Drawing Power Calculation - Learn in 5 Mins!! (HINDI)
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- Опубліковано 4 вер 2024
- Drawing power calculation using a stock statement is a necessary concept all bankers should know. DP or drawing power calculation is as important as the estimation of working capital requirements. This tutorial teaches you the main concepts of drawing power calculation so that you become confident in calculating DP even without using Excel.
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We cover:
How to calculate the drawing power of a working capital or cash credit account?
What are the two types of margin in a working capital account?
What to enter in CBS as stock during first disbursement of working capital?
What is a chargeable inventory?
What happens when DP is more than the sanctioned limit?
स्टॉक स्टेटमेंट का उपयोग करके डीपी की गणना करना एक आवश्यक ज्ञान है जो सभी बैंकरों को पता होनी चाहिए। यह ट्यूटोरियल आपको डीपी की गणना करने की मुख्य अवधारणा सिखाता है ताकि आप Excel का उपयोग किए बिना भी डीपी की गणना करने में आश्वस्त हो जाएं।
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#drawingpowercalculation
#workingcapitalassessment
Clear more doubts related to basics of credit here-
ua-cam.com/play/PL8luW2QdVFkvIvnl4eJyd2wcLv_i7piCw.html
Ye bahut acha initiative hai....
Bahut acha madam....
Thank you so much :)
Bless you sir and Mam, your channel is a blessing for new bankers like me.
Happy to help
Great work shudh desi banking team👍🏼
Thank you so much :)
,👍 सुक्रिया सिर्जी
Please Make video on Unhedged Foreign currency for manufacturing sector
Very good learning website for banker thank you
Most welcome
Thanks mam good explained
Very useful video, many many thanks
You are welcome
Very nice video
Thank you so much.
Thanks!!!
The pleasure is all ours. Help us reach more people by sharing our tutorials.
Thanku so much sir....for considering my feedback and implented the new initiative.Now i will tell to my all colleagues to subscribe ur this channel for JAIIB CAIIB AND BANKING KNOWLEDGE.
Welcome brother. Banker's like you are the purpose and motivation of our channel. If you people are ready to adjust to our " Kam chalane layek Hindi" we will deliver with full power.
Since you mentioned about JAIIB and CAIIB let me tell you something. I cleared CAIIB around 10 years back that too in old syllabus pattern, so not much aware of the current scenario. However one thing I can say with condfidence that I can teach the numerical and case study portion of balancesheet / ratio analysis far better than many.
My challenge is that I need some old books, Various sample questions to understand the pattern. If anyone can help me with that I promise to deilver a content of excellance. Just drop me an email ramitsengupta@gmail.com with your phone number and I will get back to you.
@@ShuddhDesiBanking Yes sir...we are ready to support u...
Thanku bangali maam
Ha ha.. you are welcome :)
Thank you so much nicely explained, can you please make a video on DOD ie dropline overdraft
Topic noted. Thank you.
extremely good work.
Glad you think so!
Nice explanation
Nice channel
Thanks and welcome
Great work Sir🙏
Please make video on LC from banker's pt of view
We already have two videos on LC -
Letter of Credit Basic Concepts | Process Flow | Parties Involved -
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How a Sight Letter of Credit Works - Simplest Explanation! - ua-cam.com/video/cZYHPfjFigE/v-deo.html
Hope you like them.
@@ShuddhDesiBanking types of LC?
very good
Thank you
Hello sir & madam
Please make videos for CMA , CRA , CUE , FFR & QRR also so that we learn what it is and uses.
Thank you for your service hope you upload these topics soon in simple language.
Thanks for the suggestion.. will surely try our best..
Sir, Kindly guide,
What may be margin on stocks in case limit was assessed under turnover method.?
15 to 25% for MSME accounts. Every bank has specific products for MSME. Please check your guidelines.
Wow
👌👌👌
Can we add Input GST in Raw Material cost while arriving at Drawing Power
Yes, you can
How to check sanction letter and do and don't in sanction letter
If creditor is more than stock in that case we can take margin or not?
If creditor is more than stock we will net out the balance creditors from the debtors then deduct margin as well. If creditor is more than debtors and stock then DP will be nil.
Madam aapki Aawaaz bohot sweet h
Thank you
Ma'am
How to fix drawing power at the time of sanctioning fresh working capital. Is it equal to maximum sanction limit or less than that? You are requested to clarify
We have already spoken about this in this video at around 5.11 mins. Please go through it and get back if there is still more doubt.
@@ShuddhDesiBanking
Ma'am I went through the video again, and got it that initial DP could be fixed based on projected level of stock, just like we fix limit based on projected sale (presuming turnover method)but i still have one doubt.
How much projected stock we prescribe to borrower, based on which we will calculate DP(both for turnover and MPBF method) ?
As we have already discussed there is no fixed rule for this. We can give you a solution which is mathematically correct.
Lets say the company has projected its cost of sales to be 144 lacs annualy so monthly cost of sales would be roughly around 12 lacs. Now in order to arrive this COS of 12 lacs how much debtors and RM required you can work out proportionately. Accordingly you can fix the DP.
But let us say the company has sufficient orders in hand, it is a running unit without any WC limit. It has approached bank only with the purpose of meeting the demands of increase in order. So it will be unfair to hold back any portion of working capital. In that case you may release the full amount at one go.
In case of brand new limit it is always advisable to increase the limit gradually. In case of existing running unit you can release the full amount in one go. For that our logic is most of the cases company is already having enough stock and debtors to match the DP and avail the full sanctioned limit.
Be it turnover or be it MPBF the formula for calculating DP remains same.
Hope this clarifies.
@@ShuddhDesiBanking
Finally I got it completely ma'am,, thank you so much for lucid explanation. Thank you again
It's team game after all!
Don't forget to introduce us to your friends and colleagues.
Personal loan keliye DP ko keise nikale...??? I have take loan 4,68,000/- and interest rate is 14.65% p.a. and Dreawing power is 3,62,902.96/- Please help and reply how to get that amount of DP?🙏🙏🙏
wrong calculation if paid stock found negative