Calculator - TaxGlobe

Borrower & Loan Inputs

Case / Borrower Name

Loan Amount (₹)

Annual Interest Rate (%)

Loan Tenure (Months)

Principal Moratorium (Months)

Interest Shock (percentage points)

EBITDA (Annual ₹)

Cash Taxes (Annual ₹)

Maintenance Capex (Annual ₹)

Working Capital Increase (Annual ₹)

EBITDA Stress (%)

Minimum DSCR Benchmark

Assumption: moratorium period is interest-only; the principal is amortised over the remaining tenure. CFADS = EBITDA − Cash Taxes − Maintenance Capex − Increase in Working Capital. Annual CFADS is spread equally over 12 months.

Saved Cases & Backup

Saved borrower cases

Credit Assessment Summary

EMI—

Monthly CFADS—

Minimum DSCR—

Average DSCR—

Professional Indicators

Calculate the appraisal to view indicators.

Scenario Comparison

Scenario	Rate	EBITDA	Min DSCR	Avg DSCR	Assessment

Monthly Reducing-Balance Repayment Schedule

Month	Opening Balance	Interest	Principal	Instalment	Closing Balance	CFADS	DSCR