Bank CMA Data Preparation Services
Credit Monitoring Arrangement (CMA Data) is a compulsory financial presentation required by nationalized and private banks in India before sanctioning or renewing cash credit (CC), overdraft (OD), or commercial loan facilities.
Disclaimer: This content is for general informational purposes only and does not constitute personalized legal or financial advice. For specific tax filings or audits, consult our qualified accountants directly.
6 Mandatory Statements in CMA Data
- Form I - Operating Statement: Past 2 years audited performance and 3 to 5 years projected Profit & Loss statement.
- Form II - Balance Sheet Analysis: Historical and projected liabilities, asset building, and net worth build-up.
- Form III - Comparative Current Assets & Liabilities: Detailed breakdown of raw material inventory, debtors, creditors, and trade advances.
- Form IV - Calculation of Working Capital Assessment: Tandon/Nayak Committee MPBF (Maximum Permissible Bank Finance) calculations.
- Form V - Funds Flow Statement: Source and application of funds across operating, investing, and financing cycles.
- Form VI - Key Financial Ratios: Current ratio, DSCR, TOL/TNW, inventory holding days, and debtor turnover days.
Why Bank Managers Reject Inaccurate CMA Reports
Unrealistic turnover growth rates, incorrect current ratio (< 1.33:1), or inflated inventory benchmarks trigger immediate credit risk flags in bank loan appraisal software.
Acharya's experienced Chartered Accountants prepare benchmarked CMA reports aligned with RBI norms and specific commercial bank credit policies.
Applying for Cash Credit or Business Loan Enhancement?
Get your CMA data prepared and verified by Chartered Accountants for fast bank credit approval.
Prepare My CMA Data