Signed & reviewed by CA Rinky Vishwakarma View LinkedIn profile ICAI No.: 177507
Stock Statement Format for Bank — Free, Printable, CSV
The layout most banks expect for a CC/OD stock statement. Free to use; the CA-signed version with UDIN is ₹1,999.
Reviewed by CA Rinky Vishwakarma, ICAI 177507 · Last updated 24 September 2026
Quick answer
A stock statement format for a bank lists stock by category, deducts unpaid creditors to get paid stock, shows debtors by age, and computes drawing power using the margins in the sanction letter. It also records insurance cover. A CA certificate on this format needs a practising CA's signature and a UDIN.
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From ₹1,999 + GST · UDIN included · Reconciled with your books
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Free Stock Statement Format for Banks
Print it, save it as a PDF, or download it as a CSV to fill in Excel. No sign-up needed.
Part A — Stock as on the statement date
| Category | Quantity / unit | Value (₹) | Location |
|---|---|---|---|
| Raw material | ………… | ………… | ………… |
| Work-in-progress | ………… | ………… | ………… |
| Finished goods | ………… | ………… | ………… |
| Stores and spares | ………… | ………… | ………… |
| Stock at job workers | ………… | ………… | ………… |
| Goods in transit | ………… | ………… | ………… |
| Total stock (A) | ………… |
Value at the lower of cost and net realisable value (AS 2 / Ind AS 2). Show obsolete, damaged and slow-moving stock on separate lines.
Part B — Unpaid creditors for goods
| Particulars | Amount (₹) |
|---|---|
| Sundry creditors for raw material / goods | ………… |
| Less: advances paid to suppliers | ………… |
| Net unpaid creditors (B) | ………… |
Part C — Book debts (debtors ageing)
| Age bucket | Amount (₹) | Eligible? |
|---|---|---|
| 0–30 days | ………… | Yes |
| 31–60 days | ………… | Yes |
| 61–90 days | ………… | As per sanction |
| Over 90 days | ………… | Usually no |
| Related-party / disputed | ………… | No |
| Eligible debtors (C) | ………… |
Part D — Drawing power computation
| Line | Formula | Amount (₹) |
|---|---|---|
| Paid stock | A − B | ………… |
| Less: stock margin (e.g. 25%) | Paid stock × margin | ………… |
| DP on stock | Paid stock − margin | ………… |
| Less: debtor margin (e.g. 40%) | C × margin | ………… |
| DP on debtors | C − margin | ………… |
| Drawing power | DP on stock + DP on debtors | ………… |
| Sanctioned limit | From sanction letter | ………… |
| Usable limit | Lower of DP and sanctioned limit | ………… |
Margins and the debtor age limit come from your sanction letter; the figures here are examples only.
Part E — Insurance
| Insurer and policy no. | Sum insured (₹) | Expiry date | Locations covered |
|---|---|---|---|
| ………… | ………… | ………… | ………… |
Stock should be insured for at least its full value at every declared location.
Part F — Sample CA certification wording
For SVT & Associates, Chartered Accountants · CA Rinky Vishwakarma, Partner, M. No. 177507 · UDIN: issued on signing · Place: Mumbai · Date: …………
Check Your Drawing Power in 30 Seconds
Enter figures in ₹ lakh. Margins default to 25% on stock and 40% on debtors; replace them with the margins in your sanction letter.
Your drawing power (₹ lakh)
Formula: (stock − unpaid creditors) × (1 − stock margin) + eligible debtors × (1 − debtor margin). An estimate only; your bank's sanction terms decide the final drawing power.
Documents Required for a Stock Certificate
- ☐ Stock register or Tally stock summary
- ☐ Purchase and sales registers for the period
- ☐ Debtors ageing list
- ☐ List of unpaid creditors for goods
- ☐ Bank's stock statement format
- ☐ Sanction letter (margins and debtor age limit)
- ☐ Stock insurance policy
- ☐ Last audited balance sheet
- ☐ For GST ITC-01: purchase invoices with supplier GSTINs
How to Get a Stock Certificate: 4 Steps
- 1
Share purpose and records
Tell us the purpose and share the bank or GST format and your stock data.
Day 0 · about 10 minutes
- 2
CA reconciles and sends a draft
Stock is tied to the books, ineligible items removed, and a draft shared.
Within 1 working day
- 3
Review the draft, then pay
You check the figures. You pay only once you agree with the scope.
Same day
- 4
Signed certificate with UDIN
Signed PDF on letterhead, sent by email and WhatsApp.
Within 1 working day of complete documents
Stock Certificate Fees
Firm fee and government fee shown on separate lines. No hidden charges.
| Plan | What's covered | CA professional fee | Government fee | Turnaround |
|---|---|---|---|---|
| Standard | One location, one statement date, books up to date | ₹1,999 | Nil | 1 working day |
| Urgent | Same scope as Standard, signed the same day | ₹2,999 | Nil | Same day |
| Monthly retainer | 12 monthly bank stock statements a year | ₹1,499 per statement | Nil | 1 working day each |
All CA fees are exclusive of GST at 18%. Physical stock verification, stock at more than one location, and manual records are quoted in writing before work starts. You pay only after the CA confirms the scope.
Signed by a Practising Chartered Accountant
Not a back office. Every stock figure is reconciled with your books before it carries a signature.
CA Rinky Vishwakarma LinkedIn ICAI No.: 177507
Fellow Chartered Accountant with experience across Big 4, investment banking and independent practice. Checks stock against purchase and sales data, removes ineligible stock and old debtors, and matches your bank's format before signing.
Frequently Asked Questions
Related Pages
Want This Format Certified With a UDIN?
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Based in Goregaon West, Mumbai
We certify stock statements online across India, and clients in Mumbai can also walk in, call or WhatsApp.