What is a CMA data pack for a bank working-capital file?
A Credit Monitoring Arrangement (CMA) pack is Forms I–VI style schedules banks use to size or renew cash credit and overdraft. JR Loan Advisors’ CMA data maker builds those sheets from your figures. Indicative only — the bank decides. RBI Key Facts Statement rules for cost disclosure: RBI notification (checked 28 Oct 2026).
Formula / pack version shown in the tool after you generate · checked 28 Oct 2026
- What — online CMA data maker: numbers pack banks often ask for (sales, costs, balance sheet, fund flow, MPBF / working capital).
- Why useful — Excel often takes days. This builds the pack in about 10 minutes once your numbers are ready.
- Who — business owners, CAs, and finance teams filing a loan.
- When — before a working capital or term loan ask, when the bank wants CMA papers.
- What to click — try Year 1 below, or sign in with Google and pay ₹999.
Try free · then buy ₹999
Year 1 free · ₹999: Year 1 look and print on this page are free (plus the sample CMA PDF). The full Forms I–VI multi-year pack is ₹999 once — not a subscription. Optional CA review ₹2,499.
See free sample Sign in with Google to buy · ₹999 Need monthly stock paper?
CMA Forms I–VI — what each sheet is for
| Form | What it shows |
|---|---|
| I | Limits sketch — existing vs proposed facilities |
| II | Operating statement / profit and loss |
| III | Balance sheet |
| IV | Current assets and short-term debts |
| V | Working capital / MPBF bank loan-limit views |
| VI | Fund flow (sources and uses between years) |
Same labels many Indian banks use on CMA packs. Your bank may ask for extra annexes.
Online CMA pack vs Excel template
| Need | Excel template | JR CMA data online |
|---|---|---|
| Speed when numbers change | Often hours to rebalance sheets | About 10 minutes once inputs are ready |
| Forms I–VI + fund flow | Depends on your file | Built in |
| Price | Your time | Year 1 free · full ₹999 |
| CA judgment | Still needed | Still needed · optional CA review ₹2,499 |
This pack vs a generic online CMA page
| Need | Typical online CMA page | JR CMA data maker |
|---|---|---|
| Try before you pay | Often sample PDF only | Live Year 1 on this page · free |
| MPBF methods | Often one auto number | Tandon I · Tandon II (edit margin %) · turnover view |
| Price | Varies | Full pack ₹999 once · optional CA review ₹2,499 |
| CC / OD next step | Separate product or none | CC/OD Enhancement + stock statement |
Pair with the credit-desk note on how banks read CMA at renewal.
Free sample CMA pack
CMA data is the numbers pack banks often ask for before a loan. Year 1 look is free. Full pack ₹999 once. Sample only.
Year 1 of the live tool is free on this page. Full years cost ₹999.
Optional CA review — ₹2,499
Want a human Chartered Accountant to re-check the numbers after the software draft? Ask on WhatsApp.
Formula jr-cma-forms-mpbf-1.0.0 · Forms I–VI + Tandon/Nayak MPBF sketches · bank decides
- Total current assets (Form IV)
- —
- Other short-term debts (not bank WC)
- —
- Bank method 1
- —
- Bank method 2
- —
- Turnover method
- —
- Own money the bank expects you to keep in the business (Method II margin)
- —
- Current ratio at the bank’s usual maximum loan formula (method 2)
- —
- Total debts divided by owner money (Year 1)
- —
- How easily earnings cover loan payments (debt service cover, Year 1)
- —
Extra bank checks
Method compare (what this means for the banker)
What-if sales (±10% / ±20%)
Paid pack shows sales shocks. Free preview shows the Year-1 base row only.
Banker checklist (before download)
Expert interpretation
Drawing power / stock-statement bridge
CMA sets the annual WC story. Month-to-month drawing power still comes from the stock statement (inventory, book debts, creditors, margins). After the bank sets a CC limit, use the free Drawing Power Studio or the paid Stock Statement Pack to see how this month’s stock statement changes usable DP — and the working capital limit calculator for a quick limit sketch.
Yearly business earnings and expenses summary (Form II)
Years 2–3 are preview-gated (blur). After purchase they open in this online workspace (same Google email you signed in with). Multi-page PDF + schedule spreadsheet after you pay.
Balance sheet (bank Form III) (simplified CMA)
Fund flow (bank Form VI) (year-to-year)
Limits sketch — existing vs proposed (bank Form I)
| Facility | Existing | Proposed | Notes |
|---|
Form V detail + ratios (total debts vs owner money) + how easily earnings cover loan payments
What checklist buyers care about
- Form VI-style fund flow and ratio views many light tools skip
- Method choice for WC assessment (as your bank asks) — engine stays private
- On-screen banker checklist before download
- Clear note: the bank decides the final limit
- Sample pack you can judge before paying · edit after you buy
Account — Sign in with Google
What is CMA data for a bank loan?
