Working Capital Eligibility Calculator

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.

Nayak Committee Method

Used by banks for working capital limits up to ₹5 Crore. Quick & simple — based on projected turnover.

Projected Annual Turnover ?
5.00 Cr

Most banks accept projected turnover with last 2 years' GST + ITR support

Margin from Borrower (%) ?
% Default 5%

Lower margin = more bank finance. We negotiate this aggressively.

Eligible Working Capital Limit
₹0
Maximum bank finance estimate
Total WC Requirement (25%)₹0
Your Margin Contribution₹0
⭐ Bank Finance (Eligible)₹0
✓ Turnover method is best for limits up to ₹5 Cr. Above ₹5 Cr — MPBF method applies.

Tandon Committee — Method II

Standard method for limits above ₹5 Cr. Based on actual balance sheet items.

Current Assets

Inventory (Raw + WIP + Finished)?
80 L
Sundry Debtors (Receivables)?
60 L
Other Current Assets?
20 L

Current Liabilities (excl. bank borrowings)

Sundry Creditors (Payables)?
30 L
Other Current Liabilities?
10 L
MPBF (Maximum Permissible Bank Finance)
₹0
Tandon Committee — Method II
Total Current Assets₹0
Total Current Liabilities₹0
Working Capital Gap₹0
Your Margin (25% of CA)₹0
⭐ MPBF (Eligible)₹0
✓ This is the standard method for working capital assessment above ₹5 Cr.

Capital & Leverage Health Check

Key ratios banks check before sanctioning. Pass these = better rates + higher limits.

Balance Sheet

Tangible Net Worth (TNW)?
50 L
Total Outside Liabilities (TOL)?
1.2 Cr

P&L Items

Net Profit After Tax (PAT)?
15 L
Depreciation?
5 L
Existing Loan Interest (Annual)?
6 L
Existing Loan Principal Repayment (Annual)?
8 L
Overall Financial Health
A
Excellent — banks will compete for you

TOL / TNW Ratio

0

Ideal: <3x

Debt / Equity

0

Ideal: <2x

DSCR

0

Ideal: >1.5x

Interest Coverage

0

Ideal: >2x

✓ Strong financial health — qualifies for prime lending rates.

⭐ Final Recommendation

Aapke business ke liye estimated working capital limit

₹0

Based on calculations above

Apply with TFFT — Get Actual Sanction →

Banks ka asli logic kya hai

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Turnover Method (Nayak)

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.

📋

MPBF (Tandon Method II)

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.

💼

Financial Health Ratios

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.

Calculation se khush ho? Ab real limit dilwa lo.

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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