JR Loan Advisors, Chennai: 9 free loan calculators (EMI, LAP eligibility, LAP from ITR, LRD, DSCR, drawing power, CC/OD limit, stamp duty, balance transfer) and loan papers from ₹999. Chennai product pages: loan against property in Chennai · lease rental discounting in Chennai.
JR Loan Advisors tools build bank loan papers: CMA from ₹999 (Year 1 free), project report ₹1,499, stock statement ₹199 or ₹2,999 a year, drawing power free. Working-capital rules: RBI (each bank still sets its own paper format).
Built for CAs, CFOs and business owners who prepare bank loan files · Led by CA Jitendraa Rathi (ICAI 217936) · One-time pay on paid tools · JR prepares papers and does not lend
CMA data maker — prepare CMA data online Project report for bank loan See free sample reports
Most used loan-paper tools
Start here if the bank asked for CMA data, a project report for bank loan, a stock statement, or a drawing power figure.
Most used · Working capital
CMA Data Online (CMA Data Maker)
Forms I–VI style CMA pack for bank working capital or term loan.
Year 1 free · full ₹999
Prepare CMA data →Most used · Loan projections
Project Report for Bank Loan
Business story plus projections when the bank wants more than bare CMA.
Preview free · PDF ₹1,499
Build project report →Most used · Monthly CC paper
Stock Statement Format for Bank
Monthly stock paper for cash credit / overdraft.
Year Pack ₹2,999 · or ₹199 month
Make stock statement →Most used · Free calculation
Drawing Power Calculation
How much you can draw this month from stock and receivables.
Free
Calculate drawing power →How paid tools work
- Pick a tool and preview free — enter your numbers and see the layout before you pay.
- Pay once — the price on the tool page (no subscription).
- Sign in with Google on the same email — prepare and download your file.
Free sample reports
See the layout before you buy. Example only. Do not give this to your bank.
Compare paid loan-paper tools
| Tool | Best for | Price |
|---|---|---|
| CMA data maker online | Working capital / term loan CMA pack (Forms I–VI) | Year 1 free · full ₹999 · CA review ₹2,499 |
| Project report for bank loan | Bank wants story + numbers, not only CMA | Preview free · PDF ₹1,499 |
| Stock statement format for bank | Monthly CC/OD stock paper + draw | ₹199 / month · ₹2,999 / year |
| Drawing power calculator | Quick “how much can I draw” check | Free |
| WC renewal | Yearly cash credit renewal gap list | Preview free · ₹1,499 |
| CC / OD Enhancement | Bigger cash-credit limit story with method compare | Preview free · ₹1,499 / scenario |
| LRD Cashflow Pro | Rent-backed loan deal coverage file | Preview free · ₹999 / deal |
| TN property papers | LAP / LRD / purchase papers in Tamil Nadu | Free map · ₹499 pack |
Prices in ₹. Free tools below.
Which free loan calculator should you use?
| Your question | Calculator | Main formula |
|---|---|---|
| What will my monthly instalment be? | EMI calculator | P × r × (1+r)n ÷ ((1+r)n − 1) |
| How much can I borrow on my income and property? | Eligibility calculator | Lower of income limit and property × LTV |
| How much loan does my ITR support? | LAP from ITR | Profit + depreciation + interest − tax, averaged over 2 years |
| How much can my rent support? | LRD calculator | Lower of share of rent value and property × cap |
| Can my business cash pay the instalments? | DSCR calculator | (Profit + depreciation + interest) ÷ (interest + principal) |
| How much of my CC limit can I use? | Drawing power | (Stock + dues − supplier dues) × (1 − margin) |
| What working capital limit fits my sales? | CC/OD limit | Based on yearly sales and the money stuck in stock and dues |
| What will registration cost in Tamil Nadu? | Stamp duty | Higher of agreement and guideline value × (7% + 2%) |
| Is moving my loan to a new bank worth it? | Balance transfer | EMI saving × months left − switching cost |
Working capital calculators: drawing power and CC/OD limit
Banks ask for these papers every month and every year. Build them here.
Good for · Cash credit limit estimate
Working capital limit
See a fair size for a cash credit limit before you talk to the bank.
