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Accounting

CMA Report Preparation

Estimated timeline *1–3 Working Days

Estimated delivery

Timeline conditions

This service covers **one business and one bank loan proposal**. **BASIC — LOAN UP TO ₹20 LAKH** Includes a general bank-format CMA report, review of available past financial statements, five-year projected Profit & Loss and Balance Sheet, key financial ratios and Excel/PDF delivery. Estimated delivery: **3–5 working days**. **STANDARD — LOAN ABOVE ₹20 LAKH UP TO ₹50 LAKH** Includes everything in Basic, plus CMA preparation in one bank's specified format, five-year cash flow and fund flow projections, loan repayment and DSCR calculations, and working capital or MPBF analysis where required. Estimated delivery: **5–7 working days**. **PREMIUM — LOAN ABOVE ₹50 LAKH UP TO ₹1 CRORE** Includes everything in Standard, plus detailed CMA schedules, break-even and sensitivity analysis, an eligible practising CA report with UDIN, and up to two reasonable bank-query clarifications or report revisions for the same proposal. Estimated delivery: **7–10 working days**. **WHEN DOES THE TIMELINE START?** The timeline starts after we receive your complete financial records, loan details, bank format where required, and approval of the financial assumptions. Missing information or major changes may increase preparation time. **DOCUMENTS REQUIRED** Please provide available past two years' financial statements, ITRs, GST details where relevant, existing loan details, proposed loan amount, project costs and the bank's requested CMA format. New businesses without historical accounts may need a separately agreed project-report scope. **CA REPORT AND UDIN** CA reporting is included only in the Premium plan where the records and assignment qualify for a professional report. The practising CA must independently review the information and issue the report under applicable ICAI requirements. UDIN is generated only for an eligible report actually issued by that CA; projected figures are not guaranteed. **NOT INCLUDED** Past-year bookkeeping, preparing missing accounts, statutory audits, ITR or GST filing, separate certificates, detailed project feasibility reports, bank processing charges, loan application submission and bank representation are not included unless separately agreed. **IMPORTANT** Our work covers preparing the selected CMA report, not getting the loan approved. The bank makes the final decision based on its own checks and lending rules. All projections use information and assumptions approved by the customer.

CMA data for working capital, term loans and project finance: Standardized Credit Monitoring Arrangement (CMA) report required by all PSU and private banks for loan appraisals.

Review financial projections, ratios and assumptions for completeness: Detailed 7-statement analysis including Operating Statement, Balance Sheet Analysis, MPBF, Fund Flow, and DSCR ratios.

Clear report support for lender queries; approval rests with the lender: Our financial modeling team coordinates directly with your bank's credit officer to ensure swift credit sanction.

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Pricing

Right Plan For CMA Report Preparation

Transparent pricing. No hidden charges.

Basic

₹4,600/OneTime
₹7,50039% off

CMA report for bank loans up to ₹20 lakh, with five-year financial projections and a simple, general bank format.

WHAT'S INCLUDED

5 benefits
  • ✓Business details and loan requirement review
  • ✓Review of available past 2 years' financial statements
  • ✓5-year projected Profit & Loss statement
  • ✓5-year projected Balance Sheet
  • ✓General bank-format CMA with key ratios in Excel & PDF
⭐Most Popular

Standard

₹6,100/OneTime
₹12,00049% off

CMA report for bank loans above ₹20 lakh and up to ₹50 lakh, in your bank's format, with five-year projections and repayment analysis.

WHAT'S INCLUDED

9 benefits
  • ✓Business details and loan requirement review
  • ✓Review of available past 2 years' financial statements
  • ✓5-year projected Profit & Loss statement
  • ✓5-year projected Balance Sheet
  • ✓General bank-format CMA with key ratios in Excel & PDF
  • ✓CMA prepared in one bank's specified format
  • ✓5-year projected Cash Flow and Fund Flow statements
  • ✓Loan repayment schedule, interest and DSCR calculations
  • ✓Working capital and MPBF calculations, where required

Premium

₹12,100/OneTime
₹22,00045% off

Detailed CMA report for bank loans above ₹50 lakh and up to ₹1 crore, with five-year projections, bank-specific schedules and eligible CA reporting with UDIN.

WHAT'S INCLUDED

13 benefits
  • ✓Business details and loan requirement review
  • ✓Review of available past 2 years' financial statements
  • ✓5-year projected Profit & Loss statement
  • ✓5-year projected Balance Sheet
  • ✓General bank-format CMA with key ratios in Excel & PDF
  • ✓CMA prepared in one bank's specified format
  • ✓5-year projected Cash Flow and Fund Flow statements
  • ✓Loan repayment schedule, interest and DSCR calculations
  • ✓Working capital and MPBF calculations, where required
  • ✓Detailed CMA schedules for current assets and liabilities
  • ✓Break-even, key financial ratios and sensitivity analysis
  • ✓Practising CA report with UDIN, where eligible
  • ✓Up to 2 bank-query clarifications or report revisions

CMA Report Preparation for Business Loan Applications

A lender needs financial information that explains your borrowing requirement and repayment capacity. TaxQue helps organise historical figures, working-capital calculations and financial projections into the CMA format agreed for your loan proposal. Share the lender checklist and facility details before choosing a plan.

