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Profit & Loss Calculator India — Business P&L Statement Generator
Generate a complete P&L statement for your business. Get gross profit, EBITDA, operating profit, and net profit with all margins — instantly.
P&L Formula: Revenue − COGS = Gross Profit → − Operating Expenses = EBITDA → − Depreciation = EBIT → − Interest = PBT → − Tax = Net Profit (PAT).
Key margins: Gross Margin = Gross Profit ÷ Revenue × 100. Net Margin = Net Profit ÷ Revenue × 100.
Key margins: Gross Margin = Gross Profit ÷ Revenue × 100. Net Margin = Net Profit ÷ Revenue × 100.
Enter Your Business Financials
💰 Revenue
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🏭 Cost of Goods Sold (COGS)
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⚙️ Operating Expenses
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📉 Below EBITDA
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📄 Profit & Loss Statement
Annual — FY 2025-26Net Revenue / Sales₹—
Raw Materials / Purchases—
Total COGS₹—
Gross Profit
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Total Operating Expenses₹—
EBITDA
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Net Profit (PAT)
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Gross Margin
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EBITDA Margin
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Net Margin
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💸 Cost Breakdown
📊 Revenue Waterfall
📊 Profit Margin Benchmarks by Industry — India 2026
How does your margin compare? Industry-wise typical gross and net margin ranges for Indian businesses:
| Industry | Gross Margin | EBITDA Margin | Net Margin |
|---|---|---|---|
| IT Services / Software | 40–65% | 20–35% | 15–25% |
| Professional Services (CA, Law, Consulting) | 60–80% | 25–40% | 20–35% |
| Retail (General Trade) | 15–30% | 5–10% | 2–5% |
| Restaurant / Food Service | 60–70% | 10–18% | 5–10% |
| Manufacturing (MSME) | 20–40% | 10–18% | 5–12% |
| E-commerce / D2C | 30–55% | 3–8% | 1–4% |
| Construction | 15–25% | 8–14% | 4–8% |
| Wholesale / Distribution | 5–15% | 3–7% | 1–4% |
| Healthcare / Clinic | 50–70% | 15–25% | 10–20% |
| Education / Coaching | 60–75% | 20–35% | 15–25% |
📖 How to Use This P&L Calculator
- Enter RevenueType your total annual net sales (after returns and discounts). Add other income (interest received, rental income) if applicable.
- Enter COGSCost of Goods Sold = raw materials/purchases + direct labour + freight and packaging. These are costs directly tied to producing your product or service.
- Enter Operating ExpensesIndirect costs: employee salaries, rent, utilities, marketing, admin, and other overhead. These are subtracted from gross profit to get EBITDA.
- Add D&A, Interest & TaxDepreciation on assets, interest on business loans, and income tax. The statement auto-generates all levels: EBIT, PBT, and Net Profit (PAT) with margins.
✅ Why Use This Calculator
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Full P&L Statement
Generates all 5 profit levels — Gross, EBITDA, EBIT, PBT, and Net Profit (PAT).
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Visual Charts
Cost breakdown doughnut and revenue waterfall bar chart — see where money goes.
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Industry Benchmarks
Compare your margins against 10 industry sectors typical for India.
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Margin Badges
Gross, EBITDA, and Net margin % shown prominently for quick comparison.
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Bank-Ready Format
Structure matches CA-certified P&L format used for loan applications.
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100% Private
No data stored or sent anywhere. Runs entirely in your browser.
❓ Profit & Loss — Frequently Asked Questions
What is a Profit & Loss statement?
A Profit & Loss (P&L) statement, also called Income Statement, summarises a business's revenue, costs, and expenses over a financial year. It flows from Revenue → Gross Profit (after COGS) → EBITDA (after operating expenses) → EBIT (after depreciation) → PBT (after interest) → Net Profit/PAT (after tax). It tells you whether the business made money and where every rupee of revenue went.
What is the difference between gross profit and net profit?
Gross Profit = Revenue − COGS (only direct production costs). Net Profit = Revenue − All costs including COGS, operating expenses, depreciation, interest, and tax. Example: ₹1Cr revenue, ₹60L COGS → Gross Profit ₹40L (40% margin). After ₹20L opex, ₹2L depreciation, ₹3L interest, ₹3L tax → Net Profit ₹12L (12% margin). Gross profit shows production efficiency; net profit shows overall business health.
What is EBITDA and how is it calculated?
EBITDA = Earnings Before Interest, Tax, Depreciation and Amortisation. EBITDA = Gross Profit − Operating Expenses (salaries + rent + marketing + admin). EBITDA Margin = EBITDA ÷ Revenue × 100. EBITDA measures core operating profitability without accounting choices (depreciation) or financing decisions (interest). Banks use EBITDA to calculate DSCR for loan eligibility. A healthy EBITDA margin varies by industry — 15–20% is good for manufacturing, 25–40% for services.
What is a good profit margin for a small business in India?
Typical net profit margins for Indian small businesses: IT/software services: 15–25%. Consulting/professional services: 20–35%. Manufacturing (MSME): 5–12%. Retail: 2–5%. Restaurants: 5–10%. E-commerce: 1–4%. Generally, a net margin above 10% is considered healthy for most MSMEs. Below 3% is precarious — any revenue dip could cause losses. Use the benchmark table above to compare your margins with your industry peers.
How do I reduce business losses and improve profitability?
Key profitability improvement strategies: (1) Improve gross margin — negotiate better supplier rates, reduce wastage, improve pricing. (2) Cut fixed costs — renegotiate rent, reduce unnecessary headcount, switch to variable cost models. (3) Reduce loan interest — refinance at lower rates, prepay high-interest debt. (4) Focus on high-margin products — drop low-margin SKUs that consume resources. (5) Use GST input tax credit properly. (6) Invest in automation to reduce direct labour costs over time.
🧾 Need a CA for P&L Statement or Business Accounting?
Find verified Chartered Accountants for P&L preparation, business accounting, and tax filing in your city.