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AURA FINANCIAL AI
Banking & Credit Suite
₹ BANKING CREDIT & LOAN APPRAISAL SUITE

Calculate DSCR, MPBF & 31 Financial Ratios in Seconds

Designed specifically for Fresher Bankers, Loan DSAs, NBFC Credit Officers, and 20+ Year Banking Experts. Automate complex loan eligibility calculations and generate bank-ready PDF balance sheets instantly.

🔒 Anti-Abuse Device Lock • 100% Made in India • Email: info@aurainfosolution.in
Aura Financial AI Loan Analysis Dashboard for Bankers and DSAs
LIVE APP SCREENSHOT
Banking Credit Analyst & DSA Loan Ratio Engine

Who Uses Aura Financial AI?

Trusted across India by finance professionals handling MSME & commercial loan appraisals.

🏦

Fresher Bankers

Learn and master financial ratio analysis and credit appraisals effortlessly.

💼

Loan DSAs & Agents

Pre-evaluate client loan eligibility and DSCR before submitting bank files.

🏛️

NBFC Officers

Speed up working capital limit calculations (MPBF) and risk assessments.

⭐

20+ Yr Banking Experts

Eliminate manual Excel calculations with automated PDF ratio reports.

31 Live Computed Ratios

Key Ratios Evaluated in Loan Appraisal

Aura Financial AI automatically computes all standard RBI & bank benchmark ratios.

Solvency & Debt Ratios

✓ DSCR (Debt Service Coverage Ratio)
✓ Debt-Equity Ratio
✓ Interest Coverage Ratio
✓ Total Outside Liabilities / TNW
✓ Fixed Asset Coverage Ratio

Liquidity & Working Capital

✓ Current Ratio (Min 1.33 Benchmark)
✓ Quick Ratio / Acid Test
✓ MPBF Working Capital Limit
✓ Inventory Turnover Days
✓ Debtors Collection Period

Profitability & Growth

✓ Gross Profit Margin (%)
✓ Net Profit Margin (%)
✓ Return on Capital Employed (ROCE)
✓ EBITDA Margin
✓ Year-on-Year Sales Growth (%)

How It Works in 3 Steps

Generate bank-ready ratio reports in under 60 seconds.

1

Enter Financial Figures

Input basic P&L and Balance Sheet numbers into the interactive form.

2

Instant AI Ratio Computation

Our financial engine computes 31 live ratios, DSCR, and MPBF limits instantly.

3

Export PDF Report

Download a clean, professional PDF financial report ready for credit committee submission.

Frequently Asked Questions

Is Aura Financial AI free to try?

Yes! Every registered user receives a 30-Day Free Trial with full access to all banking ratios, MPBF limits, and PDF reports. After 30 days, premium features are locked until upgraded to an active plan.

Does it calculate DSCR for term loans?

Absolutely. The engine computes Gross DSCR and Net DSCR taking principal repayment and interest obligations into account.

Can I use it on both Mobile and Desktop?

Yes. You can access the Web App instantly in your browser or download the Android APK file.

Ready to Speed Up Your Banking Credit Appraisals?

Join hundreds of bankers and DSAs across India automating financial reports.