CMA data is the paperwork pack a credit officer uses to see past, estimated and projected years. For a working capital or larger term loan, banks commonly ask for an operating statement / P&L, balance sheet, fund flow, working-capital assessment (Form V — bank loan limit) and key ratios. This CMA Data Maker builds those schedules from the numbers you type.
CMA data format in Excel vs this online CMA pack — open if you compare templates
CMA data format in Excel
Many firms keep a CMA data format in Excel for CC limit files. That is fine for drafting. Banks still check that the same lines match GST, bank statements and audited accounts. JR keeps Year 1 free on screen; the paid pack is an online CMA pack with multi-page PDF plus spreadsheet export of key schedules — tied to the Google email you paid with.
CMA data for CC limit / working capital CMA
For cash credit and overdraft, the CMA feeds the limit discussion and the annual renewal. Pair it with a monthly stock statement and drawing power check — see the free Drawing Power Studio and the working capital limit calculator.
CA time vs software time — open if you wonder why Excel CMA takes days
Why CAs and CFOs still win with software
Hand-built CMA is slow because every schedule must stay in balance. Change sales once and P&L, current assets, fund flow and the bank loan-limit schedule all move. Software does that recompute in seconds.
Use this tool to draft fast. Keep your CA for judgment on growth rates, margins and what the credit officer will challenge. Add Optional CA review (₹2,499) when you want a second CA pair of eyes before the bank meeting.
What is CMA data? — plain meaning
What is CMA data?
CMA data is the numbers pack a bank often asks for before a business loan: sales, costs, balance sheet, where money came from and went, what you own and owe soon, and a simple plan for the next few years. Year 1 look is free here. The full online pack is ₹999 once. This tool does not mean the bank has approved a loan.
How to use this CMA Data Maker step by step — open if you want the short path
How do I prepare CMA data here?
- Pick ₹ crore or ₹ lakh and enter Year 1 sales, costs, Form IV and Form III lines.
- Set growth and the proposed CC/OD or term loan — every field is editable.
- Read Form V (maximum bank loan), total debts vs owner money, how easily earnings cover loan payments, checklist and what-if on screen.
- Export Year 1 free, or buy all years online for ₹999 (Google sign-in, PDF + spreadsheet).
Need a human review of a ₹5 Cr+ renewal file? See working capital renewal & compliance.
How to read Form V on this page — open if you want the short guide
- Form V — bank loan-limit views — the tool shows common working-capital assessment labels banks recognise (method 1, method 2, turnover). Read the rupee sketches next to each label; the credit officer still decides which view and which limit apply.
- What to compare — proposed CC/OD vs the assessment sketches, current ratio, total debts vs owner money and how easily earnings cover loan payments. If proposed WC sits well above a sketch, expect questions on margin or a cut.
- Other short-term debts — amounts you owe soon that are not bank cash credit, overdraft, or short working-capital loan (as entered on Current assets and short-term debts / Form IV).
- Debt-to-worth — outside liabilities vs tangible net worth.
- Engine stays private — schedules and results on screen / PDF; we do not publish step-by-step calculation tutorials on this page.
What you get in the pack
- Live now — Forms I–VI style pack for 3 years (operating/P&L, Form III BS, Form IV WC, Form V bank loan limit, Form VI fund flow), plus a cash-flow statement annex and multi-year ratios annex in the paid PDF/CSV, CR + total debts vs owner money + how easily earnings cover loan payments, 7 extras, ₹999, watermarked multi-page PDF + schedule spreadsheet.
- Later — up to 10 projection years (3 shown by default).
The bank alone decides the loan. Discuss a ₹5 Cr+ file: WhatsApp +91 94450 93336.
Written and reviewed by CA Jitendraa Rathi, Chartered Accountant (CA membership number 217936) · Ex-banker, 20 years of experience in credit and lending · LinkedInLast reviewed · Expert review: CA Jitendraa Rathi (ICAI 217936)
Frequently asked questions
What is CMA data for a bank loan?
CMA (Credit Monitoring Arrangement) is the numbers pack banks often ask for before a working capital or term loan — sales, costs, balance sheet, fund flow, and working capital / MPBF views. This online tool builds that pack.
How do I prepare a CMA report online here?
Enter Year 1 sales, costs, Form IV and Form III lines. Set growth. Read Forms I–VI on screen. Year 1 look is free. Full multi-year Forms I–VI pack is ₹999 once after Google sign-in.
What format do banks expect, and what is MPBF?
Most Indian banks want a Forms I–VI style pack (limits, operating statement, balance sheet, current assets, MPBF / loan-limit, fund flow). MPBF on Form V is the working-capital limit sketch; the credit officer still picks the limit. Your bank may ask for extra annexes.
What is free and what is paid?
Year 1 look and print is free. Full Forms I–VI pack is ₹999 once. Optional CA review of your numbers is ₹2,499. The bank still decides the loan.
Is this downloadable CMA software?
No desktop install. It runs in your browser. Year 1 free; full pack ₹999 after Google sign-in. We do not sell an offline CMA download.