Six-form CMA · MPBF · DSCR · Sensitivity · Verdict

Before the bank reads your file, read it yourself.

Enter your figures once. You get the six CMA forms, working capital eligibility both ways, a DSCR schedule, a stress test at lower sales — and an honest page telling you exactly what a credit officer will ask.

The business

Business name

Constitution

Nature of business

Industry / product

City

Financial year ending

All money figures below are in ₹ lakh. Enter 250 for ₹2.5 crore.

Operating results — two years audited, one year current

₹ lakh	FY 2023-24 Audited	FY 2024-25 Audited	FY 2025-26 Provisional
Net sales
Cost of sales
Operating expenses
Depreciation
Interest

Cost of sales = opening stock + purchases − closing stock (for a trader), or material + direct labour + factory overhead (for a manufacturer).

Balance sheet — as at the latest year end

Capital + reserves Net worth

Term liabilities Loans over 1 year

Bank working capital CC / OD outstanding

Sundry creditors

Other current liabilities Statutory dues, expenses payable

Unsecured loans from promoters

Net fixed assets

Inventory

Sundry debtors

Cash and bank

Other current assets Advances, deposits, GST credit

Other non-current assets

Projections — the next three years

Sales growth — year 1 (%)

Sales growth — year 2 (%)

Sales growth — year 3 (%)

Gross margin going forward (%)Leave blank to hold current

Operating expenses (% of sales)Leave blank to hold current

Tax rate (%)

Inventory holding (days)

Debtor collection (days)

Creditor payment (days)

Capex — year 1

Capex — year 2

Depreciation rate on block (%)

Drawings / dividend per year

Minimum cash to hold (% of sales)

What you are asking the bank for

Working capital limit sought

Interest on working capital (%)

New term loan sought

Term loan tenure (years)

Term loan interest (%)

Moratorium (months)

Existing term loan repayment per year

Purpose of the facility

AuditorSaab · V Advis Pvt Ltd · Villupuram