Meaning of DSPR for Loan

This query is : Resolved

Querist : Anonymous

Querist : Anonymous (Querist)

16 August 2010 Meaning of DSPR

bank is saying you have to maintain avg. 1.8 DSPR to take loan

what is DSPR Means ?

pls advice

Rahul Gupta

Rahul Gupta (Expert)
Follow

16 August 2010 According to my knowledge, it is DSCR which terms as
Debt Service Coverage Ratio.

The debt service coverage ratio (DSCR), is the ratio of cash available for debt servicing to interest, principal and lease payments. It is a popular benchmark used in the measurement of an entity's (person or corporation) ability to produce enough cash to cover its debt (including lease) payments. The higher this ratio is, the easier it is to obtain a loan. The phrase is also used in commercial banking and may be expressed as a minimum ratio that is acceptable to a lender; it may be a loan condition or covenant. Breaching a DSCR covenant can, in some circumstances, be an act of default.

Check out this link for more details >

http://en.wikipedia.org/wiki/Debt_service_coverage_ratio

Querist : Anonymous

Querist : Anonymous (Querist)

16 August 2010 PLS GIVE ME THE EXCEL FORMAT FOR PROJECTION REPORT
A, ANALYSIS OF BALANCE SHEET
B, FORM II OPERATION STATEMENT
C, FORM VI FUND FLOW STATEMENT
D, CALCULATION OF WORKING CAPITAL
E, CALCULATION OF PROPRIETOR CAPITAL A/C

Upgrade to CAclubindia Pro. Subscribe Now!

Querist : Anonymous

Querist : Anonymous (Querist)

Rahul Gupta

Rahul Gupta (Expert)
Follow

16 August 2010 Check the files section by searching for the "CMA report". You will find lots of material. some of tehm are >

https://www.caclubindia.com/share_files/cma-formate-9564.asp

https://www.caclubindia.com/share_files/project-finance-report-cma-sample-16403.asp

Querist : Anonymous

Querist : Anonymous (Querist)

17 August 2010 thank you very much for givig me reply,
but i want favour of yours to be very frank i need your help sir,
i am a readymade garments retail merchant.
i have given bank a simple format of projected Trading,P&L & Balance sheet but they ask to do in this above format.
i want your big response and co-operation to send me a file with filling one year information in format in my email ID
vikas123shinde@gmail.com
rameshkumar_bhat123@rediffmail.com

my Projected data is
Trading & P&L
Opening Stock 412590/-
Purchase A/c 1001820/-
Labour exp. 1000/-
Freight Exp. 3549/-
Other D.Exp. 5000/-

Sales A/c 1314401/-
Closing Stock 495108/-

Gross Profit 385550/-

Indirect Exp. 149650/-

Net Profit 235900/-

Projected Balance Sheet

Capital A/c op. 680458/-
Add. Profit 235900/-
Less Withdrawl 150000/-
Net Capital A/c 466358/-

Current Liabilites
Creditors 130732/-
Outstanding Accounting Charges 5000/-

Fixed Assets

Furniture (without Depr) 38900/-
Moterbike (without Depr) 47890/-

Current Assets
Projected Investments 50000/-
Sundry Debtors 179803/-
Closing stock 495108/-

Cash & bank Balance
Cash 40389/-
Bank 50000/-

thanks a lot for you useful & special help

if you are not able to send me a file. so , you can give me reply here if possible.

i really need your help sir.