CMA Data
Done-for-you by Company Mitra's qualified experts — 100% online, transparent pricing, no running around.
- 5 to 8 working days
- 100% Online
- Qualified Experts
- Secure Payment
What you get
- CMA data report in PDF
- Editable Excel working
- MPBF and working capital assessment
- Ratio and DSCR analysis
- Signed hard copy for bank submission
Documents required
Keep these ready — scanned copies or clear phone photos are fine.
- Audited financial statements for last 2 to 3 years (Company) – Mandatory
- ITR acknowledgements for last 2 to 3 years (Company) – Mandatory
- Provisional financials for current year (Company) – Mandatory
- Existing loan sanction letters and statements (Company) – Optional
- Stock and debtors statement (Company) – Mandatory
- GST returns summary (Company) – Optional
- PAN and KYC of promoters (Director) – Mandatory
How it works
5 to 8 working days after complete documents
- 1Share loan details
- 2Tell us the bank, type of facility and amount required.
- 3Upload documents
- 4Share past financials, ITRs and current year figures.
- 5Draft CMA
- 6We prepare projections and ratios and share a draft for discussion.
- 7Final report
- 8You receive final CMA data in PDF and Excel plus a signed hard copy.
About CMA Data
Overview
CMA data (Credit Monitoring Arrangement) is the financial report banks use to assess working capital limits, term loans and renewals. Company Mitra prepares accurate, bank-ready CMA data for MSMEs, traders, manufacturers and service businesses across India.
The report covers past audited figures, current year estimates and projections for the coming years in the standard Forms I to VI format. We assess working capital requirement and maximum permissible bank finance, and compute key ratios such as current ratio, TOL/TNW, interest coverage and DSCR, so that your proposal meets bank norms.
- Bank-format CMA in PDF and editable Excel
- Realistic projections with a clear assumptions sheet
- Signed hard copy for submission
The listed price is a starting fee. The final fee depends on the loan amount, business complexity and number of years projected. Read our project report service if you are starting a new unit.
Who needs it
- MSMEs applying for cash credit or working capital limits
- Businesses seeking term loans from banks or NBFCs
- Borrowers renewing or enhancing existing bank limits
- Businesses applying under MUDRA or CGTMSE-backed loans
What's included
Included:
- CMA data in the standard bank format (Forms I to VI)
- Past audited figures, current year estimates and 2 to 5 years of projections
- Assessment of working capital and MPBF (maximum permissible bank finance)
- Ratio analysis including current ratio, TOL/TNW and DSCR
- Fund flow statement and assumptions sheet
- Final fee depends on loan amount and number of years projected
Not included:
- Bank processing fees and stamp duty
- Detailed project report for new projects (separate service)
- Statutory audit of past financials
- Loan sanction guarantee
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 bank prescribed format used to assess working capital and loan limits.
How many years of projections are needed?
Usually the current year estimate plus 2 to 5 years of projections, depending on the bank and loan tenure.
Can you match my bank's format?
Yes. We prepare CMA in the format required by your bank or NBFC.
Does CMA data guarantee loan approval?
No. The bank decides based on its own credit appraisal, but well-prepared CMA data improves your presentation.
Compliances after this
- Submit the CMA with your loan application and KYC to the bank.
- Share stock and debtor statements with the bank as required under the sanction.
- Update CMA at each annual renewal of limits.
