DSCR (Debt Service Coverage Ratio) - Explained in Hindi | #40 Master Investor

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  • เผยแพร่เมื่อ 11 ม.ค. 2025

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  • @AssetYogi
    @AssetYogi  ปีที่แล้ว +2

    Sign-up to our new app for discounts and early access:
    ✔ assetyogi.com/sign-up/

  • @voiceofislam50
    @voiceofislam50 6 ปีที่แล้ว +26

    Debtor Turnover ratio
    Inventory Turnover Ratio
    Creditor Turnover ratio
    Cash Flow Debt Service Ratio
    Fixed Asset Turnover Ratio
    Working Capital Turnover Ratio
    Payable Turnover Ratio
    Capital Employed Turnover Ratio
    Return On total Recources
    Expnse Ratio
    Please Sir make the video on these topics your are best finance teacher i m wating for your consideration as well video
    Thanks

    • @okay4192
      @okay4192 ปีที่แล้ว

      Watch my videos, I will make them in the year of 2025 .

  • @vishwadeepak48
    @vishwadeepak48 ปีที่แล้ว +4

    आप का काम सराहनीय है । बहुत अच्छी सिरीज़ बनायी है आपने। ईश्वर आप पर सदैव सुखों की वर्षा करे। 👍

  • @aek12
    @aek12 4 ปีที่แล้ว +8

    This is one of the good Indian channels. Proud of you sir for creating such content. You are very good teacher for Indian people sir. Please don't stop what you are doing sir.

    • @AssetYogi
      @AssetYogi  4 ปีที่แล้ว +1

      Keep supporting 😊

  • @rahulshah2486
    @rahulshah2486 3 หลายเดือนก่อน +1

    Bhai u r too good. I hvnt learnt so much even in expensive paid classes

  • @bijenderchauhan2948
    @bijenderchauhan2948 4 ปีที่แล้ว +1

    Heartiest gratitude to you Sir. While many professional charges huge amount for this kind of services . You have give it free. Please continue this.

  • @TheBaljeet123
    @TheBaljeet123 4 ปีที่แล้ว +11

    it was tough to understand this video, but After watching 2-3 times all points cleared.

  • @property_tommorow9918
    @property_tommorow9918 4 ปีที่แล้ว +1

    Your and very few others videos are the best way non finance person can learn. Books don't make sense.Also it's good quality provided free. 2 questions -
    A. In dscr u say tax should not be added and modified the formula. So can I modify icr to pat + interest whole divide by interest
    B. In dscr u said we have to find it company can easily pay principal for year and interest for year and explained it as 12 * EMI. But in Tata steel example u took total borrowings NOT borrowings payable per year. Thus contradicts.
    C. U took cash flow from financing activities as opposed to cash flow from investing activities. Could u mention types of financing activities and types of investing activities.
    Thanks in advance.

  • @aayushpandey8834
    @aayushpandey8834 6 ปีที่แล้ว +11

    Sir, your way of explanation is really very great... Keep it up

  • @MrMadhirag
    @MrMadhirag 6 ปีที่แล้ว +6

    Great presentation sir. Thanks for giving this knowledge. You videos are very useful for doing fundamental analysis especially for beginners like me. They are simple and clear. I have improved my stock selection process through this knowledge. DSCR seems to be better indicator to know health of company. Please make videos for such important but less talked about indicators. God bless you.

    • @AssetYogi
      @AssetYogi  6 ปีที่แล้ว

      Glad that you found it helpful

    • @apratimbasu6578
      @apratimbasu6578 4 ปีที่แล้ว

      Sir your videos are excellent
      The way you represent the topics in simple and clear terms with simple examples is extremely appreciable with great efforts from your end.Keep it up Sir and do post some more videos on finance it will be of great help to us

  • @mayankmanchanda5366
    @mayankmanchanda5366 ปีที่แล้ว

    Aapki videos se bahut kuch sikhne ko mila hai really. Thank you so much 🙏

  • @rishrana2118
    @rishrana2118 4 ปีที่แล้ว +1

    The way you took real company example was 🔥🔥🔥

  • @rakshay9821
    @rakshay9821 ปีที่แล้ว

    Thankyou sir for dscr concept ko samjha nay kay liye.

