CMA data is the six-form financial statement banks use to assess working-capital limits and term loans: Form I particulars of limits, Form II operating statement, Form III balance sheet, Form IV current assets and liabilities, Form V MPBF (maximum permissible bank finance) and Form VI fund flow. Enter actuals and projections once; every form and ratio is produced.
Any borrower applying for working-capital limits (cash credit, overdraft) or term loans above a small threshold — typically above ₹10–25 lakh — and every renewal of existing limits.
Maximum Permissible Bank Finance — the second method of lending (Tandon/Nayak) where the bank finances 75% of the working-capital gap and the borrower brings 25% from long-term sources.
Current ratio (about 1.33), TOL/TNW (below 3–4), DSCR (around 1.5), interest coverage and the trend of sales and net profit over the projected years.
Prepared by Avani Corporation, Indore — Solutions for every financial need. Formats follow standard bank appraisal practice; the sanctioning bank's own assessment is final. Free to use; WhatsApp 9183020110 for help.