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Disclaimer: Drawing Power margins, debtor-eligibility cutoffs, and stock-statement formats vary by bank and by the terms of each sanction letter. The defaults used here (stock margin 25%, book-debt margin 40%, debtors under 90 days) are common industry conventions, not statutory rules, and statutory/regulatory requirements can change — always verify the applicable margins and format against the borrower's current sanction letter and the bank's own stock-statement proforma before submission. This tool is maintained by a practicing Chartered Accountant as a drafting aid and does not constitute professional advice; please have a qualified CA/bank official review each statement before it is filed.
Renewal time? Provisional and projected financials workbook →