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Advanced RM Calculator Suite
Net Worth & Liquidity Analyzer
Business Financial Health Scorecard
NPA Probability Estimator
EMI Calculator with Repayment Schedule
📘 Financial Metrics Guide & Full Forms
This section explains key financial terms used across the RM tools — what they mean, where to find them, and how to interpret the results.
| Term | Full Form | Where Found | What It Tells You |
|---|---|---|---|
| EMI | Equated Monthly Installment | Loan Proposal / Sanction Sheet | Monthly loan repayment obligation |
| FOIR | Fixed Obligation to Income Ratio | Based on self-declared income & EMI | Shows % of income already committed to loans. Ideal < 50% |
| DSCR | Debt Service Coverage Ratio | P&L and Interest Details | Cash available to repay debt. Ideal ≥ 1.2 |
| TOL/TNW | Total Outside Liabilities / Tangible Net Worth | Balance Sheet | Leverage indicator. Ideal < 2.0 |
| EBITDA | Earnings Before Interest, Taxes, Depreciation, Amortization | P&L Statement | Core business profitability before non-operating items |
| ROCE | Return on Capital Employed | Derived from Operating Profit / Capital Employed | Efficiency in using capital. Ideal > 15% |
| NPA | Non-Performing Asset | Loan Recovery & Risk Monitoring | Loan that has defaulted beyond 90 days |
Use this guide to support your financial analysis and documentation with clients. Combine these ratios for holistic decision making.
📘 Glossary & Interpretation Guide
This section helps RMs understand the meaning of key financial ratios and indicators used across the tools above.
| Term | Full Form | Meaning | Found In | Good Value Suggests |
|---|---|---|---|---|
| FOIR | Fixed Obligation to Income Ratio | % of income committed to fixed obligations | Loan Assessment / NPA Tool | Low debt burden |
| DSCR | Debt Service Coverage Ratio | Ability to repay debt from profit | Loan Assessment / Scorecard | Healthy loan servicing capacity |
| TOL/TNW | Total Outside Liabilities / Tangible Net Worth | Debt pressure on personal/business equity | Loan Assessment Tool | Strong financial cushion |
| EBITDA | Earnings Before Interest, Taxes, Depreciation & Amortization | Operational profitability | Scorecard / P&L Tool | High efficiency in operations |
| ROCE | Return on Capital Employed | Earnings over capital deployed | Scorecard Tool | Good capital utilization |
| Current Ratio | — | Short-term liquidity position | Net Worth / Balance Sheet Tool | Adequate working capital |
| Asset Turnover | — | Sales efficiency per rupee of assets | Balance Sheet Tool | Efficient asset utilization |
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