Finance & GST · Free tool
Financial Health Scorecard
Drop your trial-balance numbers and get all the standard ratios (current, quick, D/E, ROCE, interest coverage, DIO, net margin) combined into a single 0-100 health score with red/yellow/green bands by Indian benchmark.
Seven ratios, one score
The composite Health Score combines liquidity, solvency, profitability, and efficiency ratios using India SMB benchmarks. Each ratio gets a green / yellow / red band and a sub-score; the weighted average becomes the 0–100 composite.
India SMB benchmark bands
| Ratio | Green | Yellow |
|---|---|---|
| Current ratio | 1.5 – 3.0 | 1.0 – 1.5 |
| Quick ratio | 0.8 – 1.5 | 0.5 – 0.8 |
| D/E | 0 – 1.0 | 1.0 – 1.5 |
| ROCE | ≥ 15% | 10 – 15% |
| Interest coverage | ≥ 3x | 1.5 – 3x |
| DIO | ≤ 60 d | 60 – 90 d |
| Net margin | ≥ 10% | 5 – 10% |
From snapshot to live monitoring
Run this manually per quarter; or connect FireAI to Tally and watch the same ratios refresh nightly with alerts on every degradation. Live financial dashboard.
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