📌 What Is CMA Data & When Do You Need It?
CMA Data Is the Banker's Lens Into Your Business
Every credit decision a bank makes is based on the numbers in your CMA report. Inconsistent or poorly-prepared CMA Data is one of the top reasons for loan rejection or delayed sanctioning — even for fundamentally sound businesses.
New Cash Credit / OD Limit
First-time working capital facility application
CMA Required
CC/OD Renewal or Enhancement
Annual review or limit increase request
CMA Required
Term Loan Application
Machinery, expansion, or project term loans
CMA Required
Bank Guarantee / LC
Non-fund-based credit facility sanctioning
CMA Required
Multiple Banking / Consortium
Loans involving more than one bank/lender
CMA Required
Restructuring / OTS
Debt restructuring or one-time settlement proposals
CMA Required
📋 What's Inside a Complete CMA Data Report?
Form I
Particulars of existing/proposed limits from all banks — a snapshot of your total fund-based and non-fund-based facilities.
Form II
Operating Statement — past 2 years' actuals and 3-5 years' projected sales, costs, and profitability.
Form III
Analysis of Balance Sheet — assets, liabilities, and net worth, both actual and projected.
Form IV
Comparative Statement of Current Assets & Current Liabilities, used to calculate working capital gap.
Form V
Calculation of Maximum Permissible Bank Finance (MPBF) under the applicable method (Tandon Committee / Turnover Method).
Form VI
Fund Flow Statement — sources and applications of funds across the projected period.
Form VII
Key Financial Ratios — Current Ratio, DSCR, Debt-Equity Ratio, ROCE, and other lender-critical metrics.
✅ What's Included in Our CMA Data Service
✓Past Financials Analysis (2 Years)
✓3-5 Year Financial Projections
✓Operating Statement & Balance Sheet
✓Fund Flow & Cash Flow Statement
✓MPBF Calculation (Tandon / Turnover Method)
✓DSCR & Key Ratio Analysis
✓Bank-Specific Format (SBI/PNB/HDFC/Canara etc.)
✓Fund-Based & Non-Fund-Based Facility Mapping
✓Sensitivity Analysis (where required)
✓Alignment with Audited Financials & ITR
✓Bank Query Resolution Support
✓Revision Support if Bank Requests Changes
💼 CMA Data Preparation Fee Structure
| Service | Projection Years | Our Fee |
|---|---|---|
| CMA Data — Renewal / Enhancement (Existing Limit) | 3 Years | ₹3,499 |
| CMA Data — Working Capital Loan (New) POPULAR | 5 Years | ₹3,999 |
| CMA Data — Term Loan | 5-7 Years | ₹5,999 |
| CMA Data — Consortium / Multiple Banking | 5 Years | ₹8,999 |
| CMA Data — Restructuring / OTS Proposal | As Required | On Request |
| CMA Data — Large Corporate (>₹10 Cr Limit) | As Required | On Request |
* Fees depend on business complexity, number of bank facilities, and turnaround time required. GST extra as applicable. Call for an exact quote.
📊 Key Ratios Banks Scrutinize in CMA Data
DSCR ≥ 1.5
Debt Service Coverage Ratio — ability to service loan repayments
Current Ratio ≥ 1.33
Liquidity to meet short-term obligations
Debt-Equity ≤ 2:1
Leverage — how much debt relative to owner's equity
* These are general benchmarks; acceptable ranges vary by bank policy, industry, and loan type. Our team structures your CMA Data projections realistically while staying within ranges banks are comfortable approving.
📁 Documents You Need to Share with Us
📊 Last 2-3 Years' Audited Financial Statements
📋 Last 2-3 Years' Income Tax Returns
📈 GST Returns (Last 12 Months)
🏦 Bank Statements (Last 12 Months, All Accounts)
💳 Existing Loan Sanction Letters & Statements
📦 Stock & Debtors/Creditors Statement
🏭 Details of Proposed Expansion/Purpose of Loan
📝 Order Book / Sales Pipeline (if available)
🪪 Bank's Specific CMA Format (if provided)
📧 Existing Banker Details & Limit Sanctioned
🏆 Why Choose OneWay Tax Solutions LLP for CMA Data?
Accurate, Realistic Projections
We build projections grounded in your actual trends, not inflated numbers banks will reject.
Bank-Specific Formats
We prepare in the exact format your bank (SBI, PNB, HDFC, Canara, etc.) expects.
Fast 2-4 Day Turnaround
Most CMA reports delivered within 2-4 working days of receiving complete data.
100% Secure & Confidential
Your financial data is encrypted and handled with strict confidentiality.
Bank Query Support
CA on call to address any clarifications the bank's credit team raises.
Bundled with Audit & ITR
We ensure your CMA Data ties back perfectly to your audited financials and filed ITRs.
WhatsApp Status Updates
Real-time updates on report status — directly on WhatsApp.
Trusted in Jaipur since 2018
2000+ clients served. 5-star rated on Google. Walk-in available at our Jaipur office.
🔄 How It Works — 4 Simple Steps
1
Share Financials
Past statements, ITRs, GST returns & loan purpose
2
Build Projections
CA prepares realistic 3-5 year financial projections
3
Draft Review
CMA report shared for your review & confirmation
4
Bank-Ready Report
Finalized CMA Data delivered in the bank's required format
❓ Frequently Asked Questions
What is CMA Data and why do banks require it?+
CMA (Credit Monitoring Arrangement) Data is a standardized financial report that presents a business's past performance and future projections to help banks assess creditworthiness before sanctioning working capital limits, term loans, or other credit facilities. It includes balance sheets, profit & loss statements, fund flow statements, and ratio analysis, typically projected for the next 3-5 years.
What does MPBF mean in CMA Data?+
MPBF stands for Maximum Permissible Bank Finance — a calculation method used by banks (especially under the Tandon Committee method) to determine the maximum working capital limit a business is eligible for, based on its projected current assets, current liabilities, and the bank's margin requirements.
How many years of projections are typically required in CMA Data?+
Most banks require CMA Data with 2 years of past audited financials and 3-5 years of future projections, giving a total of 5-7 years of financial data, depending on the loan tenure and the specific bank's format requirements.
How is CMA Data different from a Project Report?+
CMA Data is primarily a financial monitoring format with ratio analysis and fund flow statements, typically required for working capital and term loan renewals/enhancements for an existing or new business. A Project Report is a broader document covering the business concept, market analysis, technical feasibility, and financial viability, usually required when a new project or significant expansion is being financed for the first time.
Can CMA Data be prepared without audited financials?+
For most banks, audited or at least provisional financial statements are required as the base for past-year figures. If your business is new or unaudited, we can prepare CMA Data based on provisional financials, management accounts, or ITR data, though some banks may require additional verification.
What happens if the bank's credit team raises queries on my CMA Data?+
This is common during loan processing. Our team reviews the bank's queries, provides clarifications, and revises the CMA Data projections or assumptions as needed — at no extra cost for minor revisions within a reasonable period after delivery.