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Cma-data-format-excel


CMA Data Format in Excel




If you are planning to apply for a bank loan for your business, you may have heard of CMA data format in excel. CMA data format in excel is a document that contains the financial information of your business, such as profit and loss account, balance sheet, cash flow statement, ratio analysis, fund flow statement, and maximum permissible bank finance. CMA data format in excel is required by banks to monitor and assess the creditworthiness of your business and decide whether to approve or reject your loan application.




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CMA data format in excel stands for Credit Monitoring Arrangement data format in excel. It is a standardized format that is prescribed by the Reserve Bank of India (RBI) for all bank loan applicants. CMA data format in excel helps banks to evaluate the financial performance, liquidity position, solvency ratio, working capital management, and debt servicing capacity of your business. CMA data format in excel also helps you to understand the financial health of your business and plan your future projections.


CMA data format in excel consists of two parts: Part A and Part B. Part A contains the actual data of your business for the past two years and the provisional data for the current year. Part B contains the projected data of your business for the next two years. Part A and Part B are further divided into six sections: Section I to Section VI. Each section contains different financial statements and ratios that are explained below:


  • Section I: Operating Statement: This section contains the profit and loss account of your business. It shows the income and expenses of your business and the net profit or loss after tax.



  • Section II: Analysis of Balance Sheet: This section contains the balance sheet of your business. It shows the assets and liabilities of your business and the net worth or equity.



  • Section III: Comparative Statement of Current Assets and Current Liabilities: This section contains the current assets and current liabilities of your business. It shows the working capital position and the current ratio of your business.



  • Section IV: Calculation of Maximum Permissible Bank Finance (MPBF): This section contains the calculation of MPBF for your business. MPBF is the maximum amount of bank finance that you can avail based on your working capital requirement and margin norms.



  • Section V: Fund Flow Statement: This section contains the fund flow statement of your business. It shows the sources and applications of funds for your business and the net increase or decrease in funds.



  • Section VI: Ratio Analysis: This section contains the ratio analysis of your business. It shows various financial ratios that indicate the profitability, liquidity, solvency, efficiency, and leverage of your business.



CMA data format in excel is a very important document that can make or break your bank loan application. Therefore, you should prepare it with utmost care and accuracy. You should also update it regularly and submit it to your bank along with other documents such as project report, audited financial statements, tax returns, etc.


However, preparing CMA data format in excel can be a tedious and time-consuming task. You need to have a good knowledge of accounting principles, financial statements, ratio analysis, and bank norms. You also need to have a good command over excel formulas, functions, and formatting. You may face difficulties in collecting, entering, analyzing, and presenting the financial data of your business in a clear and concise manner.


That's why many people look for online tools or software that can help them prepare CMA data format in excel easily and quickly. There are many websites that offer free or paid services to create CMA data format in excel online. Some of them are:


  • DocHub: A website that lets you fill out and sign CMA data format in excel online using drag-and-drop features.



  • Pro-Formats: A website that provides various formats and templates for project reports and CMA data in excel.



  • Shuddh Desi Banking: A YouTube channel that provides videos on how to prepare CMA data format in excel using simple steps.



  • CA Club India: A website that provides various resources and files for chartered accountants and finance