Revolving credit calculation
A revolving loan, or BCH (borçlu cari hesap), is drawn and repaid within a limit; interest follows how much was used for how many days. Bankacı values every movement on its own day count.
Updated: 2 November 2026
Interest by movement
Each draw and repayment is entered with its date; interest accrues on the balance in between for the days it stood, and is collected at the period's end.
Period close
Period interest and BSMV are added to the debt at the close; Bankacı shows the closing balance and that period's interest separately.
How the interest is worked out
For the balance left after each movement, interest = balance × annual rate × days / 360. The period's interest is the sum of those parts; BSMV is 5% of it.
Enter every movement
The calculation runs on the movements it is given. One missed deposit or drawing puts the period's interest out; entering them one by one from the statement is what makes the result agree with the bank's own accrual.
The length of the period changes the answer
Interest runs by the day but is accrued at the end of the period and added to the debt. Whether the period is monthly or quarterly therefore changes the total, and it has to match the bank's own period.
Frequently asked
How does it differ from an overdraft?
The mechanics are the same (interest by the day), but an overdraft is a consumer product under the CBRT maximum rate; revolving credit is a business product.
What does the interest run on?
Only on the amount actually used, for the days it is used; the unused part of the limit carries no interest. Movements are entered day by day.
When is the interest charged?
It accrues at the end of the period and is charged together with BSMV; Bankacı computes the interest and its tax for the period you enter.
What is BCH?
A business overdraft line: drawn and repaid at will within a set limit. Interest runs only on the amount used, for the days it is used, and is charged at the period's end together with BSMV.
See also: Business loan calculation · Spot loan calculation · Overdraft and credit card interest
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