Credit Monitoring Arrangement or CMA data is required to obtain financial assistance from banks. You can view sample CMA data report and also download CMA report in PDF and MS Excel.
This CMA report is accepted by all banks and contain all details required by banks to obtain loans. Download CMA report in PDF or Excel.
8TH CROSS, NO.786, MG ROAD, India Marg,
Marrenhalli,
Bangalore 560001
This Credit Monitoring Arrangement (CMA) Report has been designed to show future vaibility of oprations. It is a Proprietorship concern promoted by Yediyurappa kumaraswamy.
Now it is proposed to avail financial assistance from a financial institute. Hence this Credit Monitoring Arrangement (CMA) Report is presented.
8TH CROSS, NO.786, MG ROAD, India Marg,
Marrenhalli,
Bangalore 560001
ABC Trading Company
Amount in : ₹ Lakhs| PARTICULARS | Operating Years | ||||
|---|---|---|---|---|---|
| 2020 Audited | 2021 Provisional | 2022 | 2023 | 2024 | |
| Revenue from Operations | 403.1 | 575.3 | 634.84 | 792.3 | 988.13 |
| Total Income (a) | 403.1 | 575.3 | 634.84 | 792.3 | 988.13 |
| Cost of Operations | 354.25 | 506.3 | 553.52 | 691.89 | 864.87 |
| Employee Cost | 9.14 | 20.84 | 14.28 | 17.85 | 22.31 |
| Power & Fuel | 3.52 | 2.87 | 5.5 | 6.88 | 8.59 |
| Depreciation | 1.01 | 0.78 | 0.63 | 0.5 | 0.41 |
| Marketing Expenses | - | - | - | - | - |
| Interest on Borrowings | 7.08 | 5.67 | 10.75 | 8.03 | 5.32 |
| Other Expenses | 10.52 | 13.98 | 16.44 | 20.55 | 25.68 |
| Income Tax | - | - | - | - | - |
| Total Expenses (b) | 385.52 | 550.44 | 601.12 | 745.7 | 927.18 |
| Profit/-Loss after Tax (a-b) | 17.58 | 24.86 | 33.72 | 46.6 | 60.95 |
*Note: First operating year is for 12.0 months.
ABC Trading Company
Amount in : ₹ Lakhs| PARTICULARS | Operating Years | ||||
|---|---|---|---|---|---|
| 2020 Audited | 2021 Provisional | 2022 | 2023 | 2024 | |
| Promoter's Capital | 36.55 | 26.07 | 36.55 | 36.55 | 36.55 |
| Profit & Loss Reserves | 17.58 | 42.44 | 76.16 | 122.76 | 183.71 |
| Borrowing from Financial Institutes | 54.47 | 43.58 | 82.69 | 61.8 | 40.91 |
| Other Loans | 76.53 | 121.42 | 52.27 | 21.21 | 64.96 |
| Creditors | 114.35 | 173.18 | 150.0 | 180.0 | 200.0 |
| Other Current Liabilites | - | - | - | - | - |
| LIABILITIES | 299.48 | 406.69 | 397.67 | 422.32 | 526.13 |
| Fixed Assets | 4.83 | 4.05 | 3.42 | 2.92 | 2.51 |
| Cash & Bank Balances | 4.49 | 17.81 | 7.88 | 20.45 | 12.69 |
| Debtors | 203.8 | 264.9 | 250.0 | 230.0 | 300.0 |
| Inventory | 84.15 | 115.6 | 132.53 | 165.4 | 206.28 |
| Investments & Deposits | - | - | - | - | - |
| Other Current Assets | 2.21 | 4.33 | 3.84 | 3.55 | 4.65 |
| ASSETS | 299.48 | 406.69 | 397.67 | 422.32 | 526.13 |
ABC Trading Company
Amount in : ₹ Lakhs| PARTICULARS | Operating Years | ||||
|---|---|---|---|---|---|
