A clearer view of
drawing power.
Check the eligible assets, see the working and understand what the borrower can actually draw.
Set the facility terms
Start with the sanctioned assumptions.
Ageing and calculation method Check your sanction terms
The default 90-day invoice limit is a sample, not a universal RBI rule. A different method can change the answer.
Review the stock
Values after valuation adjustments · all amounts in ₹ lakh
| Item / lot | Value · ₹ lakh | Eligibility | Remove |
|---|
Paid stock can be funded by the bank or the borrower. “Paid” refers to settlement of the supplier’s liability.
Account for unpaid purchases
Identify procurement finance already supporting the assets.
Map deductions to your policy. Do not count an unpaid amount twice, or treat every balance-sheet creditor as an inventory supplier.
Check the book debts
Net unpaid customer balances · all amounts in ₹ lakh
Swipe the schedule to see dates and eligibility.
| Customer / invoice | Invoice date | Due date | Value · ₹ lakh | Assessment | Remove |
|---|
Old, disputed and already financed amounts are reviewed item by item. Multiple exclusion reasons never deduct the same invoice twice.
Understand every part.
Short explanations, familiar situations and numbers you can follow.
A statement that explains itself.
A practical cover sheet, supporting schedules and the checks behind them.
Cover details for your report
Optional. Entries stay in this tab and appear in your exports.
Make the numbers mean something.
Explore a situation, follow the reasoning and load it into the calculator.
Know what the answer relies on.
Transparent methods, named references and a clear boundary around the result.
What this version calculates
A single-facility stock-plus-trade-receivables teaching model. It calculates an asset-backed amount, caps the usable ceiling at the entered sanction and compares that ceiling with debit outstanding.
Paid stock first
Eligible stock less declared procurement deductions, floored at zero; then apply the stock margin. Add eligible debt finance.
Margin first
Apply the stock margin to eligible stock, deduct procurement funding, floor at zero, then add eligible debt finance.
Margins, age limits, ageing basis and deductions are inputs. Neither method is presented as the policy of every bank. Consortium allocation, specialised facilities, other security and additional sanction conditions may require another model.
The app does not verify the truth of asset values, approve withdrawals, certify end use or classify an account as NPA. Amounts are calculated in paise; financing for each asset category is rounded to the nearest paise.