CMA data format in Excel
A filled sample for a ₹15 lakh CC application. Excel + PDF. No sign-in.
Fixed values, not a recalculating template.
Kaveri Office Supplies
Fictional example · Proprietorship · Trading
- Actual years
- 2024–26
- Estimate
- 2026–27
- Projections
- 2027–30
Nayak assessment
FY2026–27 estimate · ₹ in lakh
- Turnover132.00
- 20% bank finance26.40
- Capped at request15.00
Calculated recommendation, not bank approval.
View the projected balance sheet example
What is in the report? 9 forms
- I
- Borrower & limits
- II
- Operating statement
- III
- Balance sheet
- IV
- Current assets & liabilities
- V
- Nayak MPBF
- VI
- Funds flow
- VII
- Ratios
- VIII
- Performance indicators
- IX
- Multi-year trends
The PDF ratio table omits the workbook’s Norm column.
View the six-year figures ₹ in lakh
| Year / basis | Sales | PAT | Total assets | Liabilities + capital |
|---|---|---|---|---|
| FY2024-25 Actual | 100.00 | 10.00 | 60.00 | 60.00 |
| FY2025-26 Actual | 120.00 | 12.80 | 69.00 | 69.00 |
| FY2026-27 Estimate | 132.00 | 13.02 | 73.24 | 73.24 |
| FY2027-28 Projection | 145.20 | 14.49 | 79.18 | 79.18 |
| FY2028-29 Projection | 159.72 | 16.01 | 85.73 | 85.73 |
| FY2029-30 Projection | 175.69 | 17.65 | 92.96 | 92.96 |
Totals reconcile. Rounded components can differ by ₹1,000.
Assumptions & review notes
- Sales: ₹100 lakh, then ₹120 lakh. Forward growth: 10%.
- Gross margin: 20%. Operating expenses: 7.5% of sales.
- Stock / debtor / creditor periods: 90 / 60 / 30 days.
- CC interest: 11%. No additional CC-funded stock boost.
- Drawings: 65% of PAT. Depreciation declines 10% yearly.
- As-on date: 1 April 2026. Full-year estimate.
- No term debt or repayment. DSCR is N/A.
- Proprietor tax is estimated by the app; a zero tax-rate control does not mean tax exemption.
Review flag: “Creditor days fund more than the cycle needs.” Check holding periods, borrowing needs and cash balances before using a similar report.
Nayak workings (₹ lakh): 25% × 132 = 33 requirement; 5% × 132 = 6.60 borrower margin; assessed MPBF = 26.40. Recommendation = lower of assessed 26.40 and requested 15.
Example proprietor: Amit Shah (fictional). No real client identifiers. No independent CA review. Methodology.
Can I edit this Excel file?
The sample contains fixed values. Editing a cell does not update the report. Enter your own figures in Munimly to calculate and export a new report.
Prepare your own CMA
Enter accounts. Review figures. Download.