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Template

CMA Data Template (Bank Loan)

The Credit Monitoring Arrangement (CMA) data format banks ask for, with actual, current and projected years to support your loan or CC/OD application.

CMA DATA — CREDIT MONITORING ARRANGEMENT

Applicant: [Borrower Name] | Facility: [Term Loan / CC / OD] | Amount: ₹[__] | Bank: [Name]

#	Particulars (₹ in lakh)	Audited FY24-25	Estimated FY25-26	Projected FY26-27
A	Operating Statement
1	Net Sales (excl. GST)	[420]	[520]	[640]
2	Cost of Sales	[300]	[365]	[445]
3	Operating Profit (PBDIT)	[60]	[80]	[105]
4	Interest	[12]	[15]	[18]
5	Net Profit (PAT)	[30]	[42]	[58]
B	Balance Sheet
6	Net Worth (Capital + Reserves)	[110]	[145]	[195]
7	Term Liabilities	[50]	[70]	[60]
8	Current Liabilities	[95]	[120]	[140]
9	Current Assets (Stock + Debtors + Cash)	[160]	[205]	[250]
10	Fixed Assets (Net)	[85]	[110]	[125]
C	Key Ratios
11	Current Ratio	[1.68]	[1.71]	[1.79]
12	Debt-Equity Ratio	[0.45]	[0.48]	[0.31]
13	Debt Service Coverage Ratio (DSCR)	[1.9]	[2.1]	[2.4]

How to use: Fill the Audited column from your last signed financials, then build Estimated (current) and Projected (next) years with realistic growth. Banks focus on Current Ratio (≥1.33), DSCR (≥1.5) and Net Working Capital. Attach GST returns and ITRs to support the sales figures. Keep all figures ₹ in lakh and consistent across the operating statement, balance sheet and fund-flow.

Before you use it — fill in / check

Borrower name
Facility type & amount
Net sales (3 years)
Operating & net profit
Net worth
Current & term liabilities
Current & fixed assets
Current ratio / DSCR / D-E ratio

How to use this template

Read through and replace every [bracketed] or blank placeholder with your actual details.
Delete any clause that doesn't apply and add anything specific to your situation.
Click Print / Save as PDF to download, or Copy text to paste into your letterhead.
Get it signed / stamped / notarised as required, and keep a copy for your records.

This is a general, editable template for convenience only — not legal advice. For anything material, have a professional review it. TaxClue isn't liable for how it's used.