BANKERS DESK

Practical tools
for the branch.

Free, no login. Calculators, checklists and worked explanations for the work bankers actually do — starting with drawing power. Your entries stay in your browser; nothing is uploaded.

Open the Drawing Power Lab What’s inside
✓ Free, no login✓ Every step explained✓ PDF, CSV and editable copies
THE TOOLS

Start with the
Drawing Power Lab.

Built for the credit desk and for the borrower
who has to prepare the statement.

TOOL 01 · CREDIT & WORKING CAPITAL

Drawing Power Lab

Calculate drawing power from stock and book debts with the margins, ageing and creditor treatment your sanction requires — then see every line of the working. Prepare a complete monthly stock and receivables statement, download it as a PDF or calculated CSV, keep an editable copy, and carry the quantities into next month.

  • Calculator with transparent workings
  • Customer workspace — five steps to a statement
  • Eleven concept lessons, searchable
  • Stock-statement format and checklist
  • Case lab — six loadable situations
  • Sources, assumptions and scope
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FOR BORROWERS

Preparing a statement for your branch?

Enter quantities, invoices and supplier balances; the workspace calculates the position, checks the declarations and prepares the PDF and the e-mail draft for your branch.

Open the customer workspace→
MORE TOOLS

What would help at your desk?

The desk grows with what bankers ask for. Tell us the calculation, checklist or format you keep rebuilding by hand.

Write to the SJA team↗
INSIDE THE LAB

Six views. One working.

Every number links to the explanation behind it.

CalculatorFacility terms, stock, unpaid purchases and book debts in ₹ lakh; the DP, usable ceiling, headroom or excess, live.
Customer workspaceBusiness details, sanction terms, stock quantities and rates, receivables after collections, supplier balances, declarations — in rupees.
Understand DPEleven short lessons: margins, why receivables differ, ageing, paid stock, creditors, valuation and more.
Stock statementA cover sheet, supporting schedules, a printable blank template and the checks before you submit.
Case labSix situations to explore, follow the reasoning and load into the calculator.
Sources & scopeNamed references, the two calculation methods, and a clear boundary around what the answer relies on.
GOOD TO KNOW

Before you rely on a number.

01

Your bank’s terms come first

Margins, the 90-day age limit, the ageing basis and the creditor treatment are inputs with sample defaults — not a universal RBI rule or any bank’s policy. Follow your sanction letter; a bank’s prescribed statement format may still be required.

02

Nothing leaves your browser

Entries stay in the tab — there is no login, no borrower database and no upload. Refreshing clears them, so save the editable copy before you close. Downloaded PDFs and copies contain the business details you entered; handle them as business documents.

03

A teaching model, not a decision

The lab illustrates configurable methods. It does not approve lending, verify asset values, certify end use or classify an account. SJA Learning is an independent study aid, not affiliated with any bank or institution named in its references.

THE NUMBER, AND THE WHY BEHIND IT.

Open the lab and
load an example.

Forty-five seconds to your first drawing-power working.

Open the Drawing Power Lab Start with the lessons ↗