  • @upendrachoudhary4995
    @upendrachoudhary4995 3 ปีที่แล้ว +1

    Thanks for every Video

  • @SwadhinRoy1996
    @SwadhinRoy1996 ปีที่แล้ว

    TYSM sir, you are a true gem of finance❤

  • @mukeshgiri3840
    @mukeshgiri3840 3 ปีที่แล้ว +2

    Really this master series is so much supported for beginners 👍 👍 👍

    • @AssetYogi
      @AssetYogi  3 ปีที่แล้ว +1

      Glad to hear that

  • @zaid_ahmad_
    @zaid_ahmad_ 7 หลายเดือนก่อน +1

    Sir you're soo good thank you so much👏

  • @parthjayswal4927
    @parthjayswal4927 5 ปีที่แล้ว +1

    Jordar video explanation mast hai.

  • @VijayThakur-gu8zn
    @VijayThakur-gu8zn 5 ปีที่แล้ว +1

    Sir,
    Principal to (current+non current) liya hai.....interest bhe (current +non current) hoga??
    Agr kisi ka CC(working capital) chal rha hai to uska interest bhe add hoga?????

  • @sajalpoddar3217
    @sajalpoddar3217 ปีที่แล้ว

    Deep discussion, great sir

  • @arijitdas4474
    @arijitdas4474 4 ปีที่แล้ว +1

    Sir you are great . Please help me i have a query >> is interest on cc loan also calculate in this ratio???

  • @amitshr169723
    @amitshr169723 4 ปีที่แล้ว

    बहुत अच्छा वीडियो है cibil पर bhi 1 videos बनाइए

  • @priteshvikram
    @priteshvikram 2 ปีที่แล้ว +1

    Learned new thing today. 👍

    • @AssetYogi
      @AssetYogi  2 ปีที่แล้ว

      Keep learning Pritesh

  • @ananyakarsarkar204
    @ananyakarsarkar204 4 หลายเดือนก่อน

    Thanks for the informative video.

  • @adamshafijainushaik1030
    @adamshafijainushaik1030 5 หลายเดือนก่อน

    Superb explanation...

  • @kashifzubair605
    @kashifzubair605 5 ปีที่แล้ว +2

    Sir agar long term loan na ho, and sirf cash credit interest pay kar rha h , toh DEBT SERVICE kya hoga?

  • @avadhanulashivaprasad2317
    @avadhanulashivaprasad2317 4 ปีที่แล้ว +1

    Excellent sir....it is very helpful.... thank you very much

    • @AssetYogi
      @AssetYogi  4 ปีที่แล้ว

      Keep learning Avadhanula :)

  • @anandgujarani7491
    @anandgujarani7491 4 ปีที่แล้ว

    Man..U cleared by concept.. Thanks A ton!

  • @pradiptaroy8204
    @pradiptaroy8204 3 ปีที่แล้ว +1

    Superb Sir👍

    • @AssetYogi
      @AssetYogi  3 ปีที่แล้ว

      Keep watching

  • @akhileshshetty5218
    @akhileshshetty5218 2 ปีที่แล้ว +1

    Hi sir.. i have a doubt.. in case of denominator.. repayment of borrowings include both principal and interest right??

    • @AssetYogi
      @AssetYogi  2 ปีที่แล้ว

      Yes, correct

  • @jiwanbhattarai1933
    @jiwanbhattarai1933 2 ปีที่แล้ว +1

    I am in love with your presentation which is very thorough and easy to understand. Could you please make a video on credit analysis as well like assessing management.

