Loan-ready MIS
Sample: Arka Precision Works Pvt Ltd, auto parts, Faridabad. FY 2025-26.
DSCR 1.34x: ready for the bank
The one page a lender reads first: profit, cover for EMIs, and working capital days.
Profit ladder
- Revenue₹4,20,00,000
- Cost of goodsless ₹2,90,00,000
- Gross profit₹1,30,00,000
- Other operating costsless ₹62,00,000
- EBITDA₹68,00,000
- Depreciationless ₹18,00,000
- Interestless ₹14,00,000
- Profit before tax₹36,00,000
- Taxless ₹9,06,000
- Profit after tax₹26,94,000
What the bank reads
DSCR (cover for EMIs)1.34x✓1.25x or more
Current ratio1.50✓1.33 or more
Debt to equity1.12✓2 or less
Interest cover4.86xHigher is better
Debtor days54 daysLower is better
Creditor days48 days✕MSME suppliers: pay within 45 days
Inventory days60 daysLower is better
Meets the usual bank norms. Clean books and this page shorten the loan file.