Run the numbers before the conversation.
Check your loan, working capital and compliance numbers in a few minutes, before you speak to a lender. The figures you enter stay on your device.
How much will my loan really cost?
EMI and true cost of borrowing
Tool overview: Enter the loan amount, interest rate and repayment period. You get the monthly EMI, the total interest and the real yearly cost after the processing fee and any repayment holiday. The real cost is usually a little higher than the rate the bank quotes.
How it works and what it leaves out
EMI = P × r × (1 + r)n ÷ [(1 + r)n − 1]
P = loan amount, r = yearly rate ÷ 12, n = number of EMIs
The real yearly cost compares the money you actually receive (loan less processing fee) with every payment you make. Use it to compare loan offers: a lower rate with a higher fee can cost more.
Not included: rate changes on floating loans, prepayment charges, insurance, GST on fees and other third-party costs.
How much more can I borrow as a term loan?
Debt capacity
Tool overview: Banks lend on the cash your business generates, not on its size. Enter your yearly operating profit and the loan terms to see how much more term loan your cash flow can comfortably repay.
How it works and what it leaves out
Cash available = EBITDA − tax − maintenance capex
Yearly repayment budget = cash available ÷ DSCR − existing repayments
Extra loan = the loan whose EMIs fit inside that budget
This looks at one typical year. A bank will check every year of your projections, and the first two years after a new project usually decide the loan amount.
Not included: growth in working capital, collateral, credit rating and the bank's view of your sector.
How large a working capital limit can I expect?
Working capital limit
Tool overview: Banks fund part of the money tied up in your stock and debtors and expect you to fund the rest. Enter your current assets and what you owe suppliers to see the working capital limit a bank would usually consider.
How it works and what it leaves out
Gap = current assets − other current liabilities
Method I limit = 75% of the gap
Method II limit = 75% of current assets − other current liabilities
Most banks follow Method II, so that is the main answer. It leaves you with a current ratio of 1.33.
This is the limit. What you can draw each month (drawing power) depends on your stock and debtors statement and is often lower.
Will my ratios satisfy the bank?
Bank ratio check
Tool overview: Bank sanction letters set minimum standards for your borrowing level and how well profits cover interest and repayments. Enter figures from your balance sheet and P&L to see where you stand on the five ratios banks check most.
How it works and what it leaves out
Debt / equity = borrowings ÷ net worth
TOL / TNW = total outside liabilities ÷ tangible net worth
ICR = EBITDA ÷ interest
DSCR = EBITDA ÷ (interest + principal)
FACR = fixed assets charged ÷ secured term loans
The comfort levels shown are the ones commonly seen in Indian sanction letters. Your own sanction letter decides the actual limits, and its definitions matter as much as the numbers.
Which statutory filings are due next?
Statutory compliance calendar
Tool overview: One list of the routine returns and payments a company or LLP has to make under company law, income tax and GST, with the next due date worked out for you. Filter by entity type or by law.
Law as on 16 October 2026. Next due dates are worked out from today, . Dates can change with government notifications, so please check before you file.
New Income-tax Act. From 1 April 2026 the Income-tax Act, 2025 replaces the 1961 Act and most forms have new numbers. Old numbers are shown in brackets. Returns for FY 2025-26 and earlier are still filed under the old Act.