The report uses your records and stated assumptions; it is not a loan sanction or a promise of bank acceptance. Confirm the projection period, facility limit, lender format, revision scope and whether any eligible professional certification is included. Compare the plans below or discuss the lender requirements with our team.

What is CMA Report Preparation?

A CMA (Credit Monitoring Arrangement) report presents historical financial information and projected performance in the format requested by a bank or other lender. It commonly supports assessment of working-capital or term-loan proposals; the lender specifies the model, period, assumptions and ratios it requires. TaxQue can organize client-supplied statements, assumptions and projections into the agreed lender format. The client remains responsible for the accuracy and completeness of source data, and the lender independently evaluates the proposal and decides sanction, limits, terms and any further information required.

CMA Report Preparation

Start with the lender requirement: Share the bank format, facility type, proposed borrowing and any query already raised by the lender.

Use supportable financial assumptions: Reconcile historical accounts and explain the basis for projected sales, costs, working capital and repayments.

Keep the report scope clear: Agree the schedules, output files and revisions. The lender independently decides credit eligibility and sanction.

A CMA report supports the application; it does not approve the loan

Confirm lender-specific requirements before preparation. Audited accounts, valuation, credit appraisal, statutory audit and loan sanction are separate unless expressly included.

Process

How to Get Started

1

Step 01

1. Confirm lender requirements and scope

Confirm the lender, facility type, reporting period, prescribed template, projection horizon, assumptions and supporting records required for this proposal.

  1. 1Collect the lender’s latest CMA format and facility-specific checklist.
  2. 2Collect financial statements, trial balance, bank details and relevant working-capital or project assumptions as requested.
2

Step 02

2. Prepare and reconcile the schedules

Prepare historical and projected statements in the agreed format, reconcile source figures and flag assumptions or gaps for client confirmation.

  1. 1Map verified source figures to the lender’s schedules and cross-check totals, ratios and consistency.
  2. 2Review projections and assumptions with the client; resolve missing information before finalising the draft.
3

Step 03

3. Client review and lender delivery

Share the completed report for client approval and deliver it through the agreed channel; lender queries or revisions are handled within the agreed scope.

  1. 1Obtain client confirmation that supplied financial information and projections are complete and accurate.
  2. 2Provide the final report to the lender and track any follow-up requested; the lender controls appraisal and decision timelines.
Documentation

Documents Required for CMA Report Preparation

There is no single statutory document list for every CMA report. Use the receiving lender’s latest facility-specific checklist; the items below are common starting points and may not all be required.

Swipe horizontally to view table👉
Information groupExamplesPreparation note
Lender format and proposalFacility application, lender’s CMA template, proposed limit or loan purpose, and reporting periodConfirm the exact schedules and projection period with the relationship manager or lender.
Historical financial recordsAudited or final financial statements, trial balance, tax/audit reports where available, and latest interim figuresReconcile totals to ledgers and filed statements; explain material changes or one-off items.
Working capital informationStock, receivables, payables, ageing, inventory method, operating cycle and existing limitsProvide dates, balances and supporting schedules consistent with the lender’s format.
Banking and borrowingsBank statements, sanction letters, repayment schedules, security details and existing facilities as requestedDisclose all relevant facilities and reconcile outstanding balances to the books.
Projections and assumptionsSales, costs, capacity, capital expenditure, repayment and cash-flow assumptions for the requested periodDocument the basis for assumptions and obtain client confirmation before finalising.
Due Date

CMA Report Timelines and Costs

CMA report preparation has no universal statutory filing deadline or government fee. The delivery date depends on the receiving lender’s process, the requested schedules, completeness of information and client review. Ask the lender for its submission date and requirements.

Swipe horizontally to view table👉
MilestoneWhat determines itImportant note
Lender submission dateFacility application or appraisal timetable set by the bank/lenderThere is no common CMA due date prescribed for all borrowers; follow the specific lender’s instructions.
Preparation startAfter scope confirmation and receipt of complete, usable recordsMissing data, reconciliations or changes to assumptions can extend preparation.
Client reviewClient review and written approval of the draftAllow time to verify source figures and resolve lender-specific questions before submission.
Lender appraisalThe lender’s internal checks, credit assessment and any follow-upAppraisal, sanction and disbursement are controlled by the lender and are not guaranteed by report preparation.
FeesTaxQue’s professional fee is as quoted in the engagement; lender charges, if any, are separateA CMA report does not itself involve a government filing fee. Confirm any lender-specific processing or appraisal charges directly with the lender.
Threshold

CMA Applicability and Lending Limits

CMA report preparation is generally relevant when a bank or lender asks for historical and projected financial information to assess a facility, such as working-capital or term finance. It is a lender-requested analysis, not a statutory registration or return. There is no single legal turnover threshold or universal CMA format that applies to every borrower. The lender sets facility eligibility, information requirements, assessment method and credit limits under its current policy. Confirm these directly with the receiving lender.

