Quick Summary: MSME Loan Eligibility (DSCR)

Debt Service Coverage Ratio (DSCR) is a key financial metric used by banks to assess the creditworthiness of an MSME. A DSCR > 1.25x generally indicates that the business generates sufficient cash flow to comfortably cover its interest and principal repayments. This tool helps you calculate your DSCR based on your P&L and existing debt.

How to use the MSME Loan Eligibility (DSCR)

  1. Input Net Operating Income

    Enter your EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization).

  2. Enter Annual Debt Obligation

    Input the total amount of principal and interest payments due in the year.

  3. Calculate DSCR

    Review your ratio against the industry benchmark of 1.25x to 1.50x.

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Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.