Practice Brief • Registrations, Licenses & Regulatory Compliance
Assistance in Loan Applications & Project Reports
CMA Data preparation, Detailed Project Reports (DPR), bank credit syndication, and financial feasibility.
Turnaround: 3 to 7 business days
Practice Lead: CA. R.A. Dhoot & Debt Advisory Team
Practice Methodology & Regulatory Scope
Banks require rigorous credit appraisals before sanctioning Cash Credit (CC) limits, Overdraft (OD), or Term Loans. We prepare defensible financial models, sensitivity tables, break-even analyses, and CMA data that satisfy bank risk teams and credit committees.
Governing Statutory Acts & Guidelines
RBI Prudential Framework for Resolution of Stressed Assets
Bank Credit Policy Guidelines
Tandon & Chore Committee Norms
Tangible Client Deliverables
1
CMA Data preparation (Operating Statement, Balance Sheet Analysis, MPBF, Funds Flow)2
Detailed Project Report (DPR) with techno-economic feasibility study3
Computation of Debt Service Coverage Ratio (DSCR), Current Ratio, and Interest Coverage4
Direct assistance during bank credit appraisal meetings and inspection queries5
Coordination for TEV (Techno-Economic Viability) and chartered valuer reportsMeasurable Enterprise Safeguards
Higher probability of swift loan sanction at competitive interest margins
Accurate working capital limit determination matching genuine cash cycle needs
Professional defense against arbitrary credit appraisal cuts
Statutory Practice FAQs
Q: What is CMA Data in bank loan applications?
A: CMA (Credit Monitoring Arrangement) Data is a standardized banking financial report comprising historical, estimated, and projected financial statements used by bankers to evaluate a borrower's working capital needs (Maximum Permissible Bank Finance - MPBF) and repayment capacity.
Partner Consultation
Engage Practice Partner
Schedule an in-person chambers discussion or encrypted virtual conference with our senior practice leader.
Designated Partner Lead:
CA. R.A. Dhoot & Debt Advisory Team
ICAI Fellow Chartered Accountant
Strict client confidentiality maintained under ICAI Code of Ethics.