Thanks a lot. for beautifully explaining the concept of calculation of DSCR, especially as to why we add back Depreciation, Tax and Interest. Here I need one small clarification. The interest added is whether interest on the Term Loans alone, or the whole interest on borrowings charged to the firm.
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Sir if holiday period is 15 months then for 1st year can we take only interest amount and principle amount as zero.. Or we should start calculation with term loan repayment period? Kindly suggest
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For DSCR Computation, take long term loans with repayment schedules. There will be unsecured loans from promoters not repayable immediately. They need not be taken.
"Thank you very much Arun kumar If you wish to get my Financial Video lectures daily direct in your "WhatsApp", then watsapp me "RUclips LECTURES" to +917736022001. Also do not forget to check out the complete course on this topic - ADVANCED FINANCIAL MANAGEMENT - www.instamojo.com/caraja/banking-credit-analysis-process/?discount=ytbcap6 - All my courses are available in my web www.carajaclasses.com "
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Good afternoon! congratulations for this video, it is a good material! I have a question. why do you use the average balance to calculate the int. @ 10% instead use the opening balance? thank you very much!
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Sir Very very thank you for your lectures I am watching all lectures available on RUclips . I want to master in Balance sheet please suggest me. I am science background working as field officer.
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Hello sir, I have one doubt with regard to DSCR... In balance sheet while classifying Current Maturities of Term Loan, please clarify that whether the current maturities of Term loan pertains to that particular FY or the next FY... Let us assume that Rs. 100/- is classified under current maturities of term loan in the ABS of FY 2015-16, please advise that whether the same has to be reckoned during the FY 2015-16 for the purpose of calculating the DSCR or the same has to be considered for the FY 2016-17 for the purpose of DSCR... Regards, Pawan...
Pawan kumar in 2015-16 it is shown as current liability - that too as on 31-3-2016 - it means payable within 1 year - so obviously payable in 2016-17. Hence counted in 2016-17 DSCR calculations
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Thanks a lot. for beautifully explaining the concept of calculation of DSCR, especially as to why we add back Depreciation, Tax and Interest. Here I need one small clarification. The interest added is whether interest on the Term Loans alone, or the whole interest on borrowings charged to the firm.
Natarajan Dandapani interest on term loan only
"Thank you very much Natarajan..... If you wish to get my Financial Video lectures daily direct in your "WhatsApp", then watsapp me "RUclips LECTURES" through this link wa.me/917736022001 . Do not forget to check out the complete course on this topic - BANKING CREDIT ANALYSIS PROCESS - www.instamojo.com/caraja/banking-credit-analysis-process/?discount=ytbcap6 - All my courses are available in my web www.carajaclasses.com”
Skillful and Deep explanation.. I strongly recommend CA raja Classes course who wants to learn project financing.
Sir....... TQ for the vdO.... it's so in a very simplified way... 🙏
Fantastic teaching ...!
Thank You sir...!
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I wish to give you access to our Online Course
“Must Know Financial Videos”- Its a compilation of several hundreds of my video lectures.
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Justt wooowwww i m ca final year student nd ur presentation s awesome sir
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"Never stop learning, because life never stops teaching"
Wonderful amazing and comprehensive method.
I am glad that you like my lectures. Check out various free courses I have published on the related topics from this link:
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Sir if holiday period is 15 months then for 1st year can we take only interest amount and principle amount as zero.. Or we should start calculation with term loan repayment period? Kindly suggest
Hi
I am working in banking sector and I would like to join the class for ratio analysis..which class suitable for me...kindly advise...
Sir, Why is the average balance calculated in the interest computation sheet while making calculation of the interest amount?
It will give u approximate amount
Wow bossman. My sbi alumini 👍
Debt equity ratio,break even point, saparate cls maadi
What if NPAT is negative.
Will it be deducted from source
I will like to learn more from you
Superb sir vaazhga valamudan
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Is retained profit the COGS and expenses - Sales = Net / Less repayment = dscr?
