banate rahna...bahut help hota hai...sir apka Naam kya hai....case studies ka ans kaha milega

[@ShuddhDesiBanking]

Thank you, keep inspiring us. This is Ramit and my wife is Anwesha we both work in bank. First you try to do case study yourself. I plan to make a seperate video to answere it but I need to wait for some time. Let's see how many like you are interested to attempt it.

[@abhifossils]

@@ShuddhDesiBanking ok sir...me from SBI

[@vijaydandin3190]

Awesome explanation sir 👏 👍

[@ShuddhDesiBanking]

Thanks and welcome

[@fitnesslovedance1698]

Really excellent and helpful vista of knowledge

[@ShuddhDesiBanking]

Glad it was helpful!

[@raj0936]

Sir namaskar...one video on axis growth opportunity fund in detail with pros and cons can i remain invested in that or to switch to small cap

[@gusanikishan3086]

i like it of this video. i very struggling of CMA Data but how to maintain of CMA which formula is easy to maintain of CMA Data please suggest your good self.

[@ShuddhDesiBanking]

kzbin.info/www/bejne/i3i5lIyZrLWYn80 This might help.

[@nirajsinha2369]

Very good explanation of concept !!

[@ShuddhDesiBanking]

Glad you liked it!

[@eswararaomanyam9554]

Super, please make all kind of Ratio and analysis required for banks and if possible attach the Excel files.

[@jaiminsarvaiya]

How to do sensitivity analysis in DSCR?

[@vikasharjani1700]

If a firm having existing TL and asking for fresh TL in that case the installment and interest of both the term loan to be consider while calculating dscr Or only fresh TL installment and interest to be consider. Plz reply

[@Kajal-ls2ky]

Really very helpful video.. Sir I am struggling in iibf exam, how do I clear or study for clear exam.

[@arunsingh-cm5hr]

Saba Khan Karol bagh me job karti ho HDFC ME DEAL KARTI HO

[@ambicajhim3702]

Really appreciate your efforts 👍

[@ShuddhDesiBanking]

Thanks a lot 😊

[@zakwilder518]

Sir how to calculate interests that will be paid in consecutive years..i mean if we'll calculate it manually it'll be very long

[@jus8nidhi]

Superb explanation

[@ShuddhDesiBanking]

Glad you liked it

[@kanchankhilari930]

THANK YOU SIR NICELY EXPLAINED

[@ShuddhDesiBanking]

Thank you.

[@prabhakarkumar9546]

Mind blowing video

[@Himanshu-bn9lw]

Interest on term loan is taken in both side. What is reason for that .pls guide with small example

[@brunobrunodnani665]

Sir Thanku very much…very nicely explained

[@ShuddhDesiBanking]

Most welcome

[@pravatkumarsahoo521]

Excellent video sir. Kindly make video on analysis of financial statement of business unit for review/renewal of cash credit.

[@sachin911055]

Should we consider all interest expenses or only that part which will be applicable on the loan which we are working Upon??

[@ShuddhDesiBanking]

Interest on Term Loan (for all TL). Similarly Installment on Term Loan (all Term loan). The logic is Company should have enough cash to repay both Principle and interest of all the term loan.

[@vijendermohan7]

Sir, Why are taxes not added back like depreciation and interest in the formula ? At many sites DSCR is EBITDA/Total Debt Service. Please guide

[@ShuddhDesiBanking]

We cannot comment on what others are teaching. We teach what we have learnt.

[@mdshahbazquraishi321]

Sir dscr report me kya cost ayenga ise banane me

[@nitasha63]

Sir nice video...can you explain the financial analysis of combine harvestor..e.g..npv, benefit cost ratio

[@rajanshah2507]

Should cc interest be included in DSCR?? Or only term loan interest.

[@divyanshkumar8961]

Yes since interest served on CC is also an obligation. Assumption being that the CC limit is being utilised atleast 75%

[@ambilyantony1039]

Why is the interest towards CC limit not considered while working out DSCR?

[@ShuddhDesiBanking]

DSCR is used to measure whether the company will be able to repay the term loan from its cash earnings. Interest on working capital is meant to paid out from the sales realization and not from the profit.

[@ambilyantony1039]

@@ShuddhDesiBanking Thank you sir, got clarified

[@kanchankhilari930]

SIR PLEASE PROVIDE EXCEL SHEET UNABLE TO UNERSTAND WHAT FORMULAS ARE USED

[@ShuddhDesiBanking]

Drop an email [e-mail]

[@saurabhnath6871]

Very useful video ...

[@ShuddhDesiBanking]

Glad you liked it

[@jahangirquadri1226]

Great video, very impressive

[@ShuddhDesiBanking]

Glad you liked it!