    • @AssetYogi
      @AssetYogi  2 ปีที่แล้ว

      Noted

    • @jiwanbhattarai1933
      @jiwanbhattarai1933 2 ปีที่แล้ว

      @@AssetYogi I am waiting for that video

    • @RadhaMadhav1008
      @RadhaMadhav1008 ปีที่แล้ว

      Thank you sir but i have one question-"Can we Directly use EBITDA and then subtract the tax portion from it and then divide it by Debt service? Instead of adding PAT+Interest+Depreciation and Ammortization and then divide it by Debt service? just to keep things simple...?
      Please answer
      Thank you

  • @AMITKADAM25
    @AMITKADAM25 2 ปีที่แล้ว +1

    Thank you very much sir for this series🙏

    • @AssetYogi
      @AssetYogi  2 ปีที่แล้ว

      So nice of you

  • @dhritimandatt
    @dhritimandatt 5 ปีที่แล้ว

    Nicely explained..very informative & useful...thank u

  • @waqasawan1980
    @waqasawan1980 5 ปีที่แล้ว +1

    Sir, if there is no long term or short term borrowing or debt, is the short term loan is as same.?

  • @jyotibhagat2199
    @jyotibhagat2199 2 ปีที่แล้ว

    Sir in dscr debt service is considered as annual debt service or total debt service

  • @anuragjain3595
    @anuragjain3595 2 ปีที่แล้ว +1

    Nice analysis.

    • @AssetYogi
      @AssetYogi  2 ปีที่แล้ว

      Thanks Anurag.

  • @hemantvishwakarma9955
    @hemantvishwakarma9955 6 ปีที่แล้ว +1

    Sir, agar hum credit card le lete hai and uska use nahi karte hai 1-2 month to kya mujhe uska koi charges dena padega. Please sir inform me mujhe iski bahut jarurat hai

  • @rakeshmishra4498
    @rakeshmishra4498 4 ปีที่แล้ว

    if cash credit account is there then what should we do, whether only interest component will be added or cash credit limit amount and interest will be added.

  • @jyotishisodia4104
    @jyotishisodia4104 6 ปีที่แล้ว

    sir please bataiye auditors report kyu refer Kia jata hai credit me aur uska general importance kya hai

  • @pawankumarg4950
    @pawankumarg4950 5 ปีที่แล้ว +2

    Thank you sir, no one explain me like this that you have explained us

    • @AssetYogi
      @AssetYogi  5 ปีที่แล้ว

      Thank you for appreciating pavan

  • @UTTAMKUMAR-kb1nk
    @UTTAMKUMAR-kb1nk 5 ปีที่แล้ว +1

    Sir, ur clarification on DSCR is excellent. Need to know, why interest part is in numerator & denomenator in dscr calculation? Seeking your clarification.

    • @avadhanulashivaprasad2317
      @avadhanulashivaprasad2317 4 ปีที่แล้ว

      Numerator includes the total amount available to service debt obligation and interest is added back to arrive at total amount. Denominator is total outflow

  • @jayeshkhara1425
    @jayeshkhara1425 4 ปีที่แล้ว +1

    Very nice 👍

    • @AssetYogi
      @AssetYogi  4 ปีที่แล้ว

      Thanks Jayesh 😊

  • @KBineetPrasadPatro
    @KBineetPrasadPatro 4 ปีที่แล้ว +1

    Very nice explaination

    • @AssetYogi
      @AssetYogi  4 ปีที่แล้ว

      Thanks Bineet :)

    • @KBineetPrasadPatro
      @KBineetPrasadPatro 4 ปีที่แล้ว

      @@AssetYogi Sir , I have some doubts . Could u rectify them ?

  • @akshaygole9857
    @akshaygole9857 6 ปีที่แล้ว

    maharashtra Me muze plot kharid na hai.
    to. yaha. Encrumbance certificate jyada jaruri hai ya search Report ?

  • @indirapant8303
    @indirapant8303 4 ปีที่แล้ว +3

    relationship between investors required rate of return and value of a security.?

    • @danishrizwan8304
      @danishrizwan8304 3 ปีที่แล้ว

      If, the required rate of return is more than internal rate of return then a security is under price.

