INFORMATION

> Enter details in the data entry screen in cells marked with an arrow.> This worksheet helps in calculating DSCR upto 15 years.> The maximum life of an asset can be upto 25 years.> This worksheet provides choice between method of Depreciation, Mode of Repayment & to choose among the type of loan i.e Transporter Operator(TO) and any other (OTH) Term Loan.> Use Principal Equally Distributed (PED) as mode of repayment in case of Commercial Financing.> Remember that life of asset cannot be less than the repayment period.> When you choose among the Loan type i.e either TO or OTH do remember to make the values zero in the other type of loan. (this would not affect the calculation but would figure out in the print out of DSCR Schedule)> Print out of the DSCR schedule can be taken which shows all the information required and calculates Gross DSCR as well. (there is no need for taking print out of Data entry sheet)

Note: This worksheet is prepared for avoiding the most common audit objection for not calculating DSCR for the entire Loan period.

Prepared By: Deepak Arora (PO 2009 Batch). Presently BM SBI Bahli (07793), H.P Contact No 9816200444

BASIC INFORMATIONCOST 540000LOAN AMOUNT 400000LIFE OF ASSET (in years) 10 Max 25 years

REPAYMENTNO OF MONTHS 48 Max 180 monthsROI (add %age sign) 13.35%MODE OF REPAYMENT 2 1 EMI Equated Monthly Instalment(select from drop down 2 PED Principal Equally distributed 1 for EMI and 2 for PED)

DEPRECIATION 1 WDV Written Value methodMETHOD OF DEP 1 2 SLM Straight Line Method(select from drop down 1 for WDV and 2 for SLM)

TRANSPORT OPERATOR 1 1 TO TRANSPORT OPERATOR(select from drop down 2 OTH OTHERS 1 for TO and 2 for OTH)

TRANSPORT OPERATOR OR OTHERSRemember to make the values zero in the other type of loan. (this would not affect the calculationbut would figure out in the print out of DSCR Schedule)

No of days in operation 25 Income/RevenueNo of Kms/day 110 Other IncomeRate/Km 18 Insurance CostAverage/litre 9 Maintenance CostCost of diesel/litre 46 Running CostTaxes 500 Any Other expensesInsurance 1250Maintenance 2000Salary 4000

4000Drawings/Any other expense

SCHEDULE OF DEPRECIATION REPAYMENT SCHEDULEWDV SLM PrincipalEMI i

### ₹ 54,000 ₹ 54,000 ### ₹ 10,682 ###### ₹ 48,600 ₹ 54,000 ### ₹ 10,682 ###### ₹ 43,740 ₹ 54,000 ### ₹ 10,682 ###### ₹ 39,366 ₹ 54,000 ### ₹ 10,682 ###### ₹ 35,429 ₹ 54,000 ### ₹ 10,682 ###### ₹ 31,886 ₹ 54,000 ### ₹ 10,682 ###### ₹ 28,698 ₹ 54,000 ### ₹ 10,682 ###### ₹ 25,828 ₹ 54,000 ### ₹ 10,682 ###### ₹ 23,245 ₹ 54,000 ### ₹ 10,682 ###### ₹ 20,921 ₹ 54,000 ### ₹ 10,682 ###### ₹ 0 ₹ 0 ### ₹ 10,682 ###### ₹ 0 ₹ 0 ### ₹ 10,682 ###### ₹ 0 ₹ 0 ### ₹ 10,682 ###### ₹ 0 ₹ 0 ### ₹ 10,682 ###### ₹ 0 ₹ 0 ### ₹ 10,682 ###### ₹ 0 ₹ 0 ### ₹ 10,682 ###### ₹ 0 ₹ 0 ### ₹ 10,682 ###### ₹ 0 ₹ 0 ### ₹ 10,682 ###### ₹ 0 ₹ 0 ### ₹ 10,682 ###### ₹ 0 ₹ 0 ### ₹ 10,682 ###### ₹ 0 ₹ 0 ### ₹ 10,682 ###### ₹ 0 ₹ 0 ### ₹ 10,682 ###

