Commercial Credit Limit, MPBF & Credit Card Underwriting Evaluator
Institutional bank appraisal engine computing Maximum Permissible Bank Finance (MPBF) under the Nayak Committee Turnover Method (≤ ₹5 Cr), Tandon Committee Method 2 & CMA Modeling (> ₹5 Cr), Term Loan DSCR Debt Capacity, and Retail Credit Card FOIR & Multipliers in full alignment with RBI Master Directions.
Nayak Committee Turnover Appraisal Parameters
RBI Master Direction on MSME Lending • 25% WCR / 5% Margin / 20% MPBF
Recommended for fund-based limits up to ₹5 Crore. For limits > ₹5 Cr, use Tandon Tab.
Used to evaluate projected turnover realism against historical audited revenue.
If available NWC > 5% of turnover, bank finance is reduced by the excess NWC.
Nayak MPBF Appraisal Outcome
Total operating liquidity required to sustain projected turnover.
Computed as WCR (25%) minus Actual Available NWC.
Statutory Regulatory & Professional Disclaimer
This interactive simulator computes credit appraisals strictly based on formulas codified by RBI Master Directions, the Nayak Committee (1992), Tandon Committee (1975), Chore Committee (1979), and prevailing retail underwriting benchmarks. Actual credit sanctions are subject to individual scheduled commercial bank credit policies, primary and collateral security valuation, CIBIL/Experian bureau performance, and credit committee approvals. In strict accordance with the Digital Personal Data Protection Act, 2023, all computations execute entirely inside your browser's local memory—zero financial data is stored or transmitted.