CMA Data & Bank Loan Proposals
Credit Monitoring Arrangement data and loan applications
- 1AnalysePast performance and needs.
- 2ProjectCMA and projections prepared.
- 3PresentProposal submitted to the bank.
Share your details. We’ll reply on WhatsApp with the next steps and a checklist.
Pick a plan — the fee is adjusted if you hire us within 30 days.
About CMA Data & Bank Loan Proposals
A clear overview, in simple terms — what it is, why it matters, and how we handle it.
CMA (Credit Monitoring Arrangement) data is the format banks use to assess working capital and term loan proposals: two or three years of actual financials plus projections, operating and balance sheet ratios, assessment of working capital requirement, and fund-flow statements. Banks check it for consistency with your audited accounts, GST returns and bank statements, so credible assumptions matter more than optimistic numbers.
Lenders focus on current ratio, debt-service coverage, interest coverage, inventory and receivable days, and the promoters' margin. We build projections that tie to your actual performance and explain variances.
We prepare the CMA, project report and loan proposal, and help answer the bank's credit queries.
| Contents | Actuals, projections, ratios, working capital assessment, fund flow |
|---|---|
| Key ratios | Current ratio, DSCR, interest coverage, TOL/TNW |
| Cross-checks | Audited accounts, GST returns, bank statements |
| Used for | Working capital and term loans |
Who this is for
Common scenarios where this service is a good fit.
- MSMEs applying for working capital limits
- Businesses seeking term loans
- Companies renewing or enhancing limits
What you get
Clear deliverables so you know exactly what's included.
- CMA data
- Projected financials
- Loan proposal and project report
- Bank query support
Expert review before every submission — not just data entry.
Working notes and reconciliations you can rely on in future notices.
Resident Indians, NRIs, expats and cross-border businesses — all served.
Documents required
A practical checklist. We'll tell you if anything else is needed based on your case.
* This is a base checklist. After a quick pre-check, we may ask for additional items specific to your case.
Process
A simple, trackable workflow — designed to avoid back-and-forth.
Past performance and needs.
CMA and projections prepared.
Proposal submitted to the bank.
Get a quote
We share a clear quote on WhatsApp after a quick checklist pre-check.
- Fixed quote on WhatsApp after a short look at your facts and documents.
- Government fees, if any, are paid at actuals and shown separately.
| Factor | DIY | Indus Tax |
|---|---|---|
| Expert review | ❌ | ✅ |
| Notice risk reduction | ❌ | ✅ |
| Deduction optimisation | ❌ | ✅ |
| Audit-ready records | ❌ | ✅ |
| AIS/26AS reconciliation | ❌ | ✅ |
Share your facts and deadline. We'll reply with the right checklist and a clear quote.
Fee adjusted against our service fee if you go ahead within 30 days.
- Priority CA Call-backSkip the queue — a CA calls you within 30 minutes.₹255
- RecommendedCA Consultation (30 min)Talk one matter through properly with a CA.₹755
- In-depth CA Review (60 min)Documents reviewed before the call, written action plan after.₹1,155
Call-backs run Mon–Sat, 9 AM–6 PM IST. Booked outside these hours? We call you first thing the next working morning.
Compare the 3 plansFrequently asked questions
Answers to the most common questions we get.
Official sources
Indus Tax is a private professional services firm and is not affiliated with any government authority. Rules and fees change — we confirm current positions before filing.
