Credit Monitoring Arrangement · Complete Bank Submission Format · All Forms I–VI + EMI + Ratio Analysis
1. Entity Type
2. Details
3. Credit Lines
4. Period
5. Audited Figures
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Entity Mode
Entity / Borrower Type
Reporting Unit
Banking & Industry
Industry Benchmark Profile:
💡 Add all credit facilities. For Term Loans / WCDL: enter the loan disbursement date for exact EMI & moratorium calculation (partial-year interest for first year).
ℹ️ New Entity: All years will be estimation-based. Set number of actuals to 0 on the Period settings or it will be ignored.
📌 Enter every line item from audited accounts exactly as per balance sheet and P&L. These values are not estimated — they are entered directly. Projections are derived from these base figures. Leave zero if not applicable.
Step 1 of 5
JS & Co
Accounting & Financial Consultants
Credit Monitoring Arrangement
CMA Data
Prepared for submission to the Lending Institution
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Address
PAN
GST No.
Constitution
Promoter / Director
Year of Est.
Banker / Lender
Reporting Unit
Purpose of Credit
Security / Collateral
Credit Facilities Proposed
Type
Amount
Rate % p.a.
Tenure
Moratorium
DISCLAIMER
This CMA report has been prepared based on information and financial data provided by the client/borrower. The projections are estimates based on stated assumptions and do not constitute a guarantee of future performance. JS & Co has not independently verified the underlying data. This document is prepared solely for the purpose of submission to the lending institution and should not be relied upon for any other purpose. JS & Co accepts no liability for decisions made based on this report.
Executive Summary
Credit Facilities Proposed
Key Financial Indicators
Revenue & Profitability Trend
MPBF Summary
Basis & Assumptions for Projections
Parameter
Value Assumed
Basis / Justification
Note: All projections are prepared on a going-concern basis. Actual results may differ materially from projections due to changes in market conditions, regulatory environment, or other factors beyond the control of the entity or JS & Co.
Declaration & Certificate
We have prepared the Credit Monitoring Arrangement (CMA) report for — based on the financial statements, books of accounts and information provided by the management of the entity. The projections contained herein are based on assumptions discussed with and approved by the management.
We have not audited or verified the underlying financial data. This report is prepared solely for submission to — for the purpose of credit appraisal and should not be used for any other purpose.
IMPORTANT DISCLAIMER
The projections and estimates contained in this CMA report are based on assumptions that were considered reasonable at the time of preparation. Future performance is inherently uncertain and actual results may differ materially from projections. JS & Co, its partners and staff accept no liability whatsoever for any loss or damage arising from the use of, or reliance on, this report by any party other than the intended recipient. This document is confidential and intended solely for the use of the addressee lending institution.
For JS & Co
Accounting & Financial Consultants
Partner
M. No.: ___________
For —
Authorised Signatory
Name & Designation: ___________________
Date: _______________
J S & Co
Credit Monitoring Arrangement — Bank Submission Format
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₹ Lakhs—
Model Assumptions & Projections Input
₹ Lakhs
Form II — Operating Statement
₹ LakhsAdd custom rows in Step 5 (Audited Figures)
🔒 Projection Years 2–5 are locked
Unlock Pro to view all projection years, export to Excel, and remove watermark.
Form III — Analysis of Balance Sheet (Liabilities Side)
₹ Lakhs⚠ BS not balanced
Form III — Analysis of Balance Sheet (Assets Side)
₹ Lakhs
Form IV — Comparative Statement of Current Assets & Current Liabilities
₹ Lakhs
Form V — Maximum Permissible Bank Finance (MPBF)
₹ Lakhs
Form VI — Funds Flow Statement
₹ Lakhs
Ratio Analysis — Bank Format
Revenue, EBITDA & PAT
Margin Trends
Balance Sheet Structure
DSCR Trend
Working Capital Position
Debt Profile
Print / Export CMA Report
Select sections to include in the printed output.
⭐ Pro: Your PDF will have a JS & Co watermark. Unlock Pro to remove it and enable Excel export.
Enter company name, constitution, industry, banker details, and loan facilities (Term Loan / CC / OD). This is the foundation — everything else is calculated from this.
2
Audited Figures (existing entities)
Enter 1–3 years of actual financials from audited accounts — sales, expenses, assets & liabilities. Skip this entirely for a new entity with no history.
3
Projections & Assumptions
Set growth rate, gross margin, depreciation rate, inventory days etc. For new entities: enter at least the Year 1 projected revenue in the Assumptions panel — the tool auto-calculates everything else.
4
Calculate & Print
Click ⟳ Recalculate All anytime to refresh all forms. When ready, use 🖨 Print / Export to choose which sections to include and save as PDF.
Key Tips & Features
🟡
Yellow / highlighted fields are editable. All assumption inputs (growth rate, margins, per-year revenue overrides) are shown with a yellow background. White rows in the forms are auto-calculated — do not need manual entry.
⚙️
Edit Setup button (top right) lets you change entity details, loan structure, number of audited years, or projection years at any time. All previously entered data is preserved when you return.
🏢
New entity with no audited history? Set Audited Years = 0 in setup. Enter projected Year 1 revenue in the Assumptions panel. The tool will auto-seed the opening balance sheet from your TL amount and calculate depreciation accordingly.
🏭
Industry-aware calculations. Select the correct industry (Manufacturing / Trading / Service) in setup. Inventory, cost structure, and direct expense patterns are automatically adjusted — no manual tweaking needed for each industry type.
📊
Forms auto-populate. All 6 CMA Forms (Operating Statement, Balance Sheet, CA/CL, MPBF, Funds Flow), EMI schedule, ratio analysis and financial charts are generated automatically. You only enter raw inputs — the tool does the rest.
🖨️
Print / Save as PDF. Use the Print / Export button to select which sections to include — cover page, executive summary, individual forms, charts, ratios. In the browser print dialog, choose "Save as PDF" to get a clean formatted document.
💾
Data is not saved between sessions. This tool runs entirely in your browser — no data is sent to any server. If you close or refresh the tab, your data will be lost. Save your PDF before closing.
Forms at a Glance
Form
What it shows
Key output
Form II
Operating Statement (P&L)
Revenue, GP, EBITDA, PAT
Form III
Balance Sheet
Assets, Liabilities, Net Worth
Form IV
Comparative CA / CL
Current ratio, Working capital
Form V
MPBF Computation
WC limit, MPBF, DSCR
Form VI
Funds Flow Statement
Sources & uses of funds
Ratios
Key Financial Ratios
TOL/TNW, DSCR, NWC, ROCE
⭐
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