Bank Stock Statement & Drawing Power
Check your Drawing Power free in 30 seconds. Then, if you need it, get the statement in your bank's own format — PNB-938, SBI Annexure-II or Bank of Baroda's three annexures — as PDF or editable Word.
- ✓Free DP calculator — no signup
- ✓₹299 for the full bank-format statement
- ✓Carry last month forward next time
Free Drawing Power Calculator
Enter amounts in ₹ as on your statement date. Use only paid, insured stock and debtors within your ageing limit.
Assets & creditors
Paid & insured. Leave out obsolete or over-age stock.
Deducted from stock first — that is what makes it paid stock.
Within the ageing limit, usually 90 days.
You may draw the lower of DP and this limit.
Margins (from your sanction letter)
Typically 25% — you get 75%.
Typically 40% — you get 60%.
To check whether the account is in order.
Enter your figures above and press Calculate.
Now get it in your bank's own format
The number above is only half the job. Your branch wants the statement on their printed proforma, signed, with the annexures attached. That is what this does.
This is what you get
Real output from the tool — switch banks to see each format.
| STOCK STATEMENT FOR THE MONTH OF Jul 2026 | ANNEXURE-1 |
| NAME OF THE A/c : M/s Shree Balaji Textiles | Value of Stock as on : 31/7/2026 |
| Address : Plot 42, VKI Area, Jaipur | Branch : VKI Area, Jaipur · A/c No : 12345678901234 · Limit : ₹ 50,00,000 |
| Sr. No. [i] | Particulars of Stock/Item [ii] | Unit (Kgs/Bags) [iii] | Last Bal. (Qty) [iv] | Receipt (Qty) [v] | Delivered/ Issue (Qty) [vi] | Bal. No of Units Avail. [vii] | Method of Inv. Valuation [Lifo/Fifo] [viii] | Rate Per Unit [ix] | Value of Item [x]=vii×ix |
| 1 | Raw Materials | ||||||||
| Cotton Yarn 30s | Kg | 1,200 | 800 | 600 | 1,400 | FIFO | 260 | 3,64,000 | |
| Dyes & Chemicals | Kg | 300 | 150 | 180 | 270 | FIFO | 420 | 1,13,400 | |
| [a] | Sub Total Raw Materials :~> | 4,77,400 | |||||||
| 2 | Stock in Process | ||||||||
| Grey Fabric (in process) | Mtr | 900 | 2,100 | 1,800 | 1,200 | FIFO | 150 | 1,80,000 | |
| [b] | Sub Total Stock in Process :~> | 1,80,000 | |||||||
| 3 | Finished Goods | ||||||||
| Finished Fabric | Mtr | 2,000 | 3,400 | 2,900 | 2,500 | FIFO | 310 | 7,75,000 | |
| [c] | Sub Total Finished Goods :~> | 7,75,000 | |||||||
| 4 | Stores,Spares/Other Inventory | ||||||||
| Packing Material | Pcs | 500 | 400 | 300 | 600 | FIFO | 45 | 27,000 | |
| [d] | Sub Total Stores,Spares/Other Inventory :~> | 27,000 | |||||||
| [e] | Total Value of Stocks [e] = a+b+c+d | 14,59,400 | |||||||
| OTHER INFORMATION | AMOUNT |
| [A] Value of Raw Material, Stores, Spares etc. under DALCs / Co-acceptance | NIL |
| [B] Trade Creditors [Excluding DALCs] of Raw Materials, Stores & Spares etc. | 3,10,000 |
| [C] Total Value of Raw Material, Stores-Spares etc. procured and remaining unpaid [A+B] | 3,10,000 |
| Policy No | Risks Covered | Assets Insured | Sum Insured | Valid Up to | Insured by | Bank Clause [Y/N] |
| FIRE/2026/44821 | Fire & allied risks | Stocks | 25,00,000 | — | — | — |
| Verified Branch Manager |
Godown Keeper Signature |
FOR M/s Shree Balaji Textiles DESIGNATION — PROPRIETOR / AUTHORISED SIGNATORY |
Sample data. Your statement carries your firm, your bank, your branch and your figures.
- ✓Your bank's exact annexure — PNB-938, SBI Annexure-II, BOB 3-annexure
- ✓Item-wise quantity flow: opening + receipt − delivered = closing
- ✓Party-wise book debts with ageing
- ✓Drawing Power annexure computed the banker's way
- ✓PDF and editable Word download
- ✓Corrections and re-downloads stay free
Self-service · 1 statement · You fill the data and sign it yourself
Your access link is emailed here — use a real one.
