How To Calculate Cash Accruals For Getting Loan from Bank ?

I want to apply for a home loan with the bank, where it is required for a balance sheet with Cash Accruals. How to calculate Profit on the basis of Cash Accrual.

Cash Accruals is simply the sum of profit after tax (PAT), depreciation and non cash expenses or in simple

Cash Accruals = PAT +Depreciation + non cash expenses

Cash accruals are best suited for banks while keeping tab on proper cash flow of the companies or firm. It shows when the income and expenses happens. It means better indication of business performance..

Many banks like Canara Bank, Union Bank of India, PNB, SBI etc. are asking for Cash Accruals while financing to Non salaried class especially Mortgage based loans including Home Loan, Mortgage Loans and Rent.