Effective Capital Calculator

Calculate effective capital using conservative (lender-focused) and operating (management) perspectives. Get comprehensive financial analysis with scenario comparisons.

Choose Formula

Scenario Compare

Show alternate scenario

Addable Items

Paid-up Share Capital

Share Premium

Reserves & Surplus

Long-term Loans

Long-term Deposits

Investments

Investments (Total)

Investment Type

Deductions / Reductions

Accumulated / B/F Losses

Preliminary / Deferred Expenses

Tip: Switch between Conservative and Operating mode to see lender vs management view.

Effective Capital (Live)

₹0

Healthy effective capital

Additions

₹0

Deductions

₹0

Visual — Proportion

Debt-to-Equity: N/A

Tangible Net Worth: ₹0

About Effective Capital

This calculator shows Effective Capital using two selectable perspectives:

Conservative (Lender-focused)

• Excludes non-strategic investments
• Treats accumulated losses as reductions
• Treats deferred expenses as reductions
• More stringent capital assessment

Operating (Management View)

• Includes strategic investments as available capital
• More flexible capital assessment
• Reflects operational reality
• Better for internal planning

Important Note

This tool provides quick guidance only. For certified bank submissions or ROC filings, consult Lawgical Station for professional assistance.