3-Statement Financial Model

Description
Most finance teams waste 6–8 hours before every board meeting reformatting spreadsheets, chasing broken links, and rebuilding the same model from scratch. This file ends that.
Change one assumption — revenue, margin, working capital days — and the entire P&L, Balance Sheet, and Cash Flow update instantly. Three scenarios built-in. Board-ready in minutes.
Built specifically for Indian mid-market companies (₹50–500 Cr revenue). April–March fiscal year. ₹ Crore formatting throughout.


WHAT'S INSIDE

• Assumption Dashboard — All drivers in one place. Revenue, gross margin, EBITDA margin, debtor/inventory/creditor days, capex, and debt. Change the yellow cells only. Everything else calculates automatically.
• 3-Scenario Toggle (Base / Bull / Bear) — One dropdown flips revenue, margins, capex, and working capital days simultaneously across all three statements. Bull and Bear scenarios flex more than just the top line — margins, capex multiplier, and WC days all adjust together.
• Fully Linked 3 Statements — Income Statement, Balance Sheet, and Cash Flow (indirect method) are dynamically linked. The cash flow is derived from the IS and BS — no manual plug, no fudging.
• Working Capital Schedules — Debtor, inventory, and creditor days drive receivables, payables, and inventory on the balance sheet automatically. Cash conversion cycle calculated and displayed.
• KPI Dashboard — Profitability ratios, WC days, FCF margin, Net Debt/EBITDA, and interest coverage. All auto-calculated. Paste directly into a board deck.
• Sanity Check Panel — Built-in margin verification and BS balance checker. Shows ✓ or ⚠ before you present. Zero formula errors across 6 linked sheets.
• Cover Sheet with Instructions — Colour coding guide, step-by-step usage notes, and print-ready formatting for A4 board deck inserts.

WHAT MAKES THIS DIFFERENT FROM OTHER TEMPLATES
Most Excel templates on the internet are either too simple (no scenario analysis, no WC schedules) or too complex (consultant-built 20-tab monsters nobody can navigate). This sits in the middle — institutional rigour, practical usability.
Specifically:

• Scenario logic flexes margins, capex, AND working capital days — not just revenue. Most templates only adjust the top line.
• Cash flow is derived using the indirect method — not a plug. If your BS doesn't balance, the model tells you.
• Built for India — ₹ Crore formatting, April–March FY, Indian WC norms baked into the default assumptions.
• Colour-coded to industry standard — blue inputs, black formulas, green cross-sheet links, yellow key assumptions. Any finance professional can open and navigate it immediately.