Enter your financials once. Instantly preview 1-year CMA data free. Unlock full 7-year projections and Excel/PDF export when you need to submit to the bank.
Four simple steps from data entry to bank submission
Input audited P&L, Balance Sheet figures, loan details, and projections through a guided wizard.
Instantly see Form II–VI outputs, ratios, MPBF, and DSCR for Year 1. No payment needed to start.
Choose a plan — 1 day to 1 year. Get all projection years, remove watermark, and enable exports.
Export to Excel (8 formatted sheets) or PDF. Your CMA is ready for bank submission.
Complete CMA data package — generated automatically from your financial inputs
All 6 RBI-prescribed CMA forms generated automatically. Operating statement, balance sheet, fund flow, and more.
Up to 7 projection years with intelligent assumptions based on your audited data and industry benchmarks.
Automatic Maximum Permissible Bank Finance calculation for working capital assessment — Method I & II.
21 financial ratios across 4 categories with benchmark comparisons. DSCR, current ratio, debt-equity, and more.
Full asset-liability projections with auto-reconciliation. Identifies imbalances before you submit to the bank.
Fund flow statement and working capital movement. Helps bank understand your liquidity and repayment capacity.
Instant verdict — ✅ Likely Approved, ⚠️ Needs Improvement, or ❌ High Risk — with deficiency alerts and quantified corrective suggestions across DSCR, MPBF, leverage, and profitability.
Stress-test your projections at ±5%, ±10%, ±20% revenue and NPM scenarios. See exactly how MPBF and DSCR shift — the same tests credit officers run during appraisal.
Compare CC facility adequacy at 60–140% of applied amount. Model DSCR across different term loan amounts and repayment tenures side by side before approaching the bank.
Built for everyone involved in bank loan preparation
Applying for a working capital loan, CC limit, OD facility, or term loan from any bank or NBFC.
Preparing CMA data for multiple clients across industries, loan types, and bank requirements.
Handling multiple client loan files and needing quick, accurate CMA documentation for bank submissions.
A CMA report (Credit Monitoring Arrangement) is a structured financial document required by banks before sanctioning working capital loans, CC limits, OD facilities, and term loans. The CMA data format — prescribed by the RBI — includes 6 standard forms covering the Operating Statement (P&L), Balance Sheet analysis, Working Capital Statement, Cash Flow, and Fund Flow. Banks use CMA data to assess a borrower's financial health, repayment capacity, and working capital requirements.
For any credit facility above ₹10 lakh, Indian banks typically require CMA data as part of the loan appraisal process. The report helps the bank understand past financial performance (audited years) and future projections (estimated years), evaluate the Maximum Permissible Bank Finance (MPBF) using the Tandon Committee norms, and verify that the borrower's operations can service the proposed loan. Without a properly prepared CMA report in the correct format, loan applications are often delayed or rejected.
Our online CMA generator eliminates the need to build complex Excel models from scratch. You simply enter your audited financial figures and select your industry profile — the tool automatically generates all 6 CMA forms, computes MPBF using both Tandon methods, calculates DSCR for term loans, and produces ratio analysis. The output matches the CMA report format accepted by major public sector, private, and co-operative banks across India. Whether you need a CMA data Excel download or a PDF for physical submission, the tool handles both. It is the fastest CMA generator online for MSME loan applications.
Beyond standard CMA forms, the tool includes a built-in Sensitivity Analysis module that stress-tests your projections across seven revenue scenarios (±5%, ±10%, ±20% from base) and seven NPM scenarios. You can instantly see how MPBF and DSCR change under best-case and worst-case assumptions — the same stress tests credit officers apply during appraisal. The Loan Scenarios section compares CC facility adequacy at five different sanction amounts (60–140% of applied) and models DSCR across different Term Loan amounts and repayment tenures side by side. Ideal for CAs advising clients on the optimal loan structure before approaching the bank.
The Insights tab acts as an intelligent decision support system built directly into the CMA tool. Once the model is calculated, it analyses your projected financials across eight dimensions — DSCR, MPBF adequacy, profitability, leverage, liquidity, working capital, efficiency, and equity strength — and delivers an overall Loan Eligibility Verdict: ✅ Likely Approved, ⚠️ Needs Improvement, or ❌ High Risk. The system detects up to 16 types of deficiencies, including DSCR below threshold, CC limit exceeding MPBF, thin profit margins, excessive leverage, high debtor days, and eroding net worth. For each deficiency found, it generates quantified corrective suggestions — the exact PAT increase needed to reach a 1.50x DSCR, the percentage by which the term loan should be reduced, the equity infusion amount to bring TOL/TNW within the 3.0x bank benchmark, and the working capital freed by improving collection efficiency. This gives CAs and consultants a ready diagnostic before submission — fixing structurally weak financials before the bank’s credit officer flags them.
Here's what our users say about the CMA Data Tool
Need your CMA Data report signed and stamped by a practising Chartered Accountant? JS & Co provides CA-signed CMA reports accepted by all major Indian banks for working capital, CC, OD, and term loan sanctioning — delivered within 24 hours.
Preview for free. Unlock the full bank-ready report only when you need it. No subscription, no account.
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