What is CMA Data? Format for Bank Loan (with Excel)
For most working-capital and term loans above ₹5 lakh, banks ask for CMA data. Missing or inconsistent CMA data is one of the most common reasons files get returned.
What CMA data contains
CMA (Credit Monitoring Arrangement) data is a standardised IBA format with the operating statement, balance-sheet analysis, comparative ratios, the fund-flow statement and the Maximum Permissible Bank Finance (MPBF).
The ratios that matter
Banks look closely at the current ratio (ideally ≥ 1.25), the debt-equity ratio and the DSCR. Your MPBF determines how much working-capital limit you can get — you can estimate it with an MPBF calculator.
Preparing it
Building CMA data manually in Excel is technical and error-prone. A CMA data generator produces the IBA-format statements in minutes and exports to Excel.
FAQ: Who needs CMA data?
Any business seeking a working-capital limit or term loan above the bank’s threshold (commonly ₹5 lakh+) will be asked for CMA data.
