CMA Data
CMA Data means Credit Monitoring Assessment Data. CMA data is must for each and every Business loan which includes Term Loan, Cash Credit, Bank Guarantee, Letter of Credit and Agricultural Loans, etc. for Feasibility Analysis and Credit Rating Analysis of the proposal.
CMA data comprises of following Financial Statements:
- Project Cost
- Historic and Projected - Profit and Loss Account
- Historic and Projected - Balance Sheet Statement
- Historic and Projected - Fund Flow Statement
- Historic and Projected - Cash Flow Statement
- Working Capital Analysis
- Maximum Permissible Bank Finance Analysis (MPBF) (Nayak Committee and Tandon Committee)
- Current Assets and Current Liability Analysis
- Debt Service Coverage Ratio (DSCR)
- Repayment Schedule
- Depreciation Schedule
- Break-even (BEP) Analysis
- Sensitivity Analysis
- Financial Ratio Analysis