What is CMA Data and How To Prepare CMA Data Required By Bank

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Credit Monitoring Arrangement (CMA) data

 

Credit Monitoring Arrangement, commonly known as CMA Data is the financial report used by lending institutions to appraise and analyse the financial position of a company before lending. Under the present rules, the Reserve Bank of India has mandated all banks to prepare CMA for lending to large borrowers.

 

  • Income Tax Returns of the Business and its owners
  • Last 2 years Audited Financial Statements
  • Provisional Financial statement for the year in which we are preparing CMA Data
  • Notes on assumptions used by us while preparing Projected Financial statements
  • Cost sheet of Direct and Indirect expenses
  • Normally in CMA Data, we have to provide 5 Years comparative financial statements

 

Credit Monitoring Arrangement Data

Particulars as on 31st March 2019 2020 2021 2022 2023
Actual Actual  Actual Estimated Projected
a) Equity Share Capital          
Other Reserves and P & L          
Tangible Net worth          
Term Liabilities          
  of which Unsecured Loans          
Capital Employed          
Net Block          
Non Current Assets          
of Which Funds Invested outside Business          
Adjusted Tangible Net Worth          
Current Assets          
Cash & Bank          
Investments          
Receivables          
Deferred receivable post 1 yr          
Inventory          
Advances to suppliers          
Advance payment of tax/VAT/IGST/etc          
Other Current Assets          
Current Liabilities          
Bank Borrowings          
Creditors for purchases          
Advances / payments from customers / deposits from dealers.          
Provisions (Tax & Other)          
Dividends Payable          
Statutory liabilities          
Installments dues          
Other Current Liabilities due within one year          
Net Current Assets          
Capital Deployed          
b) Operational Data          
Gross Sales          
Less: Excise / Sales Tax          
Net Sales          
Of which exports          
Other Operating Income          
Total non-operating Income          
Manufacturing expenses          
Adm. & Selling Expenses          
Depreciation          
Interest          
Net Profit before Tax          
Net Profit After Tax          
Dividend          
           
Profitability Ratio          
(NP/Sales) %          
Net Profit / Capital Employed          
Stock Turnover ratio (days)          
Debtor Turnover ratio (days)          
Creditors Turnover ratio (days)          
PAT / TNW          
Current Ratio(With TL installments)          
Current ratio without TL          
DE Ratio (TTL/ ATNW)          
DE Ratio (TOL/ATNW)          
Quasi DE Ratio (TOL/TNW)          
Quasi DE Ratio (TTL/TNW)          
Unsecured Loans (Quasi Equity)          
           
NET WORTH          
           
TOTAL OUTSIDE LIABILITIES          
Total Debt          
equity          
Debtors          
           
           
Gross sales          

 

Download cma data format-CMA Data required by bank

 

 

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