| Law | Compliance | Applies to | Frequency | Statutory due date | Next due |
|---|---|---|---|---|---|
| Income-tax Act, 2025 | TDS / TCS payment | Company & LLP | Monthly | 7th of the following month (30 April for March deductions) | — |
| Income-tax Act, 2025 | TDS statements — Forms 138 / 140 / 144 (formerly 24Q / 26Q / 27Q) | Company & LLP | Quarterly | 31 Jul, 31 Oct, 31 Jan, 31 May | — |
| Income-tax Act, 2025 | TCS statement — Form 143 (formerly 27EQ) | Company & LLP (collectors) | Quarterly | 31 Jul, 31 Oct, 31 Jan, 31 May (earlier the 15th) | — |
| Income-tax Act, 2025 | TDS certificate (non-salary) — Form 131 (formerly 16A) | Company & LLP | Quarterly | Within 15 days of the quarterly statement due date | — |
| Income-tax Act, 2025 | TDS certificate (salary) — Form 130 (formerly Form 16) | Company & LLP (employers) | Annual | 15 June | — |
| Income-tax Act, 2025 | Advance tax instalments | Company & LLP | Quarterly | 15 Jun (15%), 15 Sep (45%), 15 Dec (75%), 15 Mar (100%) | — |
| Income-tax Act, 2025 | Tax audit report — Form 26 (Forms 3CA/3CB-3CD up to FY 2025-26) | Company & LLP liable to tax audit | Annual | 30 September (FY 2025-26: extended to 21 October 2026) | — |
| Income-tax Act, 2025 | Income tax return — audit cases | Company & LLP | Annual | 31 October (AY 2026-27: extended to 21 November 2026) | — |
| Income-tax Act, 2025 | Income tax return — non-audit cases | LLP only (a company is always audited) | Annual | 31 August (31 July up to AY 2025-26) | — |
| Income-tax Act, 2025 | Transfer pricing report — Form 48 (formerly 3CEB) | Company & LLP with specified domestic or international transactions | Annual | 31 October | — |
| Income-tax Act, 2025 | Income tax return — transfer pricing cases | Company & LLP furnishing a transfer pricing report (Form 48 / 3CEB) | Annual | 30 November | — |
| Income-tax Act, 2025 | Statement of specified financial transactions — Form 165 (formerly 61A) | Company & LLP (where reportable transactions exist) | Annual | 31 May | — |
| GST | GSTR-1 — outward supplies (monthly filers) | Company & LLP | Monthly | 11th of the following month | — |
| GST | GSTR-3B — summary return and tax payment (monthly filers) | Company & LLP | Monthly | 20th of the following month | — |
| GST | GSTR-1 — quarterly (QRMP) | Company & LLP opting into QRMP | Quarterly | 13th of the month following the quarter | — |
| GST | IFF — invoice furnishing facility (QRMP, optional) | Company & LLP under QRMP | Monthly | 13th of the following month, for months 1 and 2 of each quarter | — |
| GST | PMT-06 — monthly tax payment (QRMP) | Company & LLP under QRMP | Monthly | 25th of the following month, for months 1 and 2 of each quarter | — |
| GST | GSTR-3B — quarterly (QRMP) | Company & LLP under QRMP | Quarterly | 22nd or 24th of the month following the quarter, by State category | — |
| GST | CMP-08 — composition taxpayers | Company & LLP under composition | Quarterly | 18th of the month following the quarter | — |
| GST | GSTR-7 — TDS under GST | Company & LLP required to deduct | Monthly | 10th of the following month | — |
| GST | GSTR-6 — input service distributor | Company & LLP registered as ISD | Monthly | 13th of the following month | — |
| GST | GSTR-9 — annual return | Company & LLP above the turnover threshold | Annual | 31 December following the financial year | — |
| GST | GSTR-9C — reconciliation statement | Company & LLP above the prescribed turnover | Annual | 31 December following the financial year | — |
| GST | Letter of undertaking for exports without tax | Exporters | Annual | Before 31 March, for the following financial year | — |
| Companies Act, 2013 | Annual general meeting | Company | Annual | Within 6 months of financial year end (30 September for a 31 March year) | — |
| Companies Act, 2013 | Auditor appointment — Form ADT-1 | Company | Annual | Within 15 days of the AGM | — |
| Companies Act, 2013 | Financial statements — Form AOC-4 | Company | Annual | Within 30 days of the AGM | — |
| Companies Act, 2013 | CSR report — Form CSR-2 | Company to which s.135 applies | Annual | As an addendum to AOC-4 | — |
| Companies Act, 2013 | Annual return — Form MGT-7 / MGT-7A | Company | Annual | Within 60 days of the AGM | — |
