CreditWiseConfident Decisions

Financial Ratio Analysis Engine

Evaluate liquidity, solvency, leverage, and profitability ratios against institutional banking benchmarks with automated pass/caution audit indicators.

Ratio Analysis Designer

Step 1 of 4
1
Entity Profile
2
Financial Inputs
3
Ratio Computation
4
Audit Hub & Export

Step 1: Entity Profile & Reporting Period

Configure borrower entity details and reporting period unit.

2026 Compliance

RBI Working Capital guidelines require a minimum Current Ratio of 1.33x for fund-based working capital limits.

  • Ensures borrower has adequate net working capital to support operations.
  • Deviations must be approved by the Lead Bank's Sanction Committee.
Appraisal Takeaways

DSCR should hover between 1.50x and 2.00x for project term debt servicing.

TOL/TNW > 3.00x is considered high risk and requires supplementary collateral.

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