Create CMA
Free while in beta hello@munimly.inCopied

Online CMA report generator
for bank loans.

Prepare CMA data for cash-credit (CC) applications. Enter past accounts, review projections and download Excel or PDF.

Create CMA See a sample report
munimlySample CMA summary

Kaveri Office Supplies

Fictional business · Proprietorship · Trading

Requested CC
₹15,00,000
Assessed · Nayak
₹26,40,000
Recommended CC
₹15,00,000
Financial figures · ₹ in lakh
ParticularsFY2025-26ActualFY2026-27EstimatedFY2027-28Projected
Net sales120.00132.00145.20
Gross profit24.0026.4029.04
Profit after tax12.8013.0214.49
Current assets60.0064.2470.18
Current liabilities24.0023.6824.55
Net worth45.0049.5654.63
Ratio analysis
ParticularsFY2025-26ActualFY2026-27EstimatedFY2027-28Projected
Current ratio2.502.712.86
Quick ratio1.251.611.69
TOL / TNW0.530.480.45
Debt-equity ratio0.000.000.00
Gross profit (%)20.0020.0020.00
Net profit (%)10.679.869.98
DSCRN/AN/AN/A

DSCR is not applicable: this example has no term debt.

Condensed summary of selected years. View the full CMA report, workings and review notes. A calculated recommendation is not bank approval.

What your CMA report includes

Nine forms covering financial statements, working capital and ratios. See the CMA data format in Excel and projected balance sheet example.

FORM IParticulars of the borrowerConstitution, limits applied for, existing facilities.
FORM IIOperating statementPurchases, stock movement, cost of sales and PAT across the selected years.
FORM IIIAnalysis of balance sheetLiabilities and assets, with capital and gross block detail.
FORM IVCurrent assets and liabilitiesThe holding levels behind the working capital gap.
FORM VWorking capital assessmentNayak assessment, capped at the applied cash-credit limit.
FORM VIFund flow statementSources and uses of funds across the selected periods.
FORM VIIRatio analysisCalculated ratios, reference benchmarks and missing-data indicators.
FORM VIIIPerformance indicatorsAdditional financial indicators across the report years.
FORM IXMulti-year trendsWorking-capital and funding movements across periods.

Review the issues before you export.

Check balances, funding assumptions and ratios before sharing the report. See what the checks cover.

CARRY

Past accounts stay as entered

The app uses your past accounts to prepare projections. It does not change the figures you entered for actual years.
TIE-OUT

Balance differences stay visible

The app highlights balance-sheet differences for review. A completed export does not mean every difference has been resolved.
FLAGS

Funding gaps and missing details

Review funding gaps, unusual holding periods and incomplete loan schedules. Balance-sheet errors and incomplete secured term-loan schedules remain visible but do not block final export.

Enter, review, export.

Enter your accounts, review the calculations and download the report. Follow the step-by-step guide.

  1. 01

    Enter business details and accounts

    Enter borrower and facility details. Add up to two historical years and any relevant term-loan schedules. Required fields are identified in the app.
  2. 02

    Review the flags

    Review the projected statements and working-capital assessment. Check balance differences, funding gaps and missing loan details.
  3. 03

    Download Excel or PDF

    Download your report with its assumptions. Check the figures and your bank’s requirements before submitting it.

Free while it is in beta.

Nothing to pay during beta. Planned pricing after beta: ₹499 per report or ₹1,999 per year for unlimited reports. Paid plans are not yet active.

Beta

Free
Forms I–IX
Nayak MPBF and ratio analysis
Excel and print-ready PDF
Balance and projection review flags
No payment required during beta
Create CMA

Frequently asked questions

Have borrower and facility details ready, plus historical accounts and loan schedules where available. The app supports up to two actual years and marks required inputs.

CMA stands for Credit Monitoring Arrangement. A CMA report brings together a business’s past accounts, estimates, projections and working-capital assessment for a bank to review.

Acceptance depends on your bank and the report contents. Review the sample and check your branch’s requirements before submission. Munimly does not guarantee acceptance or loan approval.

Yes. Enter the requested cash-credit limit, business details and accounts. Munimly prepares projections, ratios and a Nayak working-capital assessment. The bank decides the sanctioned limit. See the ₹15 lakh CC sample.

A CMA report covers financial statements, projections and working-capital assessment. A full project report may also need a business description, project costs and other supporting details. Munimly generates the CMA financial report. See how to prepare CMA data.

The recommendation is the lower of applied CC and assessed Nayak MPBF. Tandon Method II is calculated separately in the API and does not cap that recommendation. Form V shows Nayak workings. Read the methodology.

Excel and PDF exports contain Forms I–IX: borrower/limits, statements, current assets and liabilities, MPBF, funds flow, ratios, performance indicators and trends. Review the output before filing.

They are carried through as entered. Projections build on top of the actual years and never write back into them, so tax, capital introduced, PAT and the balance sheet stay as filed.

You can change available assumptions such as holding periods, growth, drawings, capex and loan details. Dependent figures recalculate; not every derived figure has a direct override.

Your report inputs are used for calculations, exports and saving reports in your account. You can delete a saved report from the dashboard. See Privacy for browser storage, diagnostics and the current retention limitations.

Beta use is free. Planned paid offers are ₹499 per report or ₹1,999 per year for unlimited reports. There is no active paid subscription yet. Full payment and renewal terms will be published before paid plans launch.

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Create CMA See a sample report