| 2020 Audited | 2021 Provisional | 2022 | 2023 | 2024 | |
| A. Source of Funds | |||||
| Profit from Operations | 17.58 | 24.86 | 33.72 | 46.6 | 60.95 |
| Depreciation | 1.01 | 0.78 | 0.63 | 0.5 | 0.41 |
| Cash from Borrowings | - | - | 50.0 | - | - |
| Cash by Promoters (Capital) | 36.55 | -10.48 | 10.48 | 0.00 | 0.00 |
| TOTAL OF A | 55.14 | 15.16 | 94.83 | 47.10 | 61.36 |
| B. Application of Funds | |||||
| Fixed Assets | - | - | - | - | - |
| Repayment of Borrowings | - | 10.89 | 10.89 | 20.89 | 20.89 |
| Change in working capital | 99.28 | -9.05 | 93.87 | 13.64 | 48.23 |
| TOTAL OF B | 99.28 | 1.84 | 104.76 | 34.53 | 69.12 |
| Net Cash Generated (A-B) | -44.14 | 13.32 | -9.93 | 12.57 | -7.76 |
| Opening Cash Balance | -48.63 | 4.49 | 17.81 | 7.88 | 20.45 |
| Closing Cash Balance | 4.49 | 17.81 | 7.88 | 20.45 | 12.69 |
ABC Trading Company
Amount in : ₹ Lakhs| PARTICULARS | Operating Years | ||||
|---|---|---|---|---|---|
| 2020 Audited | 2021 Provisional | 2022 | 2023 | 2024 | |
| Plant & Machinery | |||||
| Opening WDV | 4.5 | 3.82 | 3.25 | 2.76 | 2.35 |
| Cost of Asset | - | - | 0.0 | - | - |
| Depreciation Rate | 15.0% | 15.0% | 15.0% | 15.0% | 15.0% |
| Depreciation | 0.68 | 0.57 | 0.49 | 0.41 | 0.35 |
| Closing WDV | 3.82 | 3.25 | 2.76 | 2.35 | 2.0 |
| Computers | |||||
| Opening WDV | 0.76 | 0.46 | 0.28 | 0.17 | 0.1 |
| Cost of Asset | - | - | 0.0 | - | - |
| Depreciation Rate | 40.0% | 40.0% | 40.0% | 40.0% | 40.0% |
| Depreciation | 0.3 | 0.18 | 0.11 | 0.07 | 0.04 |
| Closing WDV | 0.46 | 0.28 | 0.17 | 0.1 | 0.06 |
| Furniture and fittings | |||||
| Opening WDV | 0.33 | 0.3 | 0.27 | 0.24 | 0.22 |
| Cost of Asset | - | - | 0.0 | - | - |
| Depreciation Rate | 10.0% | 10.0% | 10.0% | 10.0% | 10.0% |
| Depreciation | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 |
| Closing WDV | 0.3 | 0.27 | 0.24 | 0.22 | 0.2 |
| Others | |||||
| Opening WDV | 0.25 | 0.25 | 0.25 | 0.25 | 0.25 |
| Cost of Asset | - | - | 0.0 | - | - |
| Depreciation Rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Depreciation | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Closing WDV | 0.25 | 0.25 | 0.25 | 0.25 | 0.25 |
| Total Depreciation | 1.01 | 0.78 | 0.63 | 0.5 | 0.41 |
| Closing Balance | 4.83 | 4.05 | 3.42 | 2.92 | 2.51 |
ABC Trading Company
Amount in : ₹ Lakhs| PARTICULARS | Operating Years | ||||
|---|---|---|---|---|---|
| 2020 Audited | 2021 Provisional | 2022 | 2023 | 2024 | |
| Opening Balance (A) | 54.47 | 54.47 | 43.58 | 82.69 | 61.8 |
| Borrowing (B) | - | - | 50.0 | - | - |
| Repayment of Borrowings (C) | - | 10.89 | 10.89 | 20.89 | 20.89 |
| Interest Payment | 7.08 | 5.67 | 10.75 | 8.03 | 5.32 |
| Closing Balance (A+B-C) | 54.47 | 43.58 | 82.69 | 61.8 | 40.91 |
ABC Trading Company
