INFORMATION

> Enter details in the data entry screen in cells marked with an arrow.
> This worksheet helps in calculating DSCR upto 15 years.
> The maximum life of an asset can be upto 25 years.
> This worksheet provides choice between method of Depreciation, Mode of Repayment & to choo
among the type of loan i.e Transporter Operator(TO) and any other (OTH) Term Loan.
> Use Principal Equally Distributed (PED) as mode of repayment in case of Commercial Financing.
> Remember that life of asset cannot be less than the repayment period.
> When you choose among the Loan type i.e either TO or OTH do remember to make the values ze
in the other type of loan. (this would not affect the calculation but would figure out in the print o
of DSCR Schedule)
> Print out of the DSCR schedule can be taken which shows all the information required and calcula
Gross DSCR as well. (there is no need for taking print out of Data entry sheet)

Note: This worksheet is prepared for avoiding the most common audit objection for not calculating DSCR for the entire Loa

Prepared By: Deepak Arora (PO 2009 Batch). Presently BM SBI Bahli (07793), H.P
Contact No 9816200444

payment & to choose

ercial Financing.

make the values zero

e out in the print out

equired and calculates

DSCR for the entire Loan period.

07793), H.P

BASIC INFORMATION
COST
LOAN AMOUNT
LIFE OF ASSET (in years)

540000
400000
10

Max 25 years

REPAYMENT
NO OF MONTHS
ROI (add %age sign)
MODE OF REPAYMENT
(select from drop down
1 for EMI and 2 for PED)

48
13.35%
2

DEPRECIATION
METHOD OF DEP
(select from drop down
1 for WDV and 2 for SLM)

TRANSPORT OPERATOR
(select from drop down
1 for TO and 2 for OTH)

Max 180 months

1 EMI
2 PED

Equated Monthly Instalment

Principal Equally distributed

1 WDV
2 SLM

Written Value method

Straight Line Method

1 TO
2 OTH

TRANSPORT OPERATOR
OTHERS

TRANSPORT OPERATOR

OR
OTHERS
Remember to make the values zero in the other type of loan. (this would not affect the calculation
but would figure out in the print out of DSCR Schedule)
No of days in operation
No of Kms/day
Rate/Km
Average/litre
Cost of diesel/litre
Taxes
Insurance
Maintenance
Salary
Drawings/Any other
expense

25
110
18
9
46
500
1250
2000
4000
4000

Income/Revenue
Other Income
Insurance Cost
Maintenance Cost
Running Cost
Any Other expenses

0
0
0
0
0
0

SCHEDULE OF DEPRECIATION

REPAYMENT SCHEDULE

WDV

Principal
EMI

SLM
54,000
48,600
43,740
39,366
35,429
31,886
28,698
25,828
23,245
20,921
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

54,000
54,000
54,000
54,000
54,000
54,000
54,000
54,000
54,000
54,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

i
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682
10,682

 10,682
10,682
10,682
10,682
10,682
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

SCHEDULE
PED
12,783
12,691
12,598
12,505
12,413
12,320
12,227
12,134
12,042
11,949
11,856
11,764
11,671
11,578
11,485
11,393
11,300
11,207
11,115
11,022
10,929
10,836
10,744
10,651
10,558
10,466
10,373
10,280
10,188
10,095
10,002
9,909
9,817
9,724
9,631
9,539
9,446
9,353
9,260
9,168
9,075
8,982
8,890

 8,797
8,704
8,611
8,519
8,426
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

TRANSPORT OPERATOR
No of days in operation
No of Kms/day
Rate/Km
Average/litre
Cost of diesel/litre
Taxes
Insurance
Maintenance
Salary
Drawings/Any other
expense

OTHERS
25
110
18
9
46
500
1250
2000
4000

Income/Revenue
Other Income
Insurance Cost
Maintenance Cost
Running Cost
Any Other expenses

0
0
0
0
0
0

4000

DSCR SCHEDULE
YEAR

GROSS DSCR

1ST MNTH
1ST
2ND
3RD
4TH
5TH
6TH
7TH
8TH
9TH
10TH
11TH
12TH
13TH
14TH
15TH

2.23

SURPLUS
14,744
183,052
201,802
220,012
237,736
0
0
0
0
0
0
0
0
0
0
0

CASH ACCRUAL
19,244
237,052
250,402
263,752
277,102
0
0
0
0
0
0
0
0
0
0
0

INTEREST
4,450
47,281
33,931
20,581
7,231
0
0
0
0
0
0
0
0
0
0
0

REPAYMENT
12,783
147,281
133,931
120,581
107,231
0
0
0
0
0
0
0
0
0
0
0

DSCR
1.85
1.93
2.12
2.36
2.65
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00