CMA Data Preparation in Guwahati

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.

Who it is for

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

The work

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

What to bring

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

Questions

Questions about this service

Direct answers about cma data preparation from GBA, Guwahati.

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.

Other services in Project Finance & Funding

Talk to a Chartered Accountant this week

Describe the issue in a few lines. A partner replies within one working day with the next step and, where possible, a fee.

Book a consultation Call +91 99540 10296