Calculators
Real, working calculators built on specific RBI Master Directions and circulars -- not generic guesses. Where RBI does not fix a number (like penal charges or your bank's own margin %), the tool says so and asks for your own figure instead. Everything runs in your browser; nothing you type is sent to BankPulse.
Drawing Power Calculator live
Work out DP for a cash-credit/overdraft account from stock and receivables -- the calculation every credit officer does monthly.
IRAC / NPA Provisioning Calculator live
Pick an asset classification, get the exact RBI-required provisioning rate -- and which direction sets it.
CRAR / PCA Distance Tracker live
See how close a bank is to its regulatory capital minimum and to RBI's Prompt Corrective Action trigger levels.
PSL Shortfall & RIDF Cost Calculator live
See your Priority Sector Lending shortfall against the correct target for your bank type, and the RIDF deposit-rate consequence.
Penal Charges Calculator live
See what your bank's own flat penal charge comes to under RBI's 2024 regime, vs. the old compounding penal-interest system.
RBI Violation Exposure Score live
A self-check weighted by what RBI has actually fined banks for, using BankPulse's own tracked penalty history.