Debt Service Coverage Ratio | Financial management | CA RAJA CLASSES
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- เผยแพร่เมื่อ 5 ก.ย. 2024
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Today was a great day for me. Because identify your channel for enhancing my skill. Thank you so much sir for your effort in teaching us.
Well explained. Very clear and in simple terms.
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Excellent...Using small number for explanation good approach..easy understanding.
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Your approaches and deliverance is so amazing,concepts clearly achieved.Keep it up!!
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Very good video sir. I have understand this concept for lifetime.
Feeling so happy after seeing your class.i was feeling helpless while processing a loan.Asked a lot of people watchedd a lot of videos. But this is the class which I was searching for.thank you so much
sir I am from a science background as because I am preparing for a bank exam I had to cover this DSCR topic . i have been looking at different sources but still this was the only ratio that i was not able to comprehend and finally I understood what DSCR actually wants to convey and what's its use thank you very much sir.
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Very well explained, with example
Very good Explanation, I have been watching your videos since 5-6 years
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Sir ! How do you find out installment or principal repayment? Shall we take the current portion of long term loan included in the current liability as the installment?
"We are happy to provide the fixed and floating charge on the rights to leasehold land of XYZ Limited pari Passu with ABC Bank" .....Mr Raja can you please help me understanding what is in inverted commas.
I need clarification about installment.
Thank you for explaining such a great thing in simple terms sir... could you please explain DSCR when there is lease rental payments..Do we need to add lease rental to both numerator and denominator (given in book)..why we need to add lease rental to numerator..appearing for iibf CCP exam sir..
Lease rental has both principal and an interest component. In the numerator, we have to split this EMI into principal and interest and add only the interest component and in the denominator, both interest and principal have to considered.
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Thank you for replying sir...Already bought ccp package sir..
Sir thanks for clearing my doubt.. when I solve case studies of dscr, I have come across a topic if post tax obligations is higher than non cash expense..debt service (denominator) is calculated using Total Debt Service = Interest + non cash expense + (Principal Repayment + Lease Repayment - Non Cash Expense) / (1-tax rate). Why Non cash expense is added to interest...I understand why non cash expense is deducted from principal obligation but I am confused why it is added to interest (we know non cash expense is not an obligation)..sir pls clarify this
Watch this video
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Non-cash expenses are subtracted while arriving at profit (like depreciation). Since we need cash profit to compare with the obligation we are doing reverse calculation.
We start with PAT and add back non cash items to arrive at cash profit.
Sir..can you explain sundry debtors and creditors class..
Hi sir, Very good explanation Thanks alot.
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Sir do we have to add the interest on CC limit while arriving to the profit.
very well explained sir...
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Sir u have mentioned Installment in the denominator. Does that mean only principal or EMI (Prin + interest)?
I am working in banking sectors
thankyou so much!!!!!!
Thnk u sir
Wonderful. I was asked by bank to submit this. It has to be signed and authorised by a CA or just the report is enough for Bank understanding sir?
It depends on banks requirements. Basically it’s Management’s estimation.
Sir while calculating DSCR do we have to consider to the interest we are paying for CC??
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Thank you
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Thank you Sir
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Very well explained
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Well explained sir..
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Congratulations for 100K
Many many thanks
Dscr formula Vara interest already iruka loan interest ah illa current buying loan interest ah sir.
Both
Existing as well as proposed
@@carajaclassessir small confuse, numerator and denominator both interest values are current bought loan interest value or old loan interest value?
@@LIVINKUMARM Both the loans (old + new) - in both numerator and denominator
@@carajaclasses thank so much sir for your kindly reply.
Hello , i saw a video whr u have shown dscr as gross , net and av values and in formula we deduct dividend in numerator .
What's the difference.. can we use that too
I answered that formula in credit analysis interview but it was declared wrong ?
Please reply
Hi,
This approach could very bank to bank.
Banks who are very conservative, will be particular that while computing the cash available for servicing the debt (that is numerator), dividends should be deducted because to that extent profits are not available for paying principal.
So this cannot be wrong. Just imagine the business has made a profit of hundred crore and out of which 30 cr is paid as dividend. It means now they have only 70cr profit left with for servicing the principal.
In DSCR if you don’t deduct this 30cr in the numerator, are you not sending the information that hundred crore profit is available for servicing the debt? But what is available is only 70 cr.
Hope this clarifies.
@@carajaclasses Thank you Sir, I am actually your udemy student and learned a lot from that course . I got confuse when interviewer declared it as wrong formula and also said thr is no gross n net thing with DSCR.
Thank you Sir 😊 for your reply .. you gave me confidence
Most of the public sector banks still follow Gross DSCR, Net DSCR & Avg DSCR
@@carajaclasses OK Sir.
Nice sir
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Sir unga videos chanceless
Thank u Sir
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