Business
Working Capital Calculator — Estimate in Seconds
The cash your operating cycle actually locks up.
₹5 Cr
₹1 L
₹5,00,00,000
₹1 Cr
0
60
365
0
45
365
0
30
365
0
30%
90
Working capital required
₹96,57,534
- Receivables53%
- Inventory28%
- Payables (offset)19%
- Cash conversion cycle
- 75 days
- Receivables locked
- ₹82,19,178
- Inventory locked
- ₹43,15,068
- Less: supplier credit
- ₹28,76,712
- Suggested CC limit (75%)
- ₹72,43,151
What this means.Every 10 days you cut from receivables frees roughly ₹13,69,863 of cash — usually cheaper and faster than raising a loan. Banks typically sanction a cash credit limit at 20–25% of turnover, adjusted for this cycle.
Worth knowing.Results are estimates based on the assumptions you enter. Actual outcomes depend on the exact terms offered to you, the compounding convention your institution uses, and tax law as it applies to your situation. Nothing here is personalised advice.
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