Enter your figures (₹)
Stock after creditor adjustment—
Stock drawing power—
Receivables drawing power—
Total indicative drawing power—
Maximum permitted outstanding (lower of DP or limit)—
How this drawing power estimate works
Illustrative method: first deduct trade creditors from eligible stock (not below zero), then apply the stock margin. Apply the receivables margin to eligible receivables and add both figures. The effective permitted outstanding is capped at the sanctioned cash-credit limit.
Banks may instead use different creditor deductions, margin rules, debtor ageing limits, exclusions for unpaid stock, stock audit adjustments and other sanction-specific methods. This calculator does not estimate available undrawn funds without the current outstanding balance.
Important: Indicative educational calculation only. Actual lender assessment may differ based on eligibility, margins, debt service, stock statements, ageing rules and sanction terms.