Bank mein CC (cash credit) limit hai, par har mahine samajh nahi aata ki kitna nikaal sakte hain? Wahi hai drawing power (DP) — aapke stock aur debtors se tay hota hai, limit se nahi. Neeche apna stock, creditors aur debtors daalein: DP, bachi hui headroom, account irregular toh nahi — aur bank ke liye stock statement PDF / Excel turant. Free, no login.
Drawing Power Calculator & Stock Statement
Cash credit (CC) account? Enter this month’s stock, creditors and debtors — see how much you can draw, whether your account is irregular, and download the stock statement for the bank. CC खाते की ड्रॉइंग पावर और स्टॉक स्टेटमेंट — फ्री।
Free guide. Your bank’s sanction letter decides margins, eligible debtor age and items excluded. Common practice: 25% margin on paid stock, 40% on debtors up to 90 days; drawing power = lower of calculated DP and sanctioned limit; stock statement every month (usually by the 10th–15th). Last checked 3 Oct 2026.
Drawing power calculation formula
- Paid stock = Kul stock (raw material + WIP + finished goods) − purana/kharab stock − unpaid creditors
- DP on stock = Paid stock × (100% − stock margin), aam taur par margin 25%
- DP on debtors = 90 din tak ke debtors × (100% − debtor margin), aam taur par margin 40%
- Available DP = (DP on stock + DP on debtors) aur sanctioned limit — dono mein jo kam ho
Example: ₹20 lakh CC limit
| Item | Amount |
|---|---|
| Raw material + WIP + finished goods | ₹19,00,000 |
| Less: purana stock | − ₹1,00,000 |
| Less: unpaid creditors | − ₹4,00,000 |
| Paid stock | ₹14,00,000 |
| DP on stock (75%) | ₹10,50,000 |
| Debtors up to 90 days ₹9,00,000 × 60% | ₹5,40,000 |
| Total drawing power | ₹15,90,000 |
| Sanctioned limit | ₹20,00,000 |
| Available (lower of the two) | ₹15,90,000 |
| CC mein abhi use | ₹15,00,000 |
| Aur nikaal sakte hain | ₹90,000 |
Limit ₹20 lakh hone par bhi is mahine sirf ₹15.9 lakh tak use ho sakta hai. ₹15.9 lakh se upar gaye toh account irregular.
Stock statement mein kya dena hota hai
- Raw material, WIP, finished goods — cost ya market value, jo kam ho
- Sundry creditors (maal ke unpaid bills) — ye stock se ghatte hain
- Debtors ki list umar ke hisaab se (0–90 din, 90+ din)
- Firm ka sign + date; kai bank insurance details bhi maangte hain
- Har mahine — aam taur par agle mahine ki 10–15 tareekh tak (aapka sanction letter dekhein)
Account irregular / NPA kab hota hai
- Outstanding balance drawing power ya limit se upar lagatar 90 din rahe → account “out of order” → NPA ho sakta hai (RBI norms).
- Bank ke paas 3 mahine se purana stock statement ho toh us DP ko bhi irregular maana jaata hai.
- Isliye statement time par dein aur purane debtors collect karein — wahi sabse jaldi DP badhata hai.
DP kam aa raha hai? Ye karein
- 90 din se purane debtors vasool karein — ye DP mein zero gine jaate hain.
- Creditors ko time par pay karein (CC se) — unpaid stock DP se ghatta hai.
- Dead stock clear/write-off karein; stock audit mein vaise bhi hat jaata hai.
- DP har mahine limit se zyada aata hai? Bank se limit enhancement maangein — CMA data aur projections ke saath.
Aksar pooche jaane wale sawaal
Drawing power kya hota hai? Cash credit (CC) ya overdraft account mein jitna paisa aap is mahine nikaal sakte hain. Ye aapke paid stock aur debtors par margin ghataakar nikalta hai, aur sanctioned limit se zyada nahi ho sakta.
Drawing power calculation ka formula kya hai? (Kul stock − purana stock − unpaid creditors) × (1 − stock margin) + eligible debtors × (1 − debtor margin). Inme se aur sanctioned limit mein jo kam ho, wahi available drawing power hai.
Stock aur debtors par margin kitna hota hai? Aam taur par stock par 25% aur 90 din tak ke debtors par 40%. Exact margin aapke bank ke sanction letter mein likha hota hai.
Stock statement kab jama karna hota hai? Zyadatar bank har mahine maangte hain, agle mahine ki 10–15 tareekh tak. 3 mahine se purana statement ho toh account irregular maana ja sakta hai.
Drawing power limit se kam kyon hai? Kyunki stock ya debtors kam hain, creditors unpaid hain, ya debtors 90 din se purane hain. Limit sirf upper cap hai; asli nikasi DP se tay hoti hai.
Free guide, bank ki advice nahi. Margin, debtor age aur excluded items aapke sanction letter ke hisaab se badalte hain. Last checked 3 Oct 2026.
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