  • @prachinagar3674
    @prachinagar3674 4 ปีที่แล้ว +2

    Appreciate your work.

    • @AssetYogi
      @AssetYogi  4 ปีที่แล้ว

      Thanks Prachi

  • @focus15624
    @focus15624 3 ปีที่แล้ว

    very good topic

  • @sangammishra1530
    @sangammishra1530 4 ปีที่แล้ว +1

    Sir kindly guide us about debt service reserve account and how it is calculated

  • @FinanceAcademy7799
    @FinanceAcademy7799 4 ปีที่แล้ว

    Hi Mukul, I have a doubt. Repayment of borrowing in CFF may also include additional repayment component in case if there was a surplus. This can distort the ratio...am I right?

  • @vipinjain6373
    @vipinjain6373 5 ปีที่แล้ว +1

    Plz make video on Debtor turnover and inventory turnover ratio????

  • @sushant96k
    @sushant96k ปีที่แล้ว +1

    Superb....

    • @AssetYogi
      @AssetYogi  ปีที่แล้ว

      Thanks Sushant

  • @Diljale57
    @Diljale57 5 ปีที่แล้ว +1

    sir consolidated aur standalone me fark kya hai

    • @AssetYogi
      @AssetYogi  5 ปีที่แล้ว

      Standalone financial statements represent the financial position and the performance of the company as a single entity without taking into account the financial position and the performance of its subsidiaries etc.

  • @pintusarkar9876
    @pintusarkar9876 5 หลายเดือนก่อน

    Very good sir

  • @jitenjain3919
    @jitenjain3919 4 ปีที่แล้ว +1

    Sir make a video onIndependent audit report and tax audit report

  • @satyajyotinag1130
    @satyajyotinag1130 5 ปีที่แล้ว +1

    Sir what is amortization?

  • @maheshmawlankar854
    @maheshmawlankar854 4 ปีที่แล้ว +1

    Thanks Sir, Too good.

  • @vikaschavan4562
    @vikaschavan4562 2 ปีที่แล้ว

    Sir, Pl make the video on jagsonpal pharma and Tinplate company

  • @thevipin100
    @thevipin100 6 ปีที่แล้ว

    It is very useful video... and help to enhance my knowledge, kindly make video on BESSEL I,II,&III.

  • @naveenrv7331
    @naveenrv7331 4 ปีที่แล้ว +1

    Thank you for your explanation

    • @AssetYogi
      @AssetYogi  4 ปีที่แล้ว

      Thanks Naveen :)

  • @rajivdixitwhatsappstatus9384
    @rajivdixitwhatsappstatus9384 2 ปีที่แล้ว +1

    Please make a video on waterfall model on rea estate

  • @motog5plus189
    @motog5plus189 6 ปีที่แล้ว

    Is there any difference between cash debt service coverage ratio and debt service coverage ratio...

  • @vickychoudhary6006
    @vickychoudhary6006 ปีที่แล้ว

    Please make a detail video of full balance sheet anylises in one video

  • @ganpatlakhera9885
    @ganpatlakhera9885 4 ปีที่แล้ว +1

    CMA DATA SE RELATED VIDEO PROVIDE KARAYE

  • @sandeepswain3217
    @sandeepswain3217 6 ปีที่แล้ว

    Repayment of borrowing ko principal kyi Lia gaya cash flow se ??funds from borrowing Kyu nahi

  • @rahulbhushna14
    @rahulbhushna14 6 หลายเดือนก่อน

    In many of your videos you have taken EBIT/EBITDA directly as an operating profit, then why we have to be so specific in this case ?

