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JS & Co · Accounting & Financial Consultants

📊 CMA Data — Credit Monitoring Arrangement

Credit Monitoring Arrangement · Complete Bank Submission Format · All Forms I–VI + EMI + Ratio Analysis

1. Entity Type

2. Details

3. Credit Lines

4. Period

5. Audited Figures

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Entity Mode

🏢 Existing Entity (has audited accounts) 🌱 New Entity (no past accounts, estimation only)

Entity / Borrower Type

Pvt Ltd / Ltd Company Partnership Firm LLP Proprietorship Trust / Society

Reporting Unit

₹ in Lakhs ₹ in Crores

Entity / Borrower Name *

Registered Address

City

State

PAN

GST Number

CIN / Registration No.

Year of Establishment

Promoter / Director Name

Contact No.

Banking & Industry

Applicant Bank / Branch *

Loan Purpose

Primary Security

Industry / Nature of Business *

💡 Add all credit facilities. For Term Loans / WCDL: enter the loan disbursement date for exact EMI & moratorium calculation (partial-year interest for first year).

Base Financial Year (latest audited / current estimated year)

No. of Audited Years (Actuals) to show

No. of Projected / Estimated Years

Projection Year Labels — assign label per year (Estimated for near-complete FY, Projected for future)

ℹ️ New Entity: All years will be estimation-based. Set number of actuals to 0 on the Period settings or it will be ignored.

📌 Enter every line item from audited accounts exactly as per balance sheet and P&L. These values are not estimated — they are entered directly. Projections are derived from these base figures. Leave zero if not applicable.

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Step 1 of 5

🔴 WARNING: Balance Sheet is NOT Balanced — Total Assets ≠ Total Liabilities + Net Worth. This CMA report contains an accounting imbalance. Please review Form III before submitting to the bank.

✏ Note: Some values in this report have been manually overridden and do not reflect system-generated projections.

JS & Co

Accounting & Financial Consultants

Credit Monitoring Arrangement

CMA Data

Prepared for submission to the Lending Institution

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Address		PAN
GST No.		Constitution
Promoter / Director		Year of Est.
Banker / Lender		Reporting Unit
Purpose of Credit
Security / Collateral

Credit Facilities Proposed

Type	Amount	Rate % p.a.	Tenure	Moratorium

DISCLAIMER
This CMA report has been prepared based on information and financial data provided by the client/borrower. The projections are estimates based on stated assumptions and do not constitute a guarantee of future performance. JS & Co has not independently verified the underlying data. This document is prepared solely for the purpose of submission to the lending institution and should not be relied upon for any other purpose. JS & Co accepts no liability for decisions made based on this report.

J S & Co

Credit Monitoring Arrangement — Bank Submission Format

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₹ Lakhs —

Model Assumptions & Projections Input

₹ Lakhs Decimals: Auto-optimise MPBF

Form II — Operating Statement

₹ Lakhs Add custom rows in Step 5 (Audited Figures)

Form III — Analysis of Balance Sheet (Liabilities Side)

₹ Lakhs ⚠ BS not balanced

Form III — Analysis of Balance Sheet (Assets Side)

₹ Lakhs

Form IV — Comparative Statement of Current Assets & Current Liabilities

₹ Lakhs

Form V — Maximum Permissible Bank Finance (MPBF)

₹ Lakhs

Form VI — Funds Flow Statement

₹ Lakhs

Ratio Analysis — Bank Format

Revenue, EBITDA & PAT

Margin Trends

Balance Sheet Structure

DSCR Trend

Working Capital Position

Debt Profile

CMA

CMA Data Tool — How to Use

Credit Monitoring Arrangement · Prepared by JS & Co, Accounting & Financial Consultants

Getting Started — 4 Simple Steps

1

Entity Setup

Enter company name, constitution, industry, banker details, and loan facilities (Term Loan / CC / OD). This is the foundation — everything else is calculated from this.

2

Audited Figures (existing entities)

Enter 1–3 years of actual financials from audited accounts — sales, expenses, assets & liabilities. Skip this entirely for a new entity with no history.

3

Projections & Assumptions

Set growth rate, gross margin, depreciation rate, inventory days etc. For new entities: enter at least the Year 1 projected revenue in the Assumptions panel — the tool auto-calculates everything else.

4

Calculate & Print

Click ⟳ Recalculate All anytime to refresh all forms. When ready, use 🖨 Print / Export to choose which sections to include and save as PDF.

Key Tips & Features

🟡

Yellow / highlighted fields are editable. All assumption inputs (growth rate, margins, per-year revenue overrides) are shown with a yellow background. White rows in the forms are auto-calculated — do not need manual entry.

⚙️

Edit Setup button (top right) lets you change entity details, loan structure, number of audited years, or projection years at any time. All previously entered data is preserved when you return.

🏢

New entity with no audited history? Set Audited Years = 0 in setup. Enter projected Year 1 revenue in the Assumptions panel. The tool will auto-seed the opening balance sheet from your TL amount and calculate depreciation accordingly.

🏭

Industry-aware calculations. Select the correct industry (Manufacturing / Trading / Service) in setup. Inventory, cost structure, and direct expense patterns are automatically adjusted — no manual tweaking needed for each industry type.

📊

Forms auto-populate. All 6 CMA Forms (Operating Statement, Balance Sheet, CA/CL, MPBF, Funds Flow), EMI schedule, ratio analysis and financial charts are generated automatically. You only enter raw inputs — the tool does the rest.

🖨️

Print / Save as PDF. Use the Print / Export button to select which sections to include — cover page, executive summary, individual forms, charts, ratios. In the browser print dialog, choose "Save as PDF" to get a clean formatted document.

💾

Data is not saved between sessions. This tool runs entirely in your browser — no data is sent to any server. If you close or refresh the tab, your data will be lost. Save your PDF before closing.

Forms at a Glance

Form	What it shows	Key output
Form II	Operating Statement (P&L)	Revenue, GP, EBITDA, PAT
Form III	Balance Sheet	Assets, Liabilities, Net Worth
Form IV	Comparative CA / CL	Current ratio, Working capital
Form V	MPBF Computation	WC limit, MPBF, DSCR
Form VI	Funds Flow Statement	Sources & uses of funds
Ratios	Key Financial Ratios	TOL/TNW, DSCR, NWC, ROCE

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