Free tool

Dues ageing & DSO calculator

Most of a small hospital's money arrives at the counter the same day. The rest — corporate patients, credit given at discharge, balances left after an advance — becomes a receivable, and receivables have an age. This works out how many days it takes you to collect, and how your outstanding splits across the ageing buckets, which is where the answer about recoverability actually lives.

Updated 25 September 2026

In short

DSO is one number for the whole receivable pool. The ageing mix is what that number is hiding — the same DSO can come from a lot of young dues or a little very old debt, and those are different problems with different fixes.

DSO: (Outstanding ÷ credit revenue) × days
Buckets: 0–30 / 31–60 / 61–90 / 90+
Excludes: Anything collected at the counter
Does not estimate: How much is recoverable

Credit revenue for the period (₹)Billed value that was NOT collected at the point of service — exclude cash and UPI taken at the counter.

Days in the period90 for a quarter, 365 for a year. Must match the revenue figure above.

Outstanding, 0–30 days (₹)Bills raised 0–30 days ago and still unpaid.

Outstanding, 31–60 days (₹)Bills raised 31–60 days ago and still unpaid.

Outstanding, 61–90 days (₹)Bills raised 61–90 days ago and still unpaid.

Outstanding, Over 90 days (₹)Aged from the bill date, not the last follow-up call.

Days sales outstanding32.1 days

₹15,00,000 outstanding against ₹42,00,000 of credit revenue.

0–30 days	₹8,20,000	55%
31–60 days	₹3,10,000	21%
61–90 days	₹1,45,000	10%
Over 90 days	₹2,25,000	15%
Weighted average age	42.8 days	—

Reading it

DSO on its own will mislead you

Days sales outstanding averages the whole pool, so it flatters a hospital sitting on old debt as long as recent billing is healthy. Two hospitals can both report 40 days: one with everything owed to it raised last month, the other with half its dues over ninety days old and a burst of fresh billing masking it.

The ageing mix is what separates them, and the single figure worth watching is the share sitting beyond ninety days. That is the bucket where collection effort stops working — not because the money is legally gone, but because the people who remember the admission have moved on and the file no longer reconstructs itself.

Watch the mix month over month rather than the headline. A DSO that holds steady while the 90+ share climbs is a hospital quietly converting revenue into debt.

Honesty

What this deliberately does not tell you

It does not estimate how much of each bucket you will actually recover. Published write-off curves for Indian small-hospital receivables do not exist as far as we could find, and applying a borrowed figure — a US revenue-cycle benchmark, say — would turn arithmetic into a forecast wearing arithmetic's clothes.

The weighted average age uses bucket midpoints, and the 90+ bucket is open-ended, so it is treated as 120 days. That is a floor, not an estimate: real ageing in that bucket is routinely far worse, which means the average age this shows is the most optimistic number consistent with your inputs.

On where automation genuinely reduces cost rather than simply moving it, this piece works through it.

And it says nothing about whether a due is collectable in principle — a balance written off as charity, a corporate account under dispute and a patient who simply has not paid all sit in the same bucket here, and they are three different conversations.

The money numbers next to this one

In Trisvio

Ageing that updates itself

When every bill carries its own date and payment history, the ageing buckets are a report rather than a monthly spreadsheet exercise — and a balance cannot quietly age past ninety days without appearing on the dues list first.

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