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All You Need to Know

CMA Report Preparation

A CMA Report (Credit Monitoring Arrangement Report) provides a detailed financial analysis and projections in a format prescribed by the RBI. It includes past, present, and projected financial figures along with key financial ratios to help bankers and financial analysts assess the financial health of a business. This report is essential for loan applicants as it demonstrates the flow and application of funds in a business and ensures that the assumptions used are realistic and viable.

Importance of a CMA Report

The CMA Report is crucial for evaluating a business’s working capital needs. Bankers consider various factors and industry-standard ratios when providing funding for working capital (Cash Credit) against stock and/or debtors. A well-prepared CMA Report adheres to RBI and banking norms, making it easier for your business to secure the necessary funds.

Key Features of Our CMA Report Services

  • Detailed Financial Analysis: Includes past financial data, current status, and future projections.
  • RBI-Compliant Format: Prepared according to the RBI’s prescribed format and industry norms.
  • Comprehensive Reports: Covers financial ratios, cash flow, and working capital needs.
  • Expert Preparation: Created by finance professionals to ensure accuracy and viability.

Get Your CMA Report Prepared with My File Tax

If you need to present a CMA Report to investors or secure working capital, our finance experts at My File Tax are here to help. We prepare CMA Reports that comply with RBI regulations and industry standards, ensuring you receive the required working capital funds efficiently and without hassle.
My File Tax is a leading business platform offering comprehensive incorporation, compliance, advisory, and management consultancy services to clients in India and abroad. Our experts are here to guide you on how to prepare and create a CMA data report online, and provide free consultations on a range of services including Company Registration, LLP Registration, OPC Registration, Annual Filings, GST Filings, GST Returns, and Accounting & Audit Services.

Choose Your Package

Simple Prices | No Surprises

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ESSENTIAL

5999/-
(All Inclusive)

  • Preparation of CMA Report for working capital limit upto INR 25 Lakh
  • Two responses to bank queries
Choose Plan
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ENHANCED

9999/-
(All Inclusive)

  • Preparation of CMA Report for working capital limit upto INR 200 Lakh
  • Upto Three responses to bank queries
Choose Plan
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ULTIMATE

14999/-
(All Inclusive)

  • Preparation of CMA Report for working capital limit upto INR 500 Lakh
  • Upto Four responses to bank queries
Choose Plan

Credit monitoring arrangement analysis

Points to make your decision easy

To apply for a bank loan, you need a professionally drafted CMA Report. This report is a requirement set by the Reserve Bank of India (RBI) and is used by all nationalized, cooperative, and private sector banks in India. No working capital loans can be sanctioned without a properly prepared CMA Report.

Ratio Analysis in a CMA Report is essential for assessing financial health. It covers the Current Ratio for liquidity, Sales Turnover Ratio for revenue efficiency, Stock Turnover Ratio for inventory management, and Debtor and Supplier Working Cycles for credit and supply chain efficiency. These indicators are used by banks and investors for decision-making.

The CMA Report must adhere to RBI Norms and industry standards for assessing working capital needs. My File Tax ensures that your report meets all regulatory requirements and industry practices, providing an accurate and effective report for your loan application.

How to prepare CMA Data Report online

Review of Your Business

To create a realistic and effective CMA data report online, it’s essential to understand your business thoroughly. Our Compliance Manager will connect with you to gain insights into your business operations, considering all specific details and nuances.

Drafting the CMA Report

After understanding your business, our Compliance Manager will prepare the draft CMA report. This includes making assumptions for sales growth, expense projections, cash flow estimates, and assessments of assets and liabilities.

Finalizing the CMA Report

Our Compliance Manager will review the draft CMA report with you, addressing any questions or concerns. You will receive the final CMA report, which is ready for submission to your bank. We offer up to two revisions to ensure the report meets all bank requirements.

FAQs On CMA Report

We assist in preparing the necessary documents and CMA reports that can support your loan application. However, we do not guarantee loan approvals as the final decision rests with the bank or financial institution based on their internal criteria and assessment.

If you need a loan for purchasing machinery, we can help you prepare a detailed CMA report that includes financial projections and the purpose of the loan. This report will support your loan application by demonstrating your financial stability and repayment capacity to the bank.

Yes, your financial data is completely secure with us. We follow strict confidentiality protocols and employ advanced security measures to ensure that your sensitive information remains protected at all times.

Working capital refers to the funds available for the day-to-day operations of a business. It is calculated as current assets minus current liabilities and is essential for managing day-to-day expenses, such as paying bills and funding short-term growth.

While we provide the necessary CMA reports and documentation to support your Cash Credit (CC) application, we do not guarantee approval. The final decision depends on the bank's evaluation of your financial situation and adherence to their lending criteria.

We offer our services across various cities in India. Whether you are in major metropolitan areas or smaller towns, we are here to help with your business needs. Contact us to find out how we can assist you in your specific location.