Prepare a Complete CMA File in 2 Hours, Not 2 Days
Empower your practice with RBI-compliant CMA generation, instant forensic diagnostics, automated AI credit narratives, and bank-grade multi-sheet Excel exports.
Are you a DSA or Loan Agent?
We have a dedicated hub tailored specifically with sourcing toolkits, project report checklists, and client eligibility scores.
Automated Credit Pipeline
The Ultimate 4-Step CMA Appraisal Workflow
CMA Generator
Input 3-year data or import previous balance sheets to populate operating metrics.
Forensic Check
Live audit engine detects window-dressing, cash flow warning signs, and ratio stress.
AI Appraisal Notes
Generates ready-to-submit analytical commentaries for credit officer reviews.
Excel Pro Export
Download structured 4-sheet appraisal workbooks styled with bank-standard templates.
Stakeholder Tools Launcher
Appraisal Utilities Mapped for CA & DSA Workflows
Client File Manager
View your saved reports, organize appraisals by client, track submission statuses, and re-open files instantly.
CMA Data Generator
Create Form I operating statements, Form II balance sheets, and Method I & II limits.
Open Generator →Depreciation Calculator
Calculate year-wise SLM/WDV fixed asset depreciation schedules for direct copying into CMA spreadsheets.
Open Calculator →EMI & Repayment Calculator
Generate amortization schedules or run reverse calculators to find repayment tenure from target EMIs.
Open Calculator →Project Report Wizard
Build comprehensive 10-page banker-compliant project reports. Auto-configures parameters for PMEGP and Mudra loans.
Open Wizard →Bank Statement Analyzer
Scan client PDF bank statements. Categorize transactions, verify averages, and flag cash-pooling.
Analyze Statement →Pre-Submission Checker
NEW MODERun stress-tests on your client's Current Ratio, Interest Coverage, and Sales Growth to catch exceptions before banker review.
Loan Sanction Predictor
Predict limits, sanity-check borrower profiles, and check bank parameters to verify sanction odds.
Predict Sanction →Ratio Stress Simulator
Stress-test borrower financial health by adjusting operating capital, margins, and gearing.
Simulate Stress →Consortium Legal Templates
Instant access to Board Resolutions, Deeds of Hypothecation, and Pari-Passu Agreements.
Explore Templates →Appraisal Comparison
Why Professional Advisors Choose CredWisdom
| Features | CredWisdom Hub | Manual Excel Sheets | Legacy Web Builders |
|---|---|---|---|
| Appraisal Speed | Under 2 Hours | 2-3 Working Days | 12-24 Hours |
| Forensic Check Compliance | Live 2026 Audit Engine | None (Manual Review) | Basic Ratio Validation |
| MPBF Formula Precision | Nayak (I) & Tandon (II) | Variable Formulas | Tandon Only |
| Export Format Quality | Bank-Ready 4-Sheet XLS | Unformatted Sheet | Protected Single Sheet |
| GSTIN Verified Auto-fill | Instant Integration | None | Manual Copy Paste |
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