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Expert India Consultancy
CMA Report Services

Professional CMA Report Preparation
Credit Monitoring Arrangement for Bank Loans

Get bank-compliant CMA reports prepared by expert CAs for your loan applications. Comprehensive financial analysis with accurate projections and ratio analysis. ✔Expert CA Team ✔Bank-Compliant Format ✔Quick Delivery ✔Ratio Analysis ✔Post-Submission Support ✔High Success Rate

4.9/5(800+ CMA Reports Prepared)
Expert CA Assistance
5-Year Financial Analysis
Comprehensive Ratios
Quick Turnaround
Bank-Compliant Format
Post-Submission Support
800+ Reports
Successfully Prepared
95% Approval
Success Rate
FREE
Consultation
Complete CMA report guidance
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Expert Financial Analysis & Projections

Our CA experts will contact you within 2 hours

CMA Report Overview

A Credit Monitoring Arrangement (CMA) report is a comprehensive financial document that banks require to assess your business's creditworthiness and repayment capacity for loans and credit facilities.

Expert CA Assistance

Prepared by qualified Chartered Accountants with banking expertise

Bank-Compliant Format

Reports prepared as per banking norms and RBI guidelines

Quick Turnaround

Professional CMA reports delivered within 5-7 working days

Post-Submission Support

Assistance with banker queries and clarifications

Key Components of CMA Report

Comprehensive financial analysis covering all aspects required by banks

Financial Statements

5-year comparative analysis including 2 years audited, 1 year provisional, and 2 years projected statements.

Ratio Analysis

Comprehensive ratio analysis covering profitability, liquidity, leverage, and efficiency ratios.

Projections & Assumptions

Realistic financial projections with detailed assumptions and correlation with historical data.

Fund Flow Statement

Detailed fund flow analysis showing sources and utilization of funds for the project.

CMA Report Structure

Systematic presentation of financial data as per banking requirements

Executive Summary

Brief overview of business, loan requirement, and key financial highlights

Company Profile

Business background, management team, products/services, and market position

Financial Analysis

5-year comparative financial statements with detailed analysis

Ratio Analysis

Comprehensive ratio analysis with industry benchmarking

Fund Flow Statement

Sources and application of funds with detailed projections

Assumptions & Projections

Detailed assumptions for projected years with supporting data

Required Documents

Complete documentation required for accurate CMA report preparation

Tax & Compliance
  • Income Tax Returns (Business & Owners)
  • GST Returns for last 12 months
  • TDS Returns and certificates
  • Sales Tax/VAT Returns (if applicable)
Financial Statements
  • Last 2 years Audited Financial Statements
  • Provisional Financial Statements (current year)
  • Monthly/Quarterly management accounts
  • Bank statements for last 12-18 months
Business Documents
  • Detailed cost sheets
  • Product-wise sales analysis
  • Order book and future contracts
  • Business registration certificates
Project Specific
  • Project feasibility report
  • Quotations for machinery/equipment
  • Land documents (if applicable)
  • Environmental clearances

Comprehensive Ratio Analysis

Detailed financial ratios to demonstrate business performance and viability

Profitability Ratios
  • Gross Profit Ratio (%)
  • Operating Profit Ratio (%)
  • Net Profit Ratio (%)
  • Return on Capital Employed (%)
Liquidity Ratios
  • Current Ratio
  • Quick Ratio
  • Cash Ratio
  • Working Capital Ratio
Leverage Ratios
  • Debt-Equity Ratio
  • Debt Service Coverage Ratio
  • Interest Coverage Ratio
  • Total Indebtedness Ratio
Activity Ratios
  • Inventory Turnover Ratio
  • Debtors Turnover Ratio (Days)
  • Creditors Turnover Ratio (Days)
  • Total Assets Turnover Ratio

CMA Report Preparation Process

Systematic approach to prepare comprehensive and accurate CMA reports

01
Document Collection

Gather all required financial documents, tax returns, and business records for analysis.

02
Data Analysis

Analyze historical financial data and identify trends, patterns, and key performance indicators.

03
Projection Preparation

Prepare realistic financial projections based on business plans and market conditions.

04
Ratio Calculation

Calculate comprehensive financial ratios and compare with industry benchmarks.

05
Report Compilation

Compile comprehensive CMA report with all financial statements and analysis.

06
Review & Finalization

Final review, quality check, and preparation of bank-ready CMA report.

Key Benefits
Higher loan approval chances with professional CMA reports
Accurate financial projections increase banker confidence
Comprehensive ratio analysis demonstrates business viability
Professional presentation enhances credibility
Saves time and ensures compliance with banking norms
Expert guidance on fund utilization and repayment capacity
Important Considerations
Accurate data is crucial for realistic projections
Projections must correlate with historical performance
Industry benchmarks should be considered for ratios
All assumptions must be clearly documented
Regular updates may be required for long-term projects
Professional expertise is essential for complex businesses
Frequently Asked Questions

CMA Report FAQ

Get answers to common questions about CMA report preparation and requirements

24/7 Support

Need Professional CMA Report?

Get bank-compliant CMA reports prepared by expert CAs to enhance your loan approval chances. Professional analysis with accurate projections and comprehensive ratio analysis.