Get DSCR Certificate by Chartered Accountant – For Business Loans, Project Finance & Credit Assessment
When businesses approach banks or NBFCs for loans—especially large term loans or project financing—lenders assess the borrower’s capacity to repay the loan using key financial ratios. One of the most crucial among them is the DSCR (Debt Service Coverage Ratio). In many cases, a DSCR Certificate certified by a Chartered Accountant (CA) is mandatory for loan processing.
At Taxfixy, we offer professional DSCR Certificate services, prepared and signed by qualified CAs. Our certificates are accepted by all major banks, NBFCs, and financial institutions across India.
What is a DSCR Certificate?
The Debt Service Coverage Ratio (DSCR) is a financial ratio that measures a company’s ability to service its current debt obligations from its operating income.
Formula:
DSCR = Net Operating Income / Total Debt Obligations (Principal + Interest)
A DSCR Certificate issued by a CA verifies this calculation for a specific financial period and confirms whether the business meets the lender’s threshold.
Banks and financial institutions usually require this certificate to:
- Evaluate creditworthiness
- Approve or renew term loans or working capital limits
- Sanction loans under CGTMSE or SIDBI schemes
- Assess project viability for infrastructure or manufacturing units
📊 Ideal DSCR Values
- DSCR > 1: Business is generating sufficient income to cover debt repayments
- DSCR < 1: Business may not be generating enough to meet debt obligations
Most banks prefer a DSCR of 1.25 or above for loan approval.
Who Needs a DSCR Certificate?
- MSMEs / SMEs applying for bank or NBFC loans
- Manufacturing & infrastructure companies availing project finance
- Startups raising secured capital from institutions
- Builders / real estate developers applying for construction loans
- Exporters / importers under EXIM finance
- Any borrower required to submit repayment capacity proof
Documents Required
To issue a DSCR Certificate, our CA will need the following:
- Audited Balance Sheet and Profit & Loss Statement (last 1–2 years)
- Provisional financials (if applicable for current FY)
- EMI or repayment schedule of existing and proposed loans
- Bank sanction letter or loan offer (if available)
- Term loan application (optional but helpful)
- Business/project plan in case of projected DSCR
- Details of operating income and fixed expenses
We’ll also assist in calculating projected DSCR if required by the bank.
📝 What the Certificate Includes
A CA-certified DSCR Certificate typically contains:
- Name of the business entity and period of evaluation
- Computation of Net Operating Income
- Calculation of total debt servicing obligations
- Final DSCR ratio
- Observations, assumptions, or notes (if any)
- Confirmation whether DSCR meets required benchmarks
- Signature, membership number, UDIN, and firm seal of the CA
We can also issue Projected DSCR Certificates based on expected future cash flows.
Why Choose Taxfixy?
- Registered CAs with experience in bank finance documentation
- Compliant formats accepted by PSU and private banks
- PAN India service – fully online
- Quick turnaround – get your certificate in 1–2 working days
- Custom certificate formats for bank or financial institution-specific needs
- Affordable pricing, no hidden charges
- Confidential handling of your business data
Whether you're in Delhi, Hyderabad, Pune, or a Tier-3 town, we’re here to support you with ease.
How It Works – 5 Easy Steps
- Call or WhatsApp us at +91 7048914151 or email support@taxfixy.com
- Share your financial statements, EMI schedule, and loan details
- Make secure online payment
- Our CA will compute and verify the DSCR
- Receive your PDF DSCR Certificate signed and sealed (hard copy on request)
Where is it Used?
- Term loan or project finance approval
- CC/OD limit renewal
- SIDBI, CGTMSE, or other government credit schemes
- Builder or contractor loans from housing finance companies
- Due diligence during funding or investor entry
- Compliance reporting to RBI or banks
Accepted By
- All PSU and private sector banks
- NBFCs and housing finance companies
- Investment bankers, rating agencies, and auditors
- Government departments for subsidized schemes
- Investors during equity/debt funding rounds
Apply for Your DSCR Certificate Today
Need a DSCR Certificate for your loan application or project financing? Let Taxfixy’s experts help you with accurate and bank-compliant documentation.
Email: support@taxfixy.com
Call / WhatsApp: +91 7048914151
Website: https://taxfixy.com
We simplify your financial certification process with fast service and expert guidance.
Taxfixy – India’s most reliable online platform for CA Certificates and Business Financial Documentation.
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