CMA Data (Essential)


  • For Credit limits up to Rs.25 lacs
  • Up to Three Responses to Bank Queries

9 in stock




CMA gives a financial blueprint of a company performance year-on-year. The overall financial health, eligibility for loan, repayment capacity, etc., can be determined with the use of CMA data. A properly planned and well drafted CMA Data is sufficient to establish eligibility for loan.


  • All assumptions and estimates used in preparation of CMA should be mentioned separately.
  • Future projections should be realistic and not merely arithmetic multiples of current performance.
  • Fluctuations in performance should be strongly justifiable.
  • All fixed assets, depreciation and loan repayment schedules should be annexed and linked to CMA Data.
  • Past performance and actual numbers should be exactly as per Audited Financials.
  • The company should be able to justify the performance and numbers projected.
  • In case of multiple businesses activity or locations, detailed annexure should be attached showing breakup of how the projected numbers are arrived at
  • CMA Data should represent a viable business performance – over borrowing is unfavourable and cannot be justified through financial ratios It is important to note that even though a CMA Data is a very detailed analysis of the Profit and Loss statement and balance sheet of a company, there are only a handful of ratios and indicators on which loan eligibility is decided.

The key to preparing a good CMA Data is to present a healthy financial projection, but and at the same time – to communicate that funds are needed for expansion. Hence a perfect balance needs to be achieved and explained through the CMA Data – that the company is healthy enough to repay the loan but not so much that it can expand without availing the loan.


In contrast to CMA Data, a project report contains not only financial analysis but also the following
  • Company History and Promotor Background.
  • Analysis of Strengths and Weaknesses.
  • Need for Loan Funds and how Method of Optimum Utilization.
  • Current Operations and Market Positioning.
  • Opportunities and Expansion Plan of the Company.


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