Free tool · CMA ratio checker
Will your ratios pass the bank's first look?
The three ratios most banks check first in a CMA. Runs in your browser — nothing you type is sent to us.
Current ratio (bank benchmark typically ≥ 1.33)1.50
TOL / TNW (typically ≤ 3)2.50
DSCR (typically ≥ 1.5 on average, 1.25 minimum)1.63
All three are within the ranges banks commonly look for. Your bank applies its own policy.
Benchmarks are the ranges Indian banks commonly use (current ratio 1.33 under the second method of lending); each bank sets its own. DSCR here = (PAT + depreciation + term-loan interest) ÷ (term-loan interest + principal).
Calculations run in your browser — nothing you type is sent to us. Results are indicative, not advice.
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