Credit Monitoring Arrangement for Bank Loan
CMA Report & Data for Bank Loan - By CA
Apply at lowest priced CMA Report and Project report for Bank Loan, Mudra Loan CC Limit and Startups. Project Report is prepared by CA to get loan from Banks.
Price:
₹ 2,500/-
Sample CMA Report and Data
Exciting BENEFITS of Finance Suvidha kendra
Our CA's will Create CMA Report and Project Report for Bank Loan
Prepared After Discussion
Our Experts Create a CMA Report and Project Report for Bank Loan after discussing with You. To make process Simple.
Open to Modifications
Banks may demand multiple changes in reports and documents during the process. We are ready for changes in CMA Report and Project report for Bank loan without any extra charges.
Acceptable by Banks
Our CMA Report and Project reports for Bank Loan are widely accepted by the Banks and Financial Agencies for issuing all kind of Loans and CC Limits.
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Project Report For Bank Loan!
Apply at lowest priced CMA Report and Project report for Bank Loan, Mudra Loan CC Limit and Startups. Project Report is prepared by CA to get loan from Banks.
What is CMA Report And Data?
The CMA Report and Data consists of Business Sales, Profits, Loan Requirements, Stock, and many ratios which helps Banker to analysis the risk and loan eligibility of business.
The FSKIndia has team of CA and Experts for preparing CMA Report and Data for Loan approval from Bank and Institutions.
The CMA Report and Data can used for taking Home Loan, Machinery Loan, CC Limit, Mudra Loan, MSME Loan etc.
What is Provisional ad Estimated Balance Sheet?
The Provisional and Estimated balance sheet is prepared on estimatation basis of current financial year. The provisional Balance sheet helps to ascertain the current year Sales, Profit, Stock, Loan.
The FSKIndia has team of CA and Experts for preparing CMA Report and Data for Loan approval from Bank and Institutions.
The CMA Report and Data can be asked by Banker and Financial Institution for issuing a Bank Loan .
What is Format of CMA Report and Data?
The Format of CMA Report and Data contains Asset, Liabilities, Profit & Loss Account, and related Annexures. Here sample of Projected Balance sheet as below:
Liabilities:
| Capital | 500000 |
| ( Fund introduced by proprietor or Founders) | |
| Loan | 250000 |
| Sundry Creditors | 100000 |
| Sundry payables | 25000 |
| Total | XXXX |
Assets:
| Fixed Assets: | |
| Machinery | 250000 |
| Furniture | 100000 |
| Equipment’s | 35000 |
| Investments: | |
| FDR | 50000 |
| Shares | 35000 |
| Current Assets: | |
| Stock | 150000 |
| Sundry Debtors | 40000 |
| Bank Balance | 25000 |
| Cash in Hand | 35000 |
| Any other asset | 25400 |
| Total | XXXX |
(Attach PDF File of Projected BS)
Project Report For Bank Loan!
Apply at lowest priced CMA Report and Project report for Bank Loan, Mudra Loan CC Limit and Startups. Project Report is prepared by CA to get loan from Banks.
How many year CMA Report is asked by Bank for Loan ?
The bank ask CMA Report and Data for analyzing the business in future year to ascertain the Loan repayment capacity of client. The number of year of Projected Balance sheet depends upon number of year of Loan taken by customer.
For Example if customer apply for Loan 5 years then bank also ask Projected Balance sheet of future 5 Years.
Is CA signature are required on CMA Report for Bank Loan?
No, the CA signature are not required on CMA Report and Data for Bank Loan, because no one can confirm the exact figures of Future. The CMA Report and Data is prepared on estimated basis of business plans. However, Finance suvidha Kendra has best Financial experts to help client to prepare Projected Balance sheet.
Project Report For Bank Loan!
Apply at lowest priced CMA Report and Project report for Bank Loan, Mudra Loan CC Limit and Startups. Project Report is prepared by CA to get loan from Banks.
What does CMA Report for Bank Loan Consists?
The CMA Report and Data for bank Loan consists details and projection of business future years Assets, Liabilities, Profit & Loss Account, Fund Flow, Debt Repayment Capacity and Financial Ratios. Here is details of particulars in Projected Balance sheet for Bank Loan-
Assets:
There are 2 types of Assets shown in CMA Report and Data for loan –
Fixed Assets:
The assets that business will use for long term and more than 1 year in life for Example- Furniture, Machinery, Vehicles etc.
Current Asset:
The assets that business plans to use for short Term and less than 1 year in life for Example-
Stock, Receivables, Bank Balances etc.