Sir whether interest on working capital is required to be consider for the calculation of DSCR
ruclips.net/video/6pPanKRZ_hs/видео.html
Watch this
Hi sir, awesome explain regarding dscr calculation but I have a doubt, why interest on TL is calculated in bscr and what is logic sir
It’s basically to know profit earned before paying interest
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Taught very well
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Looking in to balance sheet, do I have to take all debt? Or just the long term? Do inhave the principal paid annually or total?
For DSCR Computation, take long term loans with repayment schedules. There will be unsecured loans from promoters not repayable immediately. They need not be taken.
Awesome Sir
"Thank you very much Arun kumar If you wish to get my Financial Video lectures daily direct in your "WhatsApp", then watsapp me "RUclips LECTURES" to +917736022001. Also do not forget to check out the complete course on this topic - ADVANCED FINANCIAL MANAGEMENT - www.instamojo.com/caraja/banking-credit-analysis-process/?discount=ytbcap6 - All my courses are available in my web www.carajaclasses.com "
explained very well ,sir i would like know more regarding the classes can u pls guide me
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Clearly understandable 😁
Good afternoon! congratulations for this video, it is a good material! I have a question. why do you use the average balance to calculate the int. @ 10% instead use the opening balance? thank you very much!
I am glad that you liked my lectures.
You can also Whatsapp me through this link for any queries - or simple text LECTURES to subscribe to our Whatsapp Lectures
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Do check BANKING CREDIT ANALYSIS PROCESS
carajaclasses.com/BCAP.html for comprehensive lectures.
Check out our other courses from website
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"Never stop learning, because life never stops teaching"
I believe that is just to calculate the interest on a weighted average basis for 12 months
hello sir , my doubt about Depreciation . is it depreciation will be same in every year ? coz its decreasing . please clear my doubt
prajakta pende depreciation Will be constant if straight line method followed, it will be decreasing if written down value method followed
Is DSCR should be certified by auditor for Loan purpose?
Not necessary- it’s an estimation only
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@@carajaclasses Ok. Thank you sir.
Sir Very very thank you for your lectures I am watching all lectures available on RUclips . I want to master in Balance sheet please suggest me. I am science background working as field officer.
I am glad that you liked my lectures.
You can also Whatsapp me through this link for any queries - or simple text LECTURES to subscribe to our Whatsapp Lectures
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carajaclasses.com/BCAP.html for comprehensive lectures.
Check out our other courses from website
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"Never stop learning, because life never stops teaching"
Sir can you please provide us this excel file so that it will be more easy to learn this topic
Hi there, what if the principal repayment is not the same for the 5 years?
You have to build repayment schedule in DSCR Computation. It is not necessary it should be same all the years.
Sir, why aren't we adding sales to compute total source?
The loan is serviced from retained profit. Not from total sales. Only after maintenence of the workforce and machinery can the m/s service it's loan.
Hello sir,
I have one doubt with regard to DSCR...
In balance sheet while classifying Current Maturities of Term Loan, please clarify that whether the current maturities of Term loan pertains to that particular FY or the next FY... Let us assume that Rs. 100/- is classified under current maturities of term loan in the ABS of FY 2015-16, please advise that whether the same has to be reckoned during the FY 2015-16 for the purpose of calculating the DSCR or the same has to be considered for the FY 2016-17 for the purpose of DSCR...
Regards,
Pawan...
Pawan kumar 2016-17
CA N Raja Natarajan Sir can I know the reason specifically?
Pawan kumar in 2015-16 it is shown as current liability - that too as on 31-3-2016 - it means payable within 1 year - so obviously payable in 2016-17. Hence counted in 2016-17 DSCR calculations
Dear Sir can you upload the excel link
can someone share that excel
Thanks a lot sir
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"Never stop learning, because life never stops teaching"
DSCR in simple terms is CADS/DSO
Sir tq
Ty sir
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