  • @abhishekkumr4665
    @abhishekkumr4665 4 ปีที่แล้ว +1

    Thanks a lot sir

    • @AssetYogi
      @AssetYogi  4 ปีที่แล้ว +1

      Hope it's helpful 😊

  • @rajeshdasanselvaraj410
    @rajeshdasanselvaraj410 ปีที่แล้ว

    Very useful

  • @ujjawalmishra5751
    @ujjawalmishra5751 4 ปีที่แล้ว +1

    Clearly awesome

    • @AssetYogi
      @AssetYogi  4 ปีที่แล้ว

      Thanks Ujjawal

  • @statusofworld8987
    @statusofworld8987 6 ปีที่แล้ว

    kamal ho gya dear

  • @dipeshkataria943
    @dipeshkataria943 8 หลายเดือนก่อน

    please make more video on dscr loan.

  • @jitintoteja1982
    @jitintoteja1982 3 ปีที่แล้ว +1

    Sir make a video on how to pick good quality stocks

    • @AssetYogi
      @AssetYogi  3 ปีที่แล้ว

      Watch this series: th-cam.com/video/i5N6ZgGJXD0/w-d-xo.html

  • @rameshkunakuna8022
    @rameshkunakuna8022 3 ปีที่แล้ว +1

    Superb

  • @richajoshi6793
    @richajoshi6793 5 ปีที่แล้ว

    Y in denomination we are taking total principal amount. Y can't we take principal amount to repay in current year ?

  • @sumitpal5773
    @sumitpal5773 4 ปีที่แล้ว

    Sir while calculating DSCR interest on CC or OD is Considered..

  • @hightekinfo4153
    @hightekinfo4153 4 ปีที่แล้ว

    Sir is 4.26 a good dscr

  • @MoinUddin-ug2zn
    @MoinUddin-ug2zn 6 ปีที่แล้ว

    Sir make video on calculate of ytm and explain concept relationship between market price of bond and market interest rate, and reference with bond duration

  • @Anweshapyne
    @Anweshapyne 6 ปีที่แล้ว +1

    Wah sir thank you 🤩

  • @ajaypatel-be4rr
    @ajaypatel-be4rr 4 ปีที่แล้ว +1

    Sir suggest the ratios useful in banking finance interview

    • @AssetYogi
      @AssetYogi  4 ปีที่แล้ว

      Watch this series: th-cam.com/play/PLSiDKpku4U_Wvz5h6sGLRVnXjx42zqqGb.html

  • @pritishambekar3717
    @pritishambekar3717 6 ปีที่แล้ว

    Can you please elaborate how did you get 1.15? I made the same calculation & I got 28708.302256 number. So what should I do with this number to get the actual figures? Please let me know, please.

  • @AnilKumar-ms1di
    @AnilKumar-ms1di 5 ปีที่แล้ว +1

    Awesome Sir...

    • @AssetYogi
      @AssetYogi  5 ปีที่แล้ว

      Hope it helps you Anil

  • @saurabh198019801980
    @saurabh198019801980 6 ปีที่แล้ว +1

    Dear Mukul Ji,
    Why financial institutes add the proposed obligations and proposed FCF too while calculating the DSCR for proposed term loan. I would request to please enlighten the reasons of such practice, interpretation of the same and understanding of same.
    Regards,
    Saurabh Vashishth

    • @SassyMeeh
      @SassyMeeh 5 ปีที่แล้ว +1

      We are giving loan which will be repaid by future cash flows, as such understanding the future DSCR is very necessary. It is a tool to understand whether bank's funds will be repaid through the cash flows or not. Accordingly loan limit is set.

  • @sajjalkumaarsahu6790
    @sajjalkumaarsahu6790 6 ปีที่แล้ว

    Please make video on accrual and duration bonds.....

  • @ManishChoudhary-ie5lz
    @ManishChoudhary-ie5lz 3 หลายเดือนก่อน

    Good🎉

  • @sandeepbhardwaj595
    @sandeepbhardwaj595 6 ปีที่แล้ว

    Very good video sir

  • @AbhishekSingh-hx9gh
    @AbhishekSingh-hx9gh 6 ปีที่แล้ว +1

    Sir make a video on perpetual lease

  • @deepaktyagi831
    @deepaktyagi831 6 ปีที่แล้ว

    Sir ek Question hn Mera
    How is DSCR a better approach than ICR ?

