CMA Data - Loan up to Rs 50 Lakh
Done-for-you by Company Mitra's qualified experts — 100% online, transparent pricing, no running around.
- 3–5 working days
- 100% Online
- Qualified Experts
- Secure Payment
What you get
- CMA data report in bank format (PDF and Excel)
- Working capital assessment
- Projected balance sheet and P&L
- Ratio analysis and fund flow statement
- Loan repayment schedule
Documents required
Keep these ready — scanned copies or clear phone photos are fine.
- Audited financial statements of last 2 years (Company) – Mandatory
- ITR acknowledgements of last 2 years (Company) – Mandatory
- Provisional financials of current year (Company) – Mandatory
- GST returns summary of current year (Company) – Optional
- Existing loan sanction letters and statements (Company) – Optional
- Stock and debtors statement (Company) – Mandatory
- Proposed loan amount and purpose (Company) – Mandatory
How it works
3–5 working days after financials and loan details
- 1Share loan requirement
- 2Tell us the bank, loan type and amount required.
- 3Upload financials
- 4Share audited and provisional financials and existing loan details.
- 5Preparation
- 6We prepare CMA forms, projections and ratio analysis.
- 7Review
- 8You review the draft and confirm assumptions.
- 9Delivery
- 10Receive CMA data in PDF and Excel ready for the bank.
About CMA Data - Loan up to Rs 50 Lakh
Overview
CMA data (Credit Monitoring Arrangement) is required by banks to sanction and renew cash credit, overdraft and term loans. This package covers CMA data for loans up to ₹50 lakh. Company Mitra prepares past actuals, current year estimates and projections in the standard bank format, along with working capital assessment, ratio analysis and fund flow statement.
Banks study ratios such as current ratio, TOL/TNW and DSCR to decide the limit. We check that projections are realistic and consistent with your GST returns, ITR and stock statements so the proposal moves smoothly through credit appraisal and renewal reviews.
The CMA is reviewed by a Chartered Accountant and delivered in PDF and editable Excel. Revisions based on bank queries are included.
Who needs it
- MSMEs applying for cash credit or overdraft limits
- Businesses seeking a term loan loans up to ₹50 lakh
- Borrowers renewing or enhancing working capital limits
- Traders and manufacturers with growing turnover
What's included
Included:
- CMA data for loans up to ₹50 lakh in bank format
- Past 2 years actuals, current year estimate and 3 to 5 year projections
- Assessment of working capital and maximum permissible bank finance
- Fund flow statement and ratio analysis (current ratio, TOL/TNW, DSCR)
- Term loan repayment and interest schedule where applicable
- Revisions as per bank queries
- Fixed fee for CMA data for loans up to ₹50 lakh
Not included:
- Bank processing fee and stamp duty
- Statutory audit or stock audit
- Detailed project report for new projects
- CA certificate of net worth or turnover (available separately)
Ready to get started?
Place your order in 2 minutes — our expert takes it from there.
Frequently asked questions
What is CMA data?
Credit Monitoring Arrangement data is a set of past and projected financial statements in a standard format that banks use to assess working capital and term loans.
Which forms are included?
Typically existing and proposed limits, operating statement, balance sheet analysis, comparative current assets and liabilities, MPBF calculation and fund flow statement.
Do you need audited financials?
Audited figures are preferred for past years; for the current year provisional financials are used.
Will you handle bank queries?
Yes, revisions based on reasonable bank queries are included.
What if my loan is larger?
For loans above ₹1 crore or multiple entities we provide a custom quote based on scope.
Compliances after this
- Submit monthly or quarterly stock and debtors statements to the bank
- Get the loan account reviewed or renewed annually with updated CMA data
- Keep actual performance close to projections to avoid adverse review
