Can the business service more debt — and how much?
DSCR = operating income ÷ debt repayments. Most banks want 1.25× or higher — i.e. you earn ₹1.25 for every ₹1 of loan payments. At your numbers you have about ₹1.40 L/month of spare servicing capacity, which supports roughly ₹79.31 L of new borrowing at 12% over 7 years. This is an estimate — actual eligibility also depends on collateral, credit history, and the lender's policy.