Calculate your Debt Service Coverage Ratio � the key metric banks use to approve business loans. See your debt repayment capacity at a glance.
DSCR Benchmarks:
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Calculate DSCR
Rates from 12% p.a. · online application · no branch visit needed. Pick the cheapest option.
| Tool | Pricing | Feature | Best For | |
|---|---|---|---|---|
BAJ Bajaj Finserv TOP | 14% onwards | Loan up to ₹50L · 96-hr disbursal | Established SMBs | Apply Now |
HDF HDFC Bank | 15.75% onwards | Up to ₹40L · doorstep service | Salaried + business owners | Apply Now |
LDK Lendingkart | 12-27% | Online · 3-day disbursal | Working capital top-ups | Apply Now |
IND Indifi | 15-24% | Industry-specific loans | Travel/restaurant SMBs | Apply Now |
FLX FlexiLoans | 14-30% | Flexible repayment terms | Quick capital needs | Apply Now |
Pricing is indicative. Affiliate links — we may earn a commission at no cost to you.
Compare all business loansDSCR (Debt Service Coverage Ratio) = Net Operating Income � Total Debt Service (principal + interest). It shows how many times your income can cover your debt payments. Banks require DSCR of 1.25�1.5x before approving business loans.
DSCR > 1.5 is excellent � banks will offer the best rates. DSCR 1.25�1.5 is acceptable for most lenders. DSCR 1.0�1.25 is risky � many banks will decline. DSCR < 1.0 means income insufficient to cover debt � loan rejection is almost certain.
Interest Coverage Ratio (ICR) only considers interest payments: ICR = EBIT � Interest. DSCR is stricter � it includes both principal and interest repayment. Banks use DSCR for term loans and ICR for working capital assessment.
(1) Increase operating income (revenue growth, cost reduction), (2) Reduce debt obligations (prepay existing loans), (3) Restructure loans to longer tenures (reduces annual principal), (4) Refinance at lower interest rates, (5) Add profitable revenue streams to boost NOI.
Calculate break-even point in units and revenue — find how many sales you need to cover fixed and variable costs.
Calculate gross, operating and net profit margins — or find the selling price needed for your desired margin.
Calculate working capital, current ratio and quick ratio to assess your business's short-term financial health.