CreditWiseConfident Decisions
DP & Margin Simulator
Optimize sanctioned limit utilization. Simulate how inventory variations, debtor aging, and banker's margins impact available Drawing Power (DP) under 2026 forensic rules.
For Credit Officers For Risk Auditors For Branch Managers
The Paid-Stock Principle
Drawing Power (DP) is strictly restricted to **Paid Inventory**. In 2026 forensic auditing, the "Gross Stock" figure is deducted by **Sundry Creditors** before any margins are applied. Any stock financed via trade credit is ineligible for further bank funding, ensuring no over-leverage on the same collateral.
Total Available Drawing Power
₹0.00 Cr
Funding Yield: 0.0%
Collateral Utilization (Gross vs Net)
DP0 Cr
Collateral Parameters
Inventory Stock
25%
25%
50% MARGIN
Receivables & Creditors
40% MARGIN
Deducted in full from eligible stock per Banker's Audit norms.
Audit Breakdown Matrix
| Collateral Category | Gross Value (Cr) | Banker's Margin (%) | Eligible Net DP (Cr) |
|---|---|---|---|
| Raw Materials Stock | ₹100.00 | 25% | ₹75.00 |
| Work-in-Progress (WIP) | ₹50.00 | 50% | ₹25.00 |
| Finished Goods (Paid/Unpaid) | ₹80.00 | 25% | ₹60.00 |
| Sub-Total: (Eligible Stock) | ₹0.00 | - | ₹160.00 |
| Less: Creditors for Purchases | - ₹60.00 | - | - ₹60.00 |
| Book Debtors (Net of Margin) | ₹120.00 | 40% | ₹0.00 |
| TOTAL DRAWING POWER (Available Limit) | - | - | ₹0.00 Cr |