Calculators, checklists, and templates for lending businesses
Real, working financial calculators built on standard formulas — plus the checklists and templates our team uses on actual NBFC and lending engagements.
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Financial Calculators
Nine calculators covering the numbers that come up most often in NBFC licensing, lending, and recovery conversations. Every calculation runs from standard public financial formulas — tap a card to expand it and try your own numbers.
These tools produce estimates for informational purposes only — they are not financial, legal, or tax advice, and don't replace a formal assessment by your lender, auditor, or regulator.
EMI Calculator
Monthly EMI, total interest, and total payment on a loan.
EMI Calculator
Monthly EMI, total interest, and total payment on a loan.
Loan Eligibility Calculator
Estimate the loan amount you may qualify for, based on income and obligations.
Loan Eligibility Calculator
Estimate the loan amount you may qualify for, based on income and obligations.
Indicative only — actual eligibility is determined by the lender based on full underwriting. This uses a Fixed Obligation to Income Ratio (FOIR) assumption of 50% as an illustrative benchmark; you can adjust it above to model different lender policies.
Net Owned Fund (NOF) Calculator
Estimate an NBFC's Net Owned Fund from capital, reserves, and deductions.
Net Owned Fund (NOF) Calculator
Estimate an NBFC's Net Owned Fund from capital, reserves, and deductions.
Estimated Net Owned Fund
This is a simplified estimate for directional planning only. RBI's exact Net Owned Fund computation for NBFCs also nets out items such as investments in shares of subsidiaries, group companies, and other specified deductions under the applicable Master Direction — it is not a substitute for a formal NOF certificate.
DSCR Calculator
Debt Service Coverage Ratio from net operating income and debt service.
DSCR Calculator
Debt Service Coverage Ratio from net operating income and debt service.
Enter the total annual debt service to calculate the ratio.
Working Capital Calculator
Working capital and current ratio from current assets and liabilities.
Working Capital Calculator
Working capital and current ratio from current assets and liabilities.
Break-even — current assets exactly match current liabilities.
Debt Ratio Calculator
Total liabilities as a share of total assets, as a ratio and percentage.
Debt Ratio Calculator
Total liabilities as a share of total assets, as a ratio and percentage.
A lower debt ratio generally indicates less reliance on borrowed capital relative to assets, though what counts as "healthy" varies widely by industry and business model.
Interest Calculator
Simple or compound interest on a principal amount over time.
Interest Calculator
Simple or compound interest on a principal amount over time.
Penalty Calculator
Overdue penalty amount from an overdue balance, rate, and days overdue.
Penalty Calculator
Overdue penalty amount from an overdue balance, rate, and days overdue.
Penalty rates vary by lender and loan agreement — enter your applicable rate. This calculates a simple pro-rated penalty; some agreements apply penalty interest differently, so treat this as an estimate.
GST Calculator
Add GST to an amount, or extract the GST component from a GST-inclusive total.
GST Calculator
Add GST to an amount, or extract the GST component from a GST-inclusive total.