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CMA DATA Report Abuse

Category : Finance | This query is : resolved


author : SHAILENDRA KUMA

Posted On
23 June 2018

How to check weather cma data is correct or not

how to verify it anylisis

 


Expert : PRANGYA PRADEEP MOHANTY

Posted On
29 November 2019

Credit Monitoring Arrangement data basically required by financier to assess your financial future requirement and your position of repayment.

CMA report must cover the following

1. Details of existing and proposed fund limit: In this report, details about your current financial condition, borrowed fund and proposed fund are covered.If the business is new, proposed data is required to be given.

2. Operating statement: You are required to show past 2 years and future 3 years ( Proposed) operating statements. There may be some changes as per loan needed and business nature.The profit and loss account should be presented here.

3. Analysis of balance sheet: Details about your balance sheets of past years are required to show. It is also required to show proposed balance sheet data to show a picture of your future business plan. Details about current assets, fixed assets, current and long-term liabilities are presented in this statement.

4. Comparative statements of current assets and liabilities: This statement describes the viability of your working capital cycle.

5. Calculation of MPBF: Calculation of maximum permissible bank finance. This statement shows the capacity of the borrower to borrow money. It depends on two methods which are dependent on working capital.

6. Fund flow statements: This statement shows the fund flow statements for current and future years. It shows the fund utilisation and sources of funds.The statement is important because it highlights the utilization of fund. To make sure the bank that you are using the fund for the purpose you have borrowed.

7. Ratio analysis: This is also one of the long and important statements of CMA data.It covers key ratios. Some ratios are the current ratio, MPBF, Net worth ratio, quick ratios, turnover ratios, debt-equity ratios, DSCR etc

You must be very careful while preparing the CMA because over & under stated information will result negative impact of credit assessment.

 


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