CMA Report Software for Bank Loans

CMA stands for Credit Monitoring Arrangement: the set of financial statements Indian banks ask for before sanctioning working capital finance and during the annual review of existing limits. Unlike a project report for a new investment, CMA data presents the borrower as a going concern — what the business owns and owes, what it earns, and how much short-term finance its operating cycle can support.

In practice, CMA data combines audited history with the current year's provisional figures and projections, all presented in a fixed format of interlinked statements. Because every statement draws on the same inputs, a change in sales growth flows through the operating statement into the balance sheet, the fund flow statement and the MPBF computation without retyping.

Banks use this pack to judge liquidity, leverage and debt servicing capacity, and to fix the maximum permissible bank finance. A CMA report prepared in Finxora follows the standard CMA format used by Indian banks, so the relationship manager receives statements in the layout their credit team already works with.

CMA data is asked for with most fund-based working capital facilities: cash credit, overdraft and working capital demand loans — new limits, enhancements and takeovers from another bank. Term loans with a working capital component usually need the same pack, since the bank assesses the whole borrowing together.

The second trigger is renewal. Working capital limits are typically reviewed every twelve months, and the review needs fresh CMA data with updated provisional figures and revised projections. Because each borrower's master stays saved, a renewal updates the provisional and projected years instead of rebuilding the file from scratch, and the comparative statements show the movement the bank wants to see.

If a facility letter does not name the statements, ask the relationship manager before the due date. Cash credit and overdraft renewals almost always need fresh CMA data; a small overdraft backed by deposits may only need account statements.

A CMA report built in Finxora holds the statements a bank's credit team expects, generated from one set of inputs so the figures agree across the pack. Each statement below is a separate working screen in the app, and each one feeds the download.

The download keeps the order the credit team works in, with year columns and ratio tables formatted for print. You choose which statements to include, so a renewal file and a first application can carry different annexures.

Every ratio in the pack is calculated, not typed. Finxora computes the full CMA ratio set from the operating statement and balance sheet figures and measures each one against bank benchmarks. Change any input and the ratios recalculate immediately.

MPBF deserves its own note because it decides the limit. Finxora computes the first method and the second method side by side from the same balance sheet, with the turnover-method requirement and excess borrowing alongside — so you can see which method binds and defend the assessed limit.

Preparation follows the same order for a first proposal and a renewal. The five steps below mirror the screens in the app.

Reading a format is easier than reading about one. The samples library carries a filled CMA report you can open before signing up, with the operating statement, balance sheet, MPBF computation and ratio tables shown exactly as they print. Open the sample, compare it with the format your bank shared, and then start your own file.

Samples download in the same PDF, Excel and Word formats the app produces. When the format looks right, check the CMA plans on the pricing page or start free with your first statement.