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Loans & EMI

DSCR Calculator

Calculate debt service coverage from net operating income and debt service for the same period.

Enter your assumptions

Formula and methodology

DSCR = Net operating income ÷ Total debt service

This calculator uses the values you enter and does not add fees, taxes or external assumptions.

Worked example

₹15,00,000 NOI and ₹10,00,000 debt service gives a 1.5:1 DSCR.

How to use

  1. Enter the requested values using consistent periods.
  2. Select Calculate.
  3. Review the methodology and limitations before using the estimate.

Frequently asked questions

What does this calculator estimate?

Calculate debt service coverage from net operating income and debt service for the same period.

Is this result guaranteed?

No. It is a simplified planning estimate; actual outcomes can differ.

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Disclaimer: This estimate may differ from a lender’s schedule because fees, day-count rules, rounding and changing rates are not included. Verify actual terms with the lender. It does not assess eligibility or provide lending advice.