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Credit-analysis utility
Debt Service Coverage Ratio Calculator
Calculate DSCR using EBITDA or cash available for debt service and test lender covenant headroom.
Calculate DSCR
EBITDA / operating cash earnings (₹)
Cash taxes (₹)
Maintenance capex (₹)
Increase in working capital (₹)
Interest due (₹)
Principal repayments due (₹)
Minimum covenant DSCR
Calculate DSCR
Print / Save PDF
Cash available for debt service
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DSCR
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Loan agreements can define EBITDA, cash taxes and debt service differently.
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Educational calculator · Reviewed 14 July 2026 · Official law, portal data and professional judgement prevail.
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