Ratio "What-If" Stress Simulator - Accounting Scenario Testing

About this Diagnostic Tool

Purpose: Experiment with accounting choices to see how they impact your bankable ratios. Based on real-world Case Studies where "Window Dressing" or "Tax Planning" triggered credit reassessments and covenant breaches.

Excel Template Data Import

Download our structured sheet template, fill your client metrics offline, and upload here to pre-populate instantly.

1. Base Financials

Current Assets (₹ Lakhs)

Current Liabilities (₹ Lakhs)

Long Term Liabilities (₹ Lakhs)

Tangible Net Worth (₹ Lakhs)

Net Sales (₹ Lakhs)

Reported Net Profit (₹ Lakhs)

Interest Expense (₹ Lakhs)

2. Stress Scenarios

Capitalize Expense? (₹ Lacs)

Move expense to Fixed Asset₹0

Increases Profit & Net Worth.

Inventory Audit Loss? (₹ Lacs)

Discard non-moving stock₹0

Decreases Liquidity & Net Worth.

Debt Reclassification? (₹ Lacs)

Move LT to Current Liability₹0

Revenue Deferral? (₹ Lacs)

Conservative Income policy₹0

3. Impact Matrix

Current Ratio 1.43

Base: 1.43Min Req: 1.33

Debt-Equity (TOL/TNW) 0.67

Base: 0.67Max Cap: 2.00

Interest Coverage (ICR) 3.00x

Base: 3.00xMin Req: 2.00x

Net Profit Margin (%)10.0%

Base: 10.0%

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