| Companies Act, 2013 | Director KYC — Form DIR-3 KYC | Every person holding a DIN | Once every 3 years | By 30 June following every third consecutive financial year (annual filing by 30 September discontinued from 31 March 2026). Changes in mobile number, email or address: within 30 days | — |
| Companies Act, 2013 | Return of deposits — Form DPT-3 | Company | Annual | 30 June | — |
| Companies Act, 2013 | Dues to MSME suppliers — Form MSME-1 | Company with payments outstanding beyond 45 days | Half-yearly | 30 April and 31 October | — |
| Companies Act, 2013 | Dematerialisation reconciliation — Form PAS-6 | Unlisted public company | Half-yearly | Within 60 days of each half year end | — |
| Companies Act, 2013 | Significant beneficial owner — Form BEN-2 | Company | Event-based | Within 30 days of receiving Form BEN-1 | — |
| Companies Act, 2013 | Change in directors — Form DIR-12 | Company | Event-based | Within 30 days of the change | — |
| Companies Act, 2013 | Board resolutions — Form MGT-14 | Company | Event-based | Within 30 days of passing the resolution | — |
| Companies Act, 2013 | Board meetings | Company | Quarterly | At least 4 per year, with no gap exceeding 120 days | — |
| LLP Act, 2008 | Annual return — Form 11 | LLP | Annual | 30 May | — |
| LLP Act, 2008 | Statement of account and solvency — Form 8 | LLP | Annual | 30 October | — |
What this calendar covers
Common recurring filings for a company or LLP with a 31 March year end. Some items apply only above a turnover limit or to certain activities, and a few filings that may apply to you are not listed.
Event-based filings, such as DIR-12 or MGT-14, run from the date of the event, so no next due date is shown. DIR-3 KYC is now due once every three years. Extensions already announced for this year are marked “Extended”.
This is a planning aid, not compliance advice. See our terms of use.
Unfamiliar term?
Jargon buster
Common terms used in these tools.
- All-in cost
- The real yearly cost of a loan once the processing fee and timing of payments are counted.
- Cash credit / overdraft
- A revolving working capital limit: you draw and repay as needed, and pay interest only on what is used.
- Covenant
- A condition in a loan agreement, such as a minimum DSCR or a maximum TOL/TNW, that the borrower must keep meeting.
- Current ratio
- Current assets divided by current liabilities. Banks commonly look for 1.33 or better.
- Drawing power
- The part of a working capital limit you can actually use on a given day, worked out monthly from your stock and receivables statement after margins.
- DSCR
- Debt service coverage ratio: cash available to repay loans divided by the interest and principal due in the year. A DSCR of 1.4 means a 40% cushion.
- EBITDA
- Earnings before interest, tax, depreciation and amortisation: roughly, operating profit before financing costs and non-cash charges.
- EMI
- Equated monthly instalment: a fixed monthly payment that covers interest and repays part of the loan.
- FACR
- Fixed asset coverage ratio: the value of fixed assets charged to the lender divided by the secured term debt.
- ICR
- Interest coverage ratio: EBITDA divided by interest cost.
- Margin
- The share of an asset or a working capital requirement that the borrower must fund from its own long-term money.
- Moratorium
- A period at the start of a loan when no principal is repaid. Interest is either paid monthly or added to the loan.
- MPBF
- Maximum permissible bank finance: the ceiling for a working capital limit under the Tandon Committee methods.
- Quasi-equity
- Promoter or director loans that a bank treats as equity because they will stay in the business until the bank is repaid.
- Tangible net worth (TNW)
- Capital and reserves less intangible assets and deferred revenue expenditure.
- TOL/TNW
- Total outside liabilities divided by tangible net worth: everything the business owes against what the owners have put in. Many lenders cap it at around 3.
- Working capital gap
- Current assets less current liabilities other than bank borrowings: the money tied up in operations that must be funded by the bank or by you.
Want these numbers stress-tested?
These tools give you a starting point. What a bank will actually sanction depends on your financials, banking history and security. We are happy to take a look.