<P> The debt service coverage ratio (DSCR), also known as "debt coverage ratio" (DCR), is the ratio of cash available for debt servicing to interest, principal and lease payments . It is a popular benchmark used in the measurement of an entity's (person or corporation) ability to produce enough cash to cover its debt (including lease) payments . The higher this ratio is, the easier it is to obtain a loan . The phrase is also used in commercial banking and may be expressed as a minimum ratio that is acceptable to a lender; it may be a loan condition . Breaching a DSCR covenant can, in some circumstances, be an act of default . </P> <P> In corporate finance, DSCR refers to the amount of cash flow available to meet annual interest and principal payments on debt, including sinking fund payments . </P>

What is the meaning of dsr in banking
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