CMA Data

Overview

CMA Data which is credit monitoring arrangement is a financial report which is used by the organization to evaluate the financial position of the organization. These are the distinctive data which is used by the credit agencies, financial institutions and banks for granting loan or to increase the credit limit of the organization.

Documents Required

• Financial audit of the previous 2years.
• Schedule of loan repayment.
• The newest sanction letter.
• If any enhancement, then all the details of enhancement together with terms and conditions.
• Cost sheet of all direct and indirect taxes

Use of CMA Data
It is required for various process like:

• For project loans
• For term loans
• For working capital limits

Format of CMA Data

It contains the actual performance of preceding 2years , next 5 years projections and estimated figure of ongoing year. It also contains details factors like:

1. Ratio analysis
2. Balance sheet
3. Profit and loss account
4. Cash flow statement
5. Fund flow statement
6. Permissible bank finance analysis

Some key features of CMA data

1. Variations in the performance should be properly justified.
2. All the assumptions in the CMA data should be written separately.
3. All the things should be properly linked to the CMA data.
4. The organization should be able to justify the performance.