CMA Data Generator
Generate Bank-ready Credit Monitoring Arrangement (CMA) reports with multi-year sensitivity. Audit 2026-compliant projections and detect unrealistic revenue growth patterns.
Multi-Year Financial Projections
A CMA Data report provides a three-year financial view: **Actuals** (History), **Estimates** (Current), and **Projections** (Future). 2026 Credit Audit benchmarks require that sales projections $>20\%$ growth must be backed by tangible order-book evidence, while maintaining a Current Ratio $\ge 1.33$ for MPBF Method II eligibility.
CA / DSA Client Customizer & Auto-Projector
Manage whitelabel details, target bank parameters, and run growth simulations
CA / DSA Client Profile Customization
YoY Financial Auto-Projector
Project year-three numbers (Projections) automatically based on year-two (Estimates) figures using a growth multiplier.
Bank-Specific Format Comparison Matrix
| Bank Format | Associated / Supported Banks | Salient Format Features | Key Audited Metrics |
|---|---|---|---|
| SBI & PSB Standard | State Bank of India, Bank of Baroda (BoB), Indian Overseas Bank (IOB), UCO Bank, Central Bank, Indian Bank, Bank of Maharashtra | Default RBI Credit Guidelines, Form I (Operating Statement), Form II (Balance Sheet), Form III (Ratios). | Current Ratio ≥ 1.33 TOL / TNW < 4.0 |
| PNB & Northern Banks | Punjab National Bank, Punjab & Sind Bank | Adds a detailed **Projected Fund Flow Summary** (Sources vs. Applications of funds) inside Form II. | Net Working Capital Fund Flow Balance |
| Canara & Central | Canara Bank, Bank of India (BoI) | Adds a **Detailed MPBF Table** showing step-by-step Net Working Capital gap and margin calculations. | Method I & II MPBF Borrower Margin (25%) |
| Union & Consortium | Union Bank of India, IDBI Bank | Adds a **Consortium Exposure Allocation Table** on the Cover sheet detailing lead and member bank shares. | Consortium Limits Exposure Share % |
| HDFC & Private Banks | HDFC Bank, ICICI Bank, Axis Bank, Kotak Bank, IndusInd, Yes Bank, Federal Bank, IDFC First | Adds private-banking specific **Leverage Ratio (Total Debt / EBITDA)** to Form III (Ratios). | Leverage Ratio < 3.5 EBITDA & Net Margin % |
CMA Data (Multi-Year)
Swipe horizontally to view all multi-year projection columns
| FINANCIAL CATEGORY (Cr) | Actuals (FY23) | Estimates (FY24) | Projections (FY25) |
|---|---|---|---|
| PROFIT & LOSS PERFORMANCE | |||
| Gross Sales / Turnover | |||
| Operating Profit (EBITDA) | |||
| Interest Charges | |||
| Profit After Tax (PAT) | |||
| ASSET ALLOCATION | |||
| Fixed Assets (WDV) | |||
| Total Current Assets | |||
| Intangible Assets | |||
| CAPITAL & LIABILITIES | |||
| Capital / Core Equity | |||
| Reserves & Surplus | |||
| Other Current Liabilities | |||
| AUDIT DIAGNOSTICS | |||
| Tangible Net Worth (TNW) | |||
| Current Ratio (Liquid) | |||
| MPBF Method I (Nayak / Turnover) | |||
| MPBF Method II (Tandon Committee) | |||
| Recommended Bank Finance (Max of I & II) | |||
RBI Working Capital Assessment Guidelines (MPBF)
- Method I (Nayak Committee / Turnover Method): Mandated for working capital limits up to Rs. 5 Crores. Bank finance is assessed as 20% of the projected gross turnover (based on 25% working capital requirement with 5% borrower margin).
- Method II (Tandon Committee): Required for working capital limits exceeding Rs. 5 Crores. Assesses credit limits based on 75% of Current Assets minus Current Liabilities, ensuring a minimum Net Working Capital (NWC) contribution of 25% from long-term sources.
- Our engine automatically computes both Methods and highlights the recommended appraisal limit above.
Revenue & EBITDA Projection
Liquidity (Current Ratio) Trend
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