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Debt Service Coverage Ratio — the metric Indian banks use to underwrite SME and commercial loans.
EBITDA-equivalent: revenue − operating costs, before interest, tax, depreciation.
Principal you're applying for.
Annual rate from the lender.
Sum of yearly EMI payments on loans you already have. Set to 0 if none.
DSCR
Strong (≥ 1.5)1.51×
NOI ₹50.00 L covers debt service of ₹33.06 L.
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