CreditBriefAdd your pay

Term loan DSCR workbook

Five years of DSCR, base and stressed, on open formulas. Change the inputs and see which year breaks.

What's inside

  • New loan schedule, with moratorium and repayment years
  • PAT to cash available, with one-off income removed
  • DSCR by year, plus lowest and average
  • A stress test on sales and margin

Works in Excel and Google Sheets. Use made-up or anonymised figures only. Formats differ by institution, so check yours. Indicative only. Verify against your institution's policy.

What we collect: your email, role, type of employer and city.

Why: to give you this template, to send the weekly This Week in Credit email, and to understand which roles read us. We do not sell your data.

Your choices: use the privacy page to withdraw consent, or to access, correct or erase your data. You can also complain to the Data Protection Board of India.