DSCR Calculator

Debt Service Coverage Ratio Calculator

Evaluate your business's ability to service its debt. Calculate your DSCR instantly and understand your loan repayment capacity. Essential for business loans, real estate investments, and financial planning.

Enter Financial Details

Calculate your Debt Service Coverage Ratio

Net Operating Income (NOI)

₹

Annual net operating income after operating expenses

Total Debt Service

₹

Annual principal and interest payments on all debts

Other Income (Optional)

₹

Additional income like rental, investment, etc.

Operating Expenses (Optional)

₹

Annual operating expenses (if not included in NOI)

Gross Income (Optional)

₹

Total gross income before expenses

Target DSCR

Minimum DSCR required by lender (typically 1.25x - 2.0x)

Your DSCR Calculation Results

Fill in your financial details and click "Calculate DSCR" to see your debt service coverage ratio and analysis.

DSCR Ratio Analysis Maximum Loan Capacity Financial Health Assessment

What is DSCR?

Debt Service Coverage Ratio
Measures debt repayment capacity
DSCR = NOI / Total Debt Service
Higher ratio = Lower risk

Lenders typically require DSCR of 1.25x or higher for business loans.

DSCR Interpretation

< 1.0xHigh Risk
1.0x – 1.25xModerate Risk
1.25x – 1.5xAcceptable
1.5x – 2.0xGood
> 2.0xExcellent

Higher DSCR indicates stronger ability to service debt.