  • @NareshKumar-ns3iy
    @NareshKumar-ns3iy 5 ปีที่แล้ว

    Very nice sir ji

  • @subhasishdebnath7277
    @subhasishdebnath7277 2 ปีที่แล้ว +1

    Awesome

    • @AssetYogi
      @AssetYogi  2 ปีที่แล้ว

      Thanks Subhasish.

  • @naveenkumar-qz9kb
    @naveenkumar-qz9kb 4 ปีที่แล้ว +1

    Hi Sir, How to calculate Average Debt Service Coverage Ratio ?

    • @AssetYogi
      @AssetYogi  4 ปีที่แล้ว

      Total the CFADS over the life of the loan.
      Total the debt service over the loan life (i.e., sum of principal and interest)
      Divide the total CFADS over the sum of principal and interests

  • @subhashshakya1691
    @subhashshakya1691 4 ปีที่แล้ว +1

    Good information

    • @AssetYogi
      @AssetYogi  4 ปีที่แล้ว

      Hope it's helpful Subhash :)

    • @subhashshakya1691
      @subhashshakya1691 4 ปีที่แล้ว

      @@AssetYogi yes sir, your explanation is good we understood ervey accounting term easily

  • @kingindresh
    @kingindresh 6 ปีที่แล้ว

    Sir I have one doubt .... If husband cheating his wife and he has many bank accounts how can she prove it to family court???? Is there any software to find out on so and so pan number there are A/C accounts in so and so banks ???? Please clear my doubt..!

  • @Dixit90patel1990
    @Dixit90patel1990 6 ปีที่แล้ว +1

    Hello,,, please male a video on BPLR rate,,,, which is beneficial for pre shipment finance,,,, pls,,,

  • @samrat_nimbhal
    @samrat_nimbhal 5 ปีที่แล้ว +1

    Great.... Sir

    • @AssetYogi
      @AssetYogi  5 ปีที่แล้ว

      Keep supporting Asset Yogi kamal

    • @Rajkumar-lu7ng
      @Rajkumar-lu7ng 4 ปีที่แล้ว

      @@AssetYogi nikal. Pehlii fursat me nikal

  • @PrashantSingh-mb1sz
    @PrashantSingh-mb1sz 6 ปีที่แล้ว

    P n L statement me to profit/loss after tax likha hota h,to usme profit hai ya loss ye kaise pta chalta h???

    • @anonymousperson5310
      @anonymousperson5310 5 ปีที่แล้ว

      Agar bracket me dia ho to loss hai means negative figure hai else positive hoga means profit hai

  • @apaerr2184
    @apaerr2184 6 ปีที่แล้ว +2

    Plz explain cash flow in detail also

    • @AssetYogi
      @AssetYogi  6 ปีที่แล้ว

      I have already noted this topic for future videos.

  • @ankitasenguptatitli
    @ankitasenguptatitli 4 ปีที่แล้ว

    sir please give a video on price to free cash flow ratio and details about free cash flow ??? can you please give fundamental analysis series in stock market ??

    • @AssetYogi
      @AssetYogi  4 ปีที่แล้ว

      Watch this series: th-cam.com/play/PLSiDKpku4U_Wvz5h6sGLRVnXjx42zqqGb.html

  • @urmilbhatiya4766
    @urmilbhatiya4766 4 ปีที่แล้ว +1

    Thanks a lot

    • @AssetYogi
      @AssetYogi  4 ปีที่แล้ว

      Keep learning

  • @kishorethakur6612
    @kishorethakur6612 6 ปีที่แล้ว

    Sir please make video on all ratio analysis

  • @nikeshsharma3699
    @nikeshsharma3699 5 ปีที่แล้ว +1

    well explained

    • @AssetYogi
      @AssetYogi  5 ปีที่แล้ว

      Thank you Nikesh

  • @mohammedhafeez8029
    @mohammedhafeez8029 6 ปีที่แล้ว

    Please sir explain the detail Balance sheet Analysis and cash flow statement in detail in English