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.
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.
Collateral Utilization (Gross vs Net)
Collateral Parameters
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 |
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