Calculators

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DSCR Calculator

Debt Service Coverage Ratio

Net profit after tax (Tk)Annual; can be negativeDepreciation & amortisation (Tk)Interest expense (Tk)Annual interest on all borrowingsOther non-cash expenses (Tk)OptionalPrincipal repayment due (Tk)Next 12 months, all lenders

›Formula & assumptions

DSCR = (Net profit after tax + Depreciation + Interest expense + Other non-cash) ÷ (Principal repayment + Interest expense).

Indicative bands: ≥ 1.25 comfortable, 1.00–1.24 marginal, < 1.00 weak. Your bank's Credit Risk Management policy sets the actual threshold.

Formula version: dscr-1.0

Result

DSCR

1.33x — Comfortable

Cash available for debt service

Tk 24,00,000.00

Total debt service

Tk 18,00,000.00