Banks use 3 methods to assess your CC/OD limit eligibility. Yeh tool teen-on tarike use karta hai — Turnover Method, MPBF, aur Financial Health — taaki aapko pata chale exactly kitna limit milna chahiye.
Used by banks for working capital limits up to ₹5 Crore. Quick & simple — based on projected turnover.
Most banks accept projected turnover with last 2 years' GST + ITR support
Lower margin = more bank finance. We negotiate this aggressively.
Standard method for limits above ₹5 Cr. Based on actual balance sheet items.
Current Assets
Current Liabilities (excl. bank borrowings)
Key ratios banks check before sanctioning. Pass these = better rates + higher limits.
Balance Sheet
P&L Items
TOL / TNW Ratio
0
Ideal: <3x
Debt / Equity
0
Ideal: <2x
DSCR
0
Ideal: >1.5x
Interest Coverage
0
Ideal: >2x
⭐ Final Recommendation
₹0
Based on calculations above
Apply with TFFT — Get Actual Sanction →For limits up to ₹5 Cr. Bank assumes you need 25% of turnover as working capital. They fund 20%, you bring 5% margin. Simple, fast, used for most small-medium MSMEs.
For limits above ₹5 Cr. Based on actual balance sheet: Current Assets minus Current Liabilities. You contribute 25% margin from your own capital. More rigorous, harder to game.
Even if eligible by method, banks check your TOL/TNW (<3x), DSCR (>1.5x), Current Ratio (>1.33). Weak ratios = lower limit or rejection. Strong = better rate & faster sanction.
Yeh calculator estimate hai. Actual sanctioned limit depends on lender, your case presentation, and negotiation. Free consultation karein — exact figure pata chal jayega.
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