CMA Data Preparation in Guwahati

CMA data preparation in Guwahati for cash credit, overdraft and working capital renewals: operating statement, fund flow, MPBF and ratios in bank format.

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Project Finance & Funding

What is CMA Data Preparation?

CMA (Credit Monitoring Arrangement) data is the set of past, current and projected financial statements that banks require to sanction or renew working capital limits. GBA prepares it in the standard format with the ratios and maximum permissible bank finance worked out.

What to bring

Audited financials for the last two years
Current year provisional figures
Existing sanction letter and stock statements

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Who needs this?

Businesses applying for a new cash credit or overdraft limit
Existing borrowers with an annual renewal due
Companies seeking an enhancement in limits after growth
Borrowers whose bank has raised queries on the last submission

What does GBA do?

Compile two years actual, current year estimate and projections
Prepare the operating statement, balance sheet, fund flow and working capital assessment
Compute current ratio, DSCR, TOL/TNW and MPBF as per the bank method
Reconcile the CMA with audited accounts and GST turnover so nothing is questioned

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How the work runs

How does an engagement with GBA work?

The same four steps whether it is a single return or a multi-year appeal.

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Tell us the problem

Call, WhatsApp or use the enquiry form. A partner calls back to understand the issue and the deadline, if there is one.

Share the documents

You get a short checklist of what to send. Scans over WhatsApp or email are fine; originals only when a filing needs them.

Get a written plan and fee

Before any work starts you receive what will be done, by when, and the professional fee. No percentage-based or surprise charges.

We file, represent and follow through

Returns are e-verified, notices are replied to, appeals are argued. You are told when each step is complete and what comes next.

Questions about this service

What does CMA stand for?

Credit Monitoring Arrangement, the reporting format introduced by the Reserve Bank of India for banks to assess working capital needs of borrowers.

When should CMA data be submitted for renewal?

Most banks ask for it 30 to 60 days before the limit expires. Late renewal can lead to the account being flagged, so GBA schedules it against the sanction date.

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Handled by

CA Ravi Bajoria

Chartered Accountant

Handles GST compliance and advisory, company and LLP incorporation, ROC filings, accounting systems and project finance work, including DPRs and CMA data for bank facilities.

Both partners are members of the Institute of Chartered Accountants of India (ICAI).