[@pradeepballal6306]

Sir what should be the Yearly DSCR for the last year ?? Is it, 1.57 ÷ 4 = 0.3925 + 0.22 = 0.6125 (A) 0.6125 ÷ 0.29 = 2.11

[@ShuddhDesiBanking]

drive.google.com/file/d/1yKmu6kC4LfrwMpFgm6mytOldkXAgpV4q/view?usp=sharing

[@sachin911055]

Got it sir thank you. I got what I was missing...

[@badullag2840]

Nice tutorial 🎉🎉

[@ShuddhDesiBanking]

Glad you liked it!

[@SarthaktiwariKGH]

Sir kindly make a video for DSCR and ISCR where we have sanction Term loan with CC limit. Warm regards

[@chandnisabnani]

Why interest is added in numerator?

[@shubhamkanwar4888]

Because in Net profit it is already deducted.

[@ibadsayyed1530]

Some banks also consider working capital interest while calculating dscr. Why is it so?

[@ShuddhDesiBanking]

Not correct.

[@sandeepdeshmukh2711]

VERY NICE SIR...

[@ShuddhDesiBanking]

Thanks and welcome

[@VIKASHKUMAR-ch4fn]

While calculating this Do we also consider interest paid for CC/OD account or only Term Loan instalment

[@ShuddhDesiBanking]

Only TL installment.

[@VivekSingh-fy7iw]

Will we take depreciation at pro rata basis as well?

[@ShuddhDesiBanking]

Never thought in this way. But technically you are right.

[@calindesilife4123]

Is dscr loan good for 2plex business?

[@pallawshastry1288]

Sir how did you calculate the interest.. interest portion of monthly emi for 12 months or monthly interest on monthly balanced installment for 12 months.. pls clarify

[@ShuddhDesiBanking]

Repayment terms can vary with different products of banks. If repayment term (for term loan) states EMI we have to consider the interest portion of EMI. You can use amortization schedules available in your bank. For business exposure of sizable amount there is no EMI. Repayment term generally states "Interest shall be paid on monthly basis or as and when due including moratorium period". In those cases it is easier to separate interest from principle. Of course I am talking about compound interest. Whatever might be the case here interest means interest that is likely to be paid by the company in one particular year.

[@mohammedmuzibur1935]

If DSCR is less than 1 for any year but the company has repaid principal n serviced interest.Can it be a case of diversion of short term fund towards loan repayment say Diversion of OD/CC to pay Loan installment

[@ShuddhDesiBanking]

Yes that might be the case. We often see happening that in branches. That will have a negative impact on the current ratio as well. In one hand CL is increased without addition of CA so definitely current ratio will go down. You are from which bank?

[@mohammedmuzibur1935]

Further,If DSCR for any future year is less than 1, than should we ensure that the short fall is projected as USL/Long term funds of company for that particular year.

[@ShuddhDesiBanking]

If DSCR is projected to be less than 1 for any year no need to break head doing analysis. Simply ask the company to revise the same. Less than 1 is not acceptable even while restructuring. It means company/ firm is declaring before hand that it will not have enough money to repay the loan in that year.

[@AkhileshKumar-ib2bs]

Awesome explanation

[@ShuddhDesiBanking]

Glad you think so!

[@mail2raj5847]

Dear Sir, after seeing all your Worthy videos I think I'm losing something valuable as you are started making all videos in Hindi. Kindly upload English version videos as well if possible.

[@ShuddhDesiBanking]

Hi, 1. Just like you we are 200% more comfortable in English than in Hindi. 2. But bankers in India hates to carry English to the comfort of their home. 3. There are not many people like you who are serious to learn and afford to give dedicated time for our tutorials. 4. So we have to forcefully enter into their busy schedule. 5. Our earlier videos were in English which failed to draw much attention. 6. The decision to shift from English to Hindi was a tough one and based lots of feedback received from other bankers. Our entire presentation is in English with occasional text popups to explain things better. We respect your advice and will try to incorporate more English words in our speech. Let us find a middle way :)

[@arkakoner9190]

How yearly dscr 1.89 coming in last year

[@ShuddhDesiBanking]

Mistake while dragging the excel formula. Hopefully, the concept was clear. Thank you.

[@arkakoner9190]

Yes sir

[@sachinshintre2883]

Sir is there any video on in depth CMA data

[@ShuddhDesiBanking]

This one - kzbin.info/www/bejne/i3i5lIyZrLWYn80

[@sachinshintre2883]

@@ShuddhDesiBanking Thank you very much sir.. your all videos are extremely helpful. I am working in treasury and corporate finance of various companies post mba. so all ur financial videos are so much helpful to me.

[@time2career506]

Kyaa baat h sir too good

[@sumitpal5773]

Sir while calculating DSCR do we hv to consider the interest we are paying for CC..

