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Project loan
Total project cost × debt funding percentageSplits the project-cost assumption into lender debt and promoter equity.
Loan and DSCR calculator
CBG Plant Loan, EMI and DSCR Calculator
Estimate debt and equity structure, monthly EMI, annual debt service, total interest, and indicative DSCR for a CBG or biogas project.
Free to useNo sign-upInstant results
Loan and cash-flow inputs
Model a standard monthly EMI and indicative debt-service coverage.
Total project cost₹30 Cr
₹1 Cr₹100 Cr
Debt funding70 %
0 %100 %
Annual interest rate10 %
0 %30 %
Loan tenure10 years
1 years30 years
Annual EBITDA / CFADS proxy₹5.35 Cr
₹0 Cr₹30 Cr
Indicative debt structure
Monthly EMI
₹27.75 Lakh
Loan amount
₹21.00 Cr
Promoter equity
₹9.00 Cr
Indicative DSCR
1.61x
Annual debt service
₹3.33 Cr
Total interest
₹12.30 Cr
This model assumes a fully drawn loan repaid through equal monthly instalments. Actual project finance may include construction drawdowns, moratorium, IDC, quarterly repayment, DSRA, working-capital limits, taxes, and lender-specific DSCR definitions.
Calculation method
How the CBG loan and DSCR model works
The calculator applies a standard amortizing EMI formula to the project debt entered by the user, then compares annualized debt service with an EBITDA or CFADS proxy.
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Monthly EMI
P × r × (1+r)^n ÷ ((1+r)^n−1)Uses principal P, monthly rate r, and number of monthly instalments n.
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Annual debt service
Monthly EMI × 12Converts the monthly instalment into an annual principal-and-interest cash requirement.
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Indicative DSCR
Annual EBITDA or CFADS proxy ÷ annual debt serviceUses the entered annual cash-flow proxy; lenders may calculate CFADS and DSCR differently.
Common questions
Calculator FAQs
What is DSCR in a CBG project?
Debt Service Coverage Ratio compares cash available for debt service with scheduled principal and interest. A higher ratio provides more repayment headroom, but lender definitions and required thresholds vary.
Does the EMI include a construction moratorium?
No. This calculator assumes the full loan is drawn and repaid through monthly instalments. Construction drawdowns, interest during construction, moratorium, fees, and repayment sculpting require a lender-specific model.
How much promoter equity is needed?
The calculator shows equity from the debt percentage you enter. Actual margin, collateral, cost-overrun support, DSRA, and working-capital requirements depend on the lender and project.
Can Green Vikalp assist with bank funding?
Green Vikalp supports project appraisal inputs, financial modelling, lender presentations, and term-loan documentation. Final credit approval and terms remain with the bank or financial institution.