CreditWiseConfident Decisions
WC Assessment Engine
Automate Maximum Permissible Bank Finance (MPBF) calculations and turnover methods. Simulate and audit working capital requirements based on 2026 forensic credit standards.
MPBF & Turnover Methodology
Working Capital assessment follows three primary paths: **Nayak Committee** (Turnover method) for smaller units, and **MPBF Method I & II** for larger manufacturing enterprises. Method II is the 2026 forensic standard, requiring a higher Net Working Capital (NWC) contribution (25% of Total Current Assets) and a minimum Current Ratio of **1.33**.
RECOMMENDED
COMMITTED LIMIT
₹0.00 Cr
Based on methodology. This limit ensures a balanced current ratio and NWC contribution.
Inventory Holding
0 Days
Benchmark: < 120 Days
Receivables Period
0 Days
Benchmark: < 90 Days
Assessment Inputs
Turnover
₹
Current Assets
Liabilities & Margin
Comparative Sensitivity Analysis
| Assessment Method | Calculation Basis | Limit Value (Cr) |
|---|---|---|
| Nayak Committee (Turnover) | 20% of Projected Sales | ₹0.00 |
| MPBF Method I | 75% of (CA - OCL) | ₹0.00 |
| MPBF Method II (Latest) | (75% of CA) - OCL | ₹0.00 |