Let take an example, I have a service entrance main panel with 1,000A main breaker, downtream of this main breaker we have following breakers(A,B,C,D,E):
A. 100A
B. 200A
C. 300A
D. 400A
E. 500A
According to the rule, total downstream breakers size is (100+200+300+400+500) = 1,500A which is greater than 1,000A (main board breaker size) and this is allowed by code.
However, the real load draws by each above breaker as following:
A. 60A
B. 155A
C. 210A
D. 290A
E. 380A
The total Amp we will see at main panel bus is:
(60+155+210+290+380) = 1,095A
So, the question is the downstream breakers are still fine with above load, but will the main breaker (1000A) in the board be tripped cause the load see at its main bus is larger than breaker size.