Rytvae Consulting · Think Right · Invest Right
Key Ratios Calculator
Result
Chart
Show formula & working
Each ratio uses the standard definition shown on its own calculator page. PAT = PBT − tax; EBITDA = PBT + finance costs + depreciation; TNW = net worth − intangibles and revaluation reserve; TOL = total assets − net worth; capital employed = total assets − current liabilities.
Typical references (common indian lender practice — reference points only, not regulatory figures or approval criteria): current ratio 1.33x or more; quick 1.0x or more; D/E up to 2:1 (long-term debt); TOL/TNW up to 3x (some lenders 4x); debt/EBITDA up to about 3–4x; ISCR 2x or more; DSCR 1.25x or more on average; FACR 1.25x or more.Details
How this works
Lenders read a set of ratios together: liquidity, leverage, debt-service coverage, profitability and efficiency. This page computes them all from one set of figures, using closing balances.
The typical references are common lender reference points only. Each lender applies its own norms by sector, facility and rating — they are not approval criteria.
Frequently asked questions
Why closing balances, not averages?
To keep the input short. The individual ratio pages let you use averages.
Why is DSCR here only for one year?
A single-year DSCR is a quick check; the DSCR calculator handles a multi-year projection.
Where do the typical ranges come from?
From common Indian lender practice. They are shown for orientation and are not regulatory figures.
Want your ratios read the way a lender reads them?
Classification, quasi-equity and one-off items all move the ratios. Talk to Rytvae before you approach lenders.