0### ₹ 0 ₹ 0 ### ₹ 10,682 ###0### ₹ 0 ₹ 0 ### ₹ 10,682 ###0### ₹ 0 ₹ 0 ### ₹ 10,682 ###0 ### ₹ 10,682 ###0 ### ₹ 10,682 ###0 ### ₹ 10,682 ###

### ₹ 10,682 ###### ₹ 10,682 ###### ₹ 10,682 ###

### ₹ 10,682 ###### ₹ 10,682 ###### ₹ 10,682 ###### ₹ 10,682 ###### ₹ 10,682 ###### ₹ 10,682 ###### ₹ 10,682 ###### ₹ 10,682 ###### ₹ 10,682 ###### ₹ 10,682 ###### ₹ 10,682 ###

### ₹ 10,682 ###### ₹ 10,682 ###### ₹ 10,682 ###### ₹ 10,682 ###### ₹ 10,682 ###### ₹ 10,682 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###

### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###

### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###

### ₹ 0 ###### ₹ 0 ###### ₹ 0 ###

REPAYMENT SCHEDULEPED

₹ 12,783₹ 12,691₹ 12,598₹ 12,505₹ 12,413₹ 12,320₹ 12,227₹ 12,134₹ 12,042₹ 11,949₹ 11,856₹ 11,764₹ 11,671₹ 11,578₹ 11,485₹ 11,393₹ 11,300₹ 11,207₹ 11,115₹ 11,022₹ 10,929₹ 10,836₹ 10,744₹ 10,651₹ 10,558₹ 10,466₹ 10,373₹ 10,280₹ 10,188₹ 10,095₹ 10,002

₹ 9,909₹ 9,817₹ 9,724₹ 9,631₹ 9,539₹ 9,446₹ 9,353₹ 9,260₹ 9,168₹ 9,075₹ 8,982

₹ 8,890₹ 8,797₹ 8,704₹ 8,611₹ 8,519₹ 8,426

₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0

₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0

₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0₹ 0

₹ 0₹ 0₹ 0

TRANSPORT OPERATOR OTHERS

No of days in operation 25 Income/Revenue 0No of Kms/day 110 Other Income 0Rate/Km 18 Insurance Cost 0Average/litre 9 Maintenance Cost 0Cost of diesel/litre 46 Running Cost 0Taxes 500 Any Other expenses 0Insurance 1250Maintenance 2000Salary 4000

4000

DSCR SCHEDULESURPLUS CASH ACCRUAL INTEREST REPAYMENT DSCR

1ST MNTH ₹ 14,744 ₹ 19,244 ₹ 4,450 ₹ 12,783 1.85YEAR 1ST ₹ 183,052 ₹ 237,052 ₹ 47,281 ₹ 147,281 1.93

2ND ₹ 201,802 ₹ 250,402 ₹ 33,931 ₹ 133,931 2.123RD ₹ 220,012 ₹ 263,752 ₹ 20,581 ₹ 120,581 2.364TH ₹ 237,736 ₹ 277,102 ₹ 7,231 ₹ 107,231 2.655TH ₹ 0 ₹ 0 ₹ 0 ₹ 0 0.006TH ₹ 0 ₹ 0 ₹ 0 ₹ 0 0.007TH ₹ 0 ₹ 0 ₹ 0 ₹ 0 0.008TH ₹ 0 ₹ 0 ₹ 0 ₹ 0 0.009TH ₹ 0 ₹ 0 ₹ 0 ₹ 0 0.00

10TH ₹ 0 ₹ 0 ₹ 0 ₹ 0 0.0011TH ₹ 0 ₹ 0 ₹ 0 ₹ 0 0.0012TH ₹ 0 ₹ 0 ₹ 0 ₹ 0 0.0013TH ₹ 0 ₹ 0 ₹ 0 ₹ 0 0.0014TH ₹ 0 ₹ 0 ₹ 0 ₹ 0 0.0015TH ₹ 0 ₹ 0 ₹ 0 ₹ 0 0.00

GROSS DSCR 2.23

Drawings/Any other expense