Bank se CC / working capital limit maangni hai ya badhwani hai, par pata nahi kitni maangein? MSME ke liye bank ka seedha formula hai — turnover method: agle saal ki bikri ka 20%. Neeche apna turnover daalein: kitni limit mil sakti hai, aapka margin theek hai ya nahi, aur MPBF cross-check. Free, no login.
CC Limit Calculator — Turnover Method
How much cash credit (CC / working capital) limit can you ask the bank for? Bank formula for MSMEs: 20% of next year’s turnover, checked against your own margin and MPBF. बैंक से कितनी CC लिमिट मिल सकती है — टर्नओवर मेथड।
Free estimate, not a sanction. RBI asks banks to assess working capital of MSEs up to ₹5 crore at least at 20% of projected annual turnover (Nayak Committee turnover method); above that, banks use MPBF / cash budget methods. Final limit depends on your bank’s appraisal, CIBIL, security and actual stock/debtors (drawing power). Last checked 3 Oct 2026.
Turnover method (Nayak Committee) formula
- Working capital zaroorat = agle saal ki anumanit bikri (projected turnover) × 25%
- Aapka margin = turnover × 5% — ye aapke apne paise / long-term funds se aana chahiye
- Bank finance (CC limit) = turnover × 20%
- Agar aapka net working capital (current assets − current liabilities) 5% se zyada hai, toh bank limit = 25% zaroorat − aapka NWC (20% se zyada nahi)
RBI ke niyam ke anusaar Micro aur Small units ki ₹5 crore tak ki working capital limit kam se kam projected turnover ke 20% par assess honi chahiye.
Example: ₹1.2 crore turnover
| Item | Amount |
|---|---|
| Projected turnover | ₹1,20,00,000 |
| Working capital need (25%) | ₹30,00,000 |
| Aapka margin (5%) | ₹6,00,000 |
| CC limit (20%) | ₹24,00,000 |
Turnover method vs MPBF (Tandon) method
| Turnover method | MPBF method II | |
|---|---|---|
| Kiske liye | MSE, limit ₹5 crore tak | Badi limits / bank ki marzi |
| Formula | 20% of projected turnover | 75% of current assets − current liabilities |
| Kya chahiye | Turnover ka sahi anumaan | Balance sheet, CMA data |
| Fayda | Simple, jaldi | Stock-debtor ke hisaab se asli zaroorat |
Limit zyada lene ke liye
- Turnover GST returns aur bank statement mein dikhna chahiye — cash bikri limit nahi badhati.
- 15–25% se zyada growth dikha rahe hain toh orders / contracts ka saboot rakhein.
- Apna margin (capital) 5% se kam na hone dein.
- Har mahine stock statement time par dein — drawing power se hi asli nikasi tay hoti hai.
Aksar pooche jaane wale sawaal
Turnover method se CC limit kaise nikalte hain? Agle saal ki projected turnover ka 25% working capital zaroorat maana jaata hai; usme 5% aapka margin aur 20% bank finance hota hai. Jaise ₹1 crore turnover par ₹20 lakh CC limit.
Turnover method kis par lagta hai? RBI ke anusaar Micro aur Small enterprises ki ₹5 crore tak ki working capital limit par. Isse badi limit ke liye bank MPBF ya cash budget method use karte hain.
MPBF kya hota hai? Maximum Permissible Bank Finance — Tandon Committee ka method. Method II mein MPBF = current assets ka 75% − current liabilities (bank CC chhodkar).
Kya bank 20% se zyada limit de sakta hai? Haan, agar aapka operating cycle lamba hai aur aap cash budget / CMA data se zaroorat saabit karein. 20% minimum guideline hai.
CC limit aur drawing power mein kya fark hai? Limit bank ki maximum seema hai; drawing power har mahine aapke stock aur debtors se tay hota hai. Nikaal utna hi sakte hain jo dono mein kam ho.
Free guide, bank ki advice nahi. Source: RBI Master Direction on lending to MSME sector (turnover method for MSE up to ₹5 crore). Last checked 3 Oct 2026.
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