Benefits

Why Choose CMA Report Preparation

Clear, consistent lender-format schedules can make the financial information easier to review. TaxQue’s support is limited to the agreed preparation and coordination scope; credit appraisal and decisions remain with the lender.

✅

Lender-format schedules

Organise historical figures, projections and supporting schedules in the format requested for the specific facility.

Consistency checks

Cross-check totals and highlight gaps, mismatches or assumptions that need client confirmation before the report is finalised.

🛡️

Defined client review

Share the draft for review, record the agreed final version and explain any lender follow-up included in the engagement.

Eligibility

Who May Need a CMA Report

A business or borrower may need a CMA report when its bank or lender requests this analysis for a proposed or existing credit facility. The lender’s own criteria and checklist determine whether it is required and what format to use.

1Lender-requested information

  • A lender has asked for CMA schedules or projections as part of a working-capital, term-loan, renewal or other facility assessment.
  • The borrower can provide reliable historical records and explain the assumptions used for projected sales, costs, assets, liabilities and cash flows.
  • The client can review and confirm the figures. Eligibility for credit, acceptable ratios, collateral and sanction limits are assessed by the lender under its current policy.

CMA Report vs Other Financial Reports

These documents serve different purposes. A lender may request one or several of them; its instructions and applicable statutory requirements determine what is needed.

Swipe horizontally to view table👉
Report typeTypical purposeWhat it does not replace
CMA reportLender-format historical and projected financial schedules for a specified facility assessment.Does not guarantee sanction and is not, by itself, a statutory audit or audited financial statement.
Audited financial statementsHistorical financial statements examined under the applicable audit engagement and reporting framework.Do not automatically provide lender-specific projections or CMA schedules.
Project report or business planNarrative and financial description of a project or business, prepared to the requested scope.Does not replace a lender’s prescribed CMA schedules or any legally required audit.
Credit appraisalThe lender’s independent evaluation of the borrower, facility, risks and repayment capacity.It is the lender’s decision process; TaxQue cannot approve or determine the credit outcome.
Features

What CMA Report Preparation Includes

The exact deliverable is defined by the lender’s requirements and the written TaxQue engagement. Typical support may include the following:

Lender-format schedules

Preparation of agreed historical and projected schedules in the template or structure requested for the specified facility.

📄

Source reconciliation

Cross-checking totals and identifying information gaps or assumptions that require client confirmation.

✅

Draft review and delivery

Sharing the draft for client review and coordinating the agreed final delivery; lender appraisal and follow-up decisions remain outside TaxQue’s control.

FAQ

Frequently Asked Questions

Quick answers about CMA Report Preparation

A CMA Report (Credit Monitoring Arrangement) is a standardized, comprehensive financial analysis format mandated by the Reserve Bank of India (RBI) and commercial banks to evaluate a business borrower's creditworthiness, repayment capacity, and working capital requirements before sanctioning or renewing Cash Credit (CC) limits, Overdrafts (OD), Term Loans, or Letter of Credit (LC) facilities exceeding ₹50 Lakhs.

A complete CMA data package comprises 7 interrelated statements: (1) Past & Projected Operating Statement / P&L, (2) Balance Sheet Analysis (Historical & 5-Year Projections), (3) Comparative Statement of Current Assets & Current Liabilities, (4) Calculation of Maximum Permissible Bank Finance (MPBF / Tandon & Nayak Committee models), (5) Funds Flow Statement, (6) Key Financial Ratios (DSCR, Current Ratio, TOL/TNW, ISCR), and (7) Plant & Machinery Depreciation & Term Loan Repayment Schedules.

Our direct banking and financial modeling desk delivers a comprehensive, bank-ready CMA Report within 2 to 3 business days once historical financial balance sheets and project estimates are provided.

Your CMA Report is structured by a Senior Corporate Finance Specialist and certified by a practicing Chartered Accountant with extensive experience preparing loan syndication dossiers for nationalized banks (SBI, PNB, BoB) and private lenders (HDFC, ICICI, Axis, Kotak).

DSCR measures a borrower's ability to service annual term loan principal and interest installments from net operating cash flows. Commercial banks look for an average DSCR of 1.5 to 2.0 (minimum 1.25). TaxQue optimizes your financial projections to achieve healthy, bank-acceptable DSCR ratios.

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