Free estimate.
Check limit free →Good for · Yearly renewal
Working capital renewal help
See which papers are missing before yearly cash credit renewal.
₹1,499. Preview free.
Check renewal gaps →Good for · CC/OD enhancement
CC / OD limit enhancement
Sales grew — what bigger cash-credit or overdraft limit can you ask for?
₹1,499 / scenario · preview free.
Plan enhancement →Good for · Renewal guide
Renewal notes
What usually must be ready before yearly renewal.
Guide.
Read guide →Loan against property and LRD calculators
Check size, rates, and switch costs before you pledge property or rent.
Good for · Rent-backed loans
Rent-backed loan size
How much loan rent on a building might support.
Free estimate.
Check size free →Good for · Rent loan deals
LRD Cashflow Pro
Rent roll, empty months, step-ups, escrow and EMI coverage for a rent-backed loan.
₹999 / deal · preview free.
Model rent deal →Good for · TN loan papers map
Tamil Nadu property papers map
Which papers Tamil Nadu property loans often need — LAP, LRD and purchase.
Free core · ₹499 pack.
Map TN papers →Good for · Bank rates
Chennai rate tracker
Official bank rate pages for property and rent loans.
Links go to the bank rate pages we show.
See bank rates →Good for · Rate switch
Balance transfer
Does a lower rate still save money after switch costs?
Free.
Calculate free →Good for · TN stamp cost
Tamil Nadu stamp duty
Rough stamp and registration cost on a sale.
Check the Tamil Nadu land registration portal before you pay.
Estimate stamp →EMI, eligibility, DSCR and stamp duty calculators
Quick checks anyone can run before asking for a loan.
Good for · Monthly payment
EMI calculator
Monthly payment and interest schedule.
Free. No sign-up.
Calculate EMI free →Good for · First size check
Eligibility
Which limit applies first — income or property value.
Free estimate.
Check eligibility →LAP eligibility from ITR
Business owner? Use your last two tax returns to see the loan size.
Free estimate.
Check from ITR →DSCR calculator
Can your business cash pay the term loan instalments? With a bad-year test.
Free.
Check DSCR →
Written and reviewed by CA Jitendraa Rathi, Chartered Accountant (CA membership number 217936) · Ex-banker, 20 years of experience in credit and lending · LinkedInLast reviewed · Expert review: CA Jitendraa Rathi (ICAI 217936)
Frequently asked questions
Where can I prepare CMA data online for a bank loan?
Use the JR CMA pack at /tools/cma-preparer/. Year 1 look is free. Full multi-year pack is ₹999 once after Google sign-in. The CMA data maker builds Forms I–VI style numbers banks often ask for.
Where do I make a project report for a bank loan online?
Use /tools/project-report/. Preview free. Clean PDF ₹1,499 once after Google sign-in. The project report online maker combines the business story and projections.
Where is the stock statement format for bank cash credit?
Use /tools/stock-statement/. Preview free. ₹199 one month or ₹2,999 a year.
Where can I do a drawing power calculation?
Use the free Drawing Power Studio at /tools/drawing-power/. Pair it with the paid stock statement pack when you need the monthly paper.
What papers help yearly working capital / cash credit renewal?
Use WC Renewal Navigator at /tools/wc-renewal-navigator/ (₹1,499) with the CMA pack (₹999) and monthly stock papers.
Where can I model a CC / OD limit enhancement?
Use the CC / OD Limit Enhancement Engine at /tools/cc-od-enhancement/ (₹1,499 per scenario). Preview free.
Do free tools need personal data?
No. Free tools run in your browser. Paid tools need Google sign-in after you pay, on the same email you paid with.
Who are these loan paper tools for?
Business owners, CAs and finance teams who must give papers to a bank for working capital, term loan, LAP or rent-backed loan.
What is the difference between CMA data and a project report for a bank loan?
CMA data (Forms I–VI style) shows past and projected financials for working-capital or term-loan appraisal. A project report adds the business story and projections when the bank wants more than bare CMA numbers. Start with the CMA data maker at /tools/cma-preparer/ or the project report tool at /tools/project-report/.