[@ShuddhDesiBanking]

No. Only TL interest. We missed your earlier comment. Apologies for that.

[@sumitpal5773]

@@ShuddhDesiBankingThank you so.much Sir...I really appreciate you because of so prompt response... Sir I have a request if you can explain DSCR with an example of a business firm where he is having certain term loan/ Business loan and CC OD for our better understanding.

[@sumitpal5773]

Sir agar company ke pass cc/ od hoga toh uska interest add nahi hoga while finding dscr

[@satyajeetkarmakar5611]

Dscr to TL k case me calculate hoga na

[@gauravsemwal9874]

Sir if we calculate DSCR for partnership firm.... can we include salary of the partners???

[@ShuddhDesiBanking]

The salary of partners are deducted from the Gross earnings in any case. After that Net profit is arrived. We use this Net profit or PAT for computation of DSCR.

[@Bhtbaghel]

Practical ,educational and emotional banking

[@gauravkamble875]

Sir plz make a video on Chet funds with new rules and regulations .

[@ShuddhDesiBanking]

Our videos are focused on baking products only.

[@gauravkamble875]

@@ShuddhDesiBanking I'll agree but during covid situation some people misguide to others people thats y.

[@AJ-ll9kz]

Sir We even add partner' salary to get dscr ?

[@ShuddhDesiBanking]

If you are taking about company's DSCR partners salary are not added back. They are actual expenditure (cash outflow) unlike depreciation. PAT is derived after removing them. They are not to be added back.

[@AJ-ll9kz]

@@ShuddhDesiBanking owner 's salary?

[@vijaygode8586]

Sir, please make presentations on TOL/TNW, TOL/ATNW, ICR, Asset Coverage Ratio and FACR

[@ShuddhDesiBanking]

Tutorials on ratios will be coming soon in near future. Be with us !

[@himanshuchoubey3609]

If you want to presentation pls send your email id

[@brijmohansaroj8451]

V good

[@Rohit-singh1]

Sir value of interest aane wale years kam hota jayga

[@ShuddhDesiBanking]

Yes of course. As the loan gets repaid the principle amount reduces. So interest charged on it will also get reduced.

[@rishalgiri5206]

Good information

[@ShuddhDesiBanking]

Thanks

[@anandsingla6650]

Ideally it need to be retained net profits not net profits

[@ShuddhDesiBanking]

Agreed.

[@shankarn2198]

thank you sir

[@sandhurasidan]

Its knowledgable 🙏

[@GAUKRISHNAENTERPRISES]

Thanks a lot

[@ShuddhDesiBanking]

Happy to help

[@biswaranjansahoo1715]

Perfect

[@geetatamsoy8372]

Sir I calculated and I got average DSCR : 1.69

[@geetatamsoy8372]

Is it correct sir?

[@ShuddhDesiBanking]

Apologies for the delayed reply. Please find the link below. You can see the correct work out. drive.google.com/file/d/1yKmu6kC4LfrwMpFgm6mytOldkXAgpV4q/view?usp=sharing

[@geetatamsoy8372]

@@ShuddhDesiBanking thank you sir.

[@mohitagarwal3406]

Thanks

[@ShuddhDesiBanking]

Welcome

[@financemasteracademy8597]

very nice

[@ShuddhDesiBanking]

Thanks

[@PraveshKumar-dr6ip]

It's 1:40 am in the night. But still listening and educating myself. How????? Coz my wife and son are in deep sleep.

[@himaniagarwal146]

Are you from SBI?

[@ShuddhDesiBanking]

I am from e-Syndicate now Canara Bank. Anwesha my wife is an ex SBI officer.

[@ajaykumarsingh3229]

YAHI MERE SATH HO RAHA HAI

[@ShuddhDesiBanking]

:))

[@Monica_liaw]

Yen de bu nen narrrrrr Abu neh neh yehhhhh

[@classicfashionsandhomeappl399]

Hi

[@dawanesunil7847]

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[@ShuddhDesiBanking]

Clear more doubts related to basics of credit here- kzbin.info/aero/PL8luW2QdVFkvIvnl4eJyd2wcLv_i7piCw

[@srini12e3]

Pls explain in English. Hindi wont give u a reach. I cant understand . Pls explain in english alone

[@ShuddhDesiBanking]

Hi, 1. Just like you we are 200% more comfortable in English than in Hindi. 2. But bankers in India hates to carry English to the comfort of their home. 3. There are not many people like you who are serious to learn and afford to give dedicated time for our tutorials. 4. So we have to forcefully enter into their busy schedule. 5. Our earlier videos were in English which failed to draw much attention. 6. The decision to shift from English to Hindi was a tough one and based lots of feedback received from other bankers. Our entire presentation is in English with occasional text popups to explain things better. We respect your advice and will try to incorporate more English words in our speech. Let us find a middle way :)