Liabilities:
The Liability part is divided in three parts in CMA Report and Data for loan which are as follows-
Capital Fund:
This is fund introduced by owner of firm which can be Proprietor, Partnership firm, Pvt Ltd or Public Ltd Company.
Long Term Liabilities:
The long term liabilities are liabilities which are payable after period of 12 months for Example- Bank Term Loan, Any other Loan etc.
Current Liabilities:
The current liabilities are liabilities which are payable within 12 months for example Vendor Payables, Salary Payable, etc.
What are Ratios covered in CMA Report?
The following Ratios are covered in CMA Report and Data for helping Bank to issue Loans:
Operating Profit Ratio:
Operating Profit means profit derived by business from main core business activities without including any other non operating profit like Interest Income, Capital Gain Income, Sale of Business Assets.
Profit before Tax Ratio:
The profit before Tax means the Net profit before Income Tax divided by Net Sales.
Current Ratio:
The current ratio means the current assets divided by current Liabilities. The current assets are assets which are recoverable is period of 1 Year like Stock, Sales Receivables, Bank Balances etc. The Current Liabilities means assets which are payable in 1 years like Purchase Payables, Expense Payable, Loan Payable etc.
The minimum current ratio accepted by Bank is 1.5 . For Example
- Current Assets Rs.150000
- Current Liabilities Rs. 100000
- The current Ratio in CMA Report and Data will be 1.5.
Total Loan to Net worth Ratio:
The loan to Net worth ratio is calculated in CMA Report and Data by dividing Total loan amount with total net worth of Business.
The net worth means the current amount holed by founders in Business.
PBDIT & Interest Ratio:
The PBDIT means profit before deducting deprecation , Interest Expense and Tax. In this, Interest amount is divided by PBDIT to calculate how bigger is business profit than Interest.
Debt to Liquid Fund Ratio:
This ratio is calculated in CMA Report and Data by dividing Debt payable during the year with Liquid Fund available during the year. This ratio is calculated to check whether the business will have enough Cash fund to repay the Bank debt during the year.
The minimum Debt to Liquid fund ratio is 3 accepted by Banks.
Inventory to Purchase Ratio:
The inventory to purchase ratio is calculated to check the how many days stock is maintained by business on annual Basis. This ratio is calculated by dividing the Closing Stock with Purchase of whole year.
Project Report For Bank Loan!
Apply at lowest priced CMA Report and Project report for Bank Loan, Mudra Loan CC Limit and Startups. Project Report is prepared by CA to get loan from Banks.
Conclusion - CMA Report
In conclusion, obtaining a CMA Report and Data prepared by experienced Chartered Accountants (CAs) is a crucial step for businesses seeking loans from banks and financial institutions. This comprehensive report provides a detailed financial analysis of a business’s assets, liabilities, profit projections, and financial ratios, which helps lenders assess the risk and loan eligibility. Whether you’re applying for a Mudra Loan, Machinery Loan, CC Limit, or any other bank loan, the CMA Report is an essential document. At Finance Suvidha Kendra, our team of experts ensures the accurate and professional preparation of these reports, aiding in smoother loan approvals.
FAQ's - CMA Report
What is CMA Report?
A CMA Report is a structured financial document that provides banks and financial institutions with a comprehensive view of a company's financial health. It includes historical and projected financial data, enabling the bank to determine whether the business can sustain and repay the loan. CMA reports are especially important for businesses seeking significant credit facilities or loans.
CMA Report Full Form
CMA stands for Credit Monitoring Arrangement. It is a financial report prepared to assess the creditworthiness and financial health of a business.
CMA Report for Bank Loan
A CMA report is a mandatory document required by banks when applying for a loan, particularly for working capital or term loans. It provides a detailed financial analysis of the borrower's business, including income, expenses, assets, liabilities, and cash flow projections. The report helps banks evaluate the applicant's ability to repay the loan.
CMA Report Format
A typical CMA report includes the following components:
- Details of the Borrower: Basic information about the applicant.
- Present Financial Position: A snapshot of current financials.
- Operating Statement: Income and expense analysis.
- Analysis of Balance Sheet: A detailed breakdown of assets and liabilities.
- Cash Flow Statement: Projections of inflows and outflows of cash.
- Fund Flow Statement: Movement of funds within the organization.
- Ratio Analysis: Key financial ratios such as debt-equity ratio, current ratio, etc.
- Projected Financial Statements: Future income and expense projections, usually for the next 5–7 years.
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