Add it and your invoice is raised as B2B, so you can claim input credit.
PDF + editable Word · ready in minutes
No account needed. Payment is handled by Razorpay — we never see your card details.
How it works
Pay ₹299
Name, email and mobile. No account to create. Payment via Razorpay.
Open the tool from your email
We email you a link straight away. It opens the builder — no password.
Fill your figures
Pick your bank and the form changes to that bank's own columns. Drawing Power updates as you type.
Download and sign
PDF for the branch, Word if you want to edit. Print, sign, submit.
Next month
Come back with the same email and press “carry forward”. Last month's closing stock becomes this month's opening, so the quantity reconciliation your banker checks is already lined up. You only fill what changed.
What is a stock statement?
If you have a cash credit (CC) or working capital limit against stock and book debts, your bank asks for a stock statement — usually every month. It declares what stock you hold, what you are owed by customers, and what you owe suppliers, as on a date.
From it the bank works out your Drawing Power: the most you are allowed to draw right now. Drawing Power moves every month with your stock and debtors, which is why the statement is a recurring obligation and not a one-time form.
Submit it late, or submit figures that do not tie to your books, and the branch can classify the account as irregular — which affects your limit at renewal and, in the worst case, your credit rating.
The Drawing Power formula
- 1Paid stock = eligible stock − creditors for purchases
- 2DP against stock = paid stock × (100% − stock margin%)
- 3DP against debtors = eligible debtors × (100% − debtor margin%)
- 4Drawing Power = DP against stock + DP against debtors
- 5You may draw the lower of Drawing Power and your sanctioned limit
The order matters
Creditors must come off the stock value before margin is applied, not after. Applying margin first and then deducting creditors understates your DP by the margin percentage of your creditors — on ₹10 lakh of creditors at 25% margin, that is ₹2.5 lakh of drawing power you were entitled to and did not get. Your bank's own annexure deducts creditors first; so do we.
A worked example
A Jaipur textile unit with a ₹50 lakh CC limit, as on 31 July:
| Eligible stock | ₹14,59,400 |
| Less: creditors for purchases | − ₹3,10,000 |
| Paid stock | ₹11,49,400 |
| Less: stock margin at 25% | − ₹2,87,350 |
| DP against stock | ₹8,62,050 |
| Eligible book debts (≤ 90 days) | ₹6,40,000 |
| Less: debtor margin at 40% | − ₹2,56,000 |
| DP against debtors | ₹3,84,000 |
| Total Drawing Power | ₹12,46,050 |
The limit is ₹50 lakh but the Drawing Power is ₹12.46 lakh, so this unit may draw ₹12.46 lakh — not the sanctioned limit. That gap is the single most common surprise on a stock statement.
Free calculator vs paid statement
| Free calculator | ₹299 statement | |
|---|---|---|
| Drawing Power figure | ✓ | ✓ |
| Headroom and account status | ✓ | ✓ |
| Your bank's exact annexure (PNB / SBI / BOB) | — | ✓ |
| Item-wise quantity flow | — | ✓ |
| Party-wise book debts with ageing | — | ✓ |
| PDF and editable Word download | — | ✓ |
| Carry last month's closing forward | — | ✓ |
| CA certification with UDIN | — | on request |
Common mistakes that get a statement rejected
- ✕Including stock you have not paid for, without showing the creditors against it.
- ✕Counting debtors older than the ageing limit in your sanction letter.
- ✕Using a margin you assumed instead of the one printed in the sanction letter.
- ✕Stock value that does not tie back to your books or your GST returns.
- ✕Uninsured stock, or an insurance policy that lapsed mid-period.
- ✕Quantities that do not reconcile: last month's closing must be this month's opening.
Frequently asked questions
Yes. The Drawing Power calculator on this page is free and needs no signup. You pay ₹299 only if you want the statement produced in your bank's own format as PDF or Word.
Still not sure?
Run the free calculator above. If the number looks right and you just need the paperwork, the ₹299 statement takes a few minutes. If something looks off, talk to our team.
This calculator is a working aid, not banking advice. Margins, ageing limits and eligible security are whatever your sanction letter says — always check it. Figures you enter here are not sent anywhere; the free calculator runs entirely in your browser.