A CMA report in the wrong format or with mismatched ratios is the top reason banks delay CC/OD limit renewals and working capital sanctions. Our CA-signed, UDIN-verified CMA data is prepared exactly to your bank's format — wherever in India your business is based — so your file gets approved the first time.
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Whether your business is based in Mumbai, Delhi, Bangalore, Chennai, Kolkata or one of India's smaller MSME hubs, banks expect the same thing: a CA-signed, UDIN-verified CMA report built to the exact format your branch uses. We prepare CMA data for businesses across India, matched to their bank, sector and city — not a one-size-fits-all template.
Browse city-specific pages below, or use the form on this page if your city isn't listed yet — the process and turnaround time are identical everywhere.
Before you apply, know what trips up most CMA submissions — so yours doesn't.
Getting the MPBF (Maximum Permissible Bank Finance) calculation wrong under Tandon Method II is the single biggest reason CC/OD limits get reduced or CMA files get returned.
Banks require a Current Ratio of at least 1.25–1.33. Self-prepared CMA data often misses this threshold, triggering automatic rejection.
SBI, PNB, Bank of Baroda and Canara each use slightly different CMA templates. A generic format rarely matches what your bank's credit team expects.
A complete CMA data set prepared exactly to RBI/bank format.
Past 2 years actual + current year estimate + 5-year projection.
Bank-format projected balance sheets for the projection period.
Sources and application of funds mapped year on year.
Maximum Permissible Bank Finance under Tandon Method II.
Current Ratio, DE Ratio, DSCR, ROCE, and turnover ratios.
Existing vs proposed limits, laid out for the bank's credit team.
Businesses renewing an existing CC/OD limit this year
Businesses applying for a new working capital limit
Businesses seeking enhancement of an existing sanctioned limit
Anyone whose bank has asked for "CMA data" for a term loan
Businesses whose last CMA submission was returned or queried
MSMEs and companies with loans above ₹5 lakh (mandatory RBI/IBA threshold)
Not a template auto-fill. CA Rinky Vishwakarma personally reviews every CMA data set before delivery.
Built to SBI, PNB, Bank of Baroda and Canara formats — matched to your lender.
Every ratio, DSCR figure and MPBF calculation verified before submission.
Every report carries a valid UDIN, so your bank can verify it instantly.
MSMEs, startups and businesses across India trust SVT for financial documentation.
Your business data is handled under ICAI professional secrecy obligations.
Fill the form or WhatsApp us your requirement.
Our CA reviews your limit type and bank format needed.
Operating statement, MPBF, ratios and projections prepared to bank format.
UDIN-verified CMA report shared, ready to submit.
Fellow Chartered Accountant with ~12+ years of domain expertise across Big 4, investment banking, and independent practice. Personally reviews and signs every CMA data statement prepared at SVT, ensuring accuracy before it reaches your bank.
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A CMA (Credit Monitoring Arrangement) report is a set of financial statements — operating statement, balance sheet, fund flow and ratio analysis — that banks use to assess your business before sanctioning or renewing a CC/OD limit or term loan. Most banks make it mandatory above a certain loan threshold.
A Project Report is mainly for new businesses or fresh term loans, covering project viability and financial projections from scratch. A CMA Report is used more for existing businesses renewing or enhancing working capital limits like CC/OD, focused on MPBF and ratio analysis.
As per RBI/IBA guidelines, CMA data is generally required for credit facilities above ₹5 lakh, though the exact threshold can vary slightly by bank. It's best to check with your bank or ask us during your free consultation.
Typically your last 2–3 years' financial statements, current year provisional figures, projected financials, and existing loan/limit sanction letters if any. We'll share an exact checklist once we know your bank and limit type.
MPBF (Maximum Permissible Bank Finance) is calculated under methods prescribed by the Tandon Committee, most commonly Method II, based on your working capital gap, current assets and current liabilities, subject to the required current ratio.
Yes, most banks require a fresh CMA data submission annually as part of the CC/OD limit renewal process, along with updated financials and projections.
We prepare CMA data in the formats used by SBI, PNB, Bank of Baroda, Canara Bank and other major lenders, matched to your specific bank's requirement.
Once we have your documents, a CA-signed and UDIN-verified CMA report is typically delivered within 24–48 hours.
Free requirement check · CA-signed report · UDIN-verified · 24–48 hr delivery
