' dscr ' for commercial mortgage lending ??

' DSCR ' FOR COMMERCIAL MORTGAGE LENDING .
Respected Members,,

Actually now i am preparing a projected profit & loss a/c  balance sheet & cma data (5 years ) of a SSI undertaking ( manufacturing business as well as labour jobs ) regarding loan purpose . That's why i need DSCR ratio of that concern. Business was started 2 years ago & now they needs some new plant & machinery for running that business & that's why proprietor of that business applied for a loan of Rs 10 LACS .

question:-
1) Perfect DSCR  as far as bank's requirement is concern ??

Thanks
Regards.