📊 MPBF Working Capital Calculator

Calculate your Maximum Permissible Bank Finance using all RBI-approved methods. Get a banker-ready Credit Appraisal summary instantly — free, no signup.

Nayak / Turnover Method Tandon 1st Method Tandon 2nd Method Tandon 3rd Method NWC Adequacy Check Key Financial Ratios

🏢 Business Details

Business / Firm Name

Industry Type

Financial Year

Annual Net Sales / Turnover (₹)

Net of returns & discounts

Net Worth / Owned Funds (₹)

Paid-up capital + Free reserves

Existing Bank WC Limit (₹)

Current CC/OD sanctioned

Existing Bank WC Utilised (₹)

Current outstanding balance

📦 Current Assets (CA)

Inventory / Stock

Raw Material (₹)

Work in Progress (₹)

Finished Goods (₹)

Stores & Spares (₹)

Receivables

Sundry Debtors (₹)

Within credit period

Advance to Suppliers (₹)

Other Current Assets

Cash & Bank Balance (₹)

Other CA (₹)

Total Current Assets (A) ₹0

📋 Current Liabilities (CL) — Excluding Bank Borrowings

Sundry Creditors (₹)

Trade payables for goods

Advance from Customers (₹)

Statutory Dues (₹)

GST, TDS, PF, ESI payable

Other Current Liabilities (₹)

Unsecured Loans — Short Term (₹)

Loans from friends/family due within 1 yr

Current Portion of TL / Other (₹)

TL instalment due this year

Total Current Liabilities excl. Bank (B) ₹0

Credit Appraisal Summary

Recommended MPBF

—

Lower of Nayak & Tandon 2nd

Total Current Assets

—

Working Capital Gap

—

Net Working Capital

—

Current Ratio

—

Annual Turnover

—

All Four Methods — RBI Approved

📐 Key Financial Ratios — Banker's View

* Benchmarks are indicative. Actual bank norms vary by industry and lender.

📄 Credit Appraisal Memo — Working Capital

Want to maximise your CC/OD limit?

MPBF numbers sirf starting point hain. Sahi CMA data, financial structuring aur bank negotiation se hum higher limits dilwate hain — 10 saal ka anubhav, 100+ MSMEs ko fund kiya.

Free Consultation Book Karein →