Amount in : ₹ Lakhs| PARTICULARS | Operating Years | ||||
|---|---|---|---|---|---|
| 2020 Audited | 2021 Provisional | 2022 | 2023 | 2024 | |
| Revenue from Operations | 403.1 | 575.3 | 634.84 | 792.3 | 988.13 |
| A. Operating Revenue | 403.1 | 575.3 | 634.84 | 792.3 | 988.13 |
| Operating Expenses | |||||
| Cost of Operations | 354.25 | 506.3 | 553.52 | 691.89 | 864.87 |
| Employee Cost | 9.14 | 20.84 | 14.28 | 17.85 | 22.31 |
| Power & Fuel | 3.52 | 2.87 | 5.5 | 6.88 | 8.59 |
| Marketing Expenses | - | - | - | - | - |
| Other Expenses | 10.52 | 13.98 | 16.44 | 20.55 | 25.68 |
| B. Operating Expenses | 377.43 | 543.99 | 589.74 | 737.17 | 921.45 |
| Fixed Expenses | |||||
| Depreciation | 1.01 | 0.78 | 0.63 | 0.5 | 0.41 |
| Finance Cost | 7.08 | 5.67 | 10.75 | 8.03 | 5.32 |
| C. Fixed Expenses | 8.09 | 6.45 | 11.38 | 8.53 | 5.73 |
| D. Contribution (A-B) | 25.67 | 31.31 | 45.10 | 55.13 | 66.68 |
| E. PV Ratio (D/A*100) | 0.06 | 0.05 | 0.07 | 0.07 | 0.07 |
| F. Break Even Value (C/E) | 134.83 | 129.00 | 162.57 | 121.86 | 81.86 |
| G. Cash Break Even Value (Without Depreciation) | 118.00 | 113.40 | 153.57 | 114.71 | 76.00 |
ABC Trading Company
Amount in : ₹ Lakhs| PARTICULARS | Operating Years | ||||
|---|---|---|---|---|---|
| 2020 Audited | 2021 Provisional | 2022 | 2023 | 2024 | |
| Operating Cash Source | |||||
| Profit after Tax | 17.58 | 24.86 | 33.72 | 46.6 | 60.95 |
| Depreciation | 1.01 | 0.78 | 0.63 | 0.5 | 0.41 |
| Finance Cost | 7.08 | 5.67 | 10.75 | 8.03 | 5.32 |
| A. Total | 25.67 | 31.31 | 45.10 | 55.13 | 66.68 |
| DEBT | |||||
| Loan Repayment | - | 10.89 | 10.89 | 20.89 | 20.89 |
| Finance Cost | 7.08 | 5.67 | 10.75 | 8.03 | 5.32 |
| B. TOTAL | 7.08 | 16.56 | 21.64 | 28.92 | 26.21 |
| Debt Service Coverage Ratio (A/B) | 3.63 | 1.89 | 2.08 | 1.91 | 2.54 |
ABC Trading Company
Return on Investment = (Average Return/Capital Employed)*100
Return = Profit before tax + Depreciation + Financing Cost
Capital Employed = Capital + Borrowings
| PARTICULARS | Operating Years | ||||
|---|---|---|---|---|---|
| 2020 Audited | 2021 Provisional | 2022 | 2023 | 2024 | |
| Profit before tax | 17.58 | 24.86 | 33.72 | 46.60 | 60.95 |
| Depreciation | 1.01 | 0.78 | 0.63 | 0.5 | 0.41 |
| Interest | 7.08 | 5.67 | 10.75 | 8.03 | 5.32 |
| Return | 25.67 | 31.31 | 45.10 | 55.13 | 66.68 |
Here is the sample CMA data in pdf which you can download. You can download this sample CMA report in PDF.
You can download sample CMA report in PDF. This sample report is generated using Banking91 project report generator tool.
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Download CMA report in excel format. You can use this excel format to prepare CMA report which is accepted by all banks.
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