app.py

import gradio as gr
import pandas as pd

def calculate_icr(
    ebit,
    term_loans,
    debentures,
    bonds,
    wc_loans,
    commercial_papers,
    intercorp_deposits,
    lease_liabilities,
    ecb,
    convertible_instruments
):
    interest_components = {
        "Interest on Term Loans": term_loans,
        "Interest on Debentures": debentures,
        "Interest on Bonds": bonds,
        "Interest on Working Capital Loans": wc_loans,
        "Interest on Commercial Papers": commercial_papers,
        "Interest on Intercorporate Deposits": intercorp_deposits,
        "Interest on Lease Liabilities": lease_liabilities,
        "Interest on External Commercial Borrowings": ecb,
        "Interest on Convertible Instruments": convertible_instruments
    }

    total_interest = sum(interest_components.values())

    icr = ebit / total_interest if total_interest != 0 else 0

    df = pd.DataFrame(
        list(interest_components.items()),
        columns=["Interest Expense Component", "Amount"]
    )

    summary = f"""
### Interest Coverage Ratio Summary

- **EBIT:** {ebit:,.2f}  
- **Total Interest Expenses:** {total_interest:,.2f}  

### **Interest Coverage Ratio (ICR) = EBIT / Total Interest Expenses**

**ICR:** {icr:.2f} times
"""

    return summary, df


with gr.Blocks() as demo:
    gr.Markdown("## Interest Coverage Ratio (ICR) Calculator")

    with gr.Row():
        ebit = gr.Number(label="EBIT (Earnings Before Interest and Taxes)", value=0)

    gr.Markdown("### Components of Interest Expenses")

    with gr.Row():
        term_loans = gr.Number(label="Interest on Term Loans", value=0)
        debentures = gr.Number(label="Interest on Debentures", value=0)
        bonds = gr.Number(label="Interest on Bonds", value=0)

    with gr.Row():
        wc_loans = gr.Number(label="Interest on Working Capital Loans", value=0)
        commercial_papers = gr.Number(label="Interest on Commercial Papers", value=0)
        intercorp_deposits = gr.Number(label="Interest on Intercorporate Deposits", value=0)

    with gr.Row():
        lease_liabilities = gr.Number(label="Interest on Lease Liabilities", value=0)
        ecb = gr.Number(label="Interest on External Commercial Borrowings", value=0)
        convertible_instruments = gr.Number(label="Interest on Convertible Instruments", value=0)

    btn = gr.Button("Calculate Interest Coverage Ratio")

    summary_output = gr.Markdown()
    table_output = gr.Dataframe()

    btn.click(
        calculate_icr,
        inputs=[
            ebit,
            term_loans,
            debentures,
            bonds,
            wc_loans,
            commercial_papers,
            intercorp_deposits,
            lease_liabilities,
            ecb,
            convertible_instruments
        ],
        outputs=[summary_output, table_output]
    )

demo.launch()