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Dherli Stephanie
Dherli Stephanie


CMA Data Format in Excel

CMA data is a term used to refer to the financial information that is required by banks and other lenders to assess the creditworthiness of a borrower. CMA stands for Credit Monitoring Arrangement, which is a system of periodic reporting of key financial indicators by the borrower to the lender. CMA data helps the lender to monitor the performance and financial health of the borrower and to identify any signs of distress or default.


CMA data typically consists of the following components:

  • Particulars of existing and proposed limits of credit facilities

  • Operating statement (profit and loss account)

  • Analysis of balance sheet

  • Comparative statement of current assets and current liabilities

  • Statement of changes in working capital

  • Fund flow statement

  • Ratio analysis

  • Maximum permissible bank finance (MPBF) calculation

  • Debt service coverage ratio (DSCR) calculation

CMA data can be prepared manually or using software tools. However, preparing CMA data manually can be time-consuming, error-prone, and tedious. Therefore, many borrowers prefer to use software tools that can automate the process of generating CMA data in a standardized and accurate manner. One such tool is Excel, which is a widely used spreadsheet application that can perform various calculations, functions, and formatting.

Excel can be used to create CMA data format in the following steps:

  • Create a workbook with multiple worksheets for each component of CMA data.

  • Enter the past two years' balance sheet data and projected data for the next year in the respective worksheets.

  • Use formulas and functions to calculate the operating statement, analysis of balance sheet, comparative statement of current assets and current liabilities, statement of changes in working capital, fund flow statement, ratio analysis, MPBF calculation, and DSCR calculation based on the balance sheet data.

  • Use formatting features such as fonts, colors, borders, alignment, and number formats to make the CMA data more readable and presentable.

  • Save the workbook as a PDF file or print it as a hard copy for submission to the lender.

Alternatively, one can also use online software tools that can generate CMA data from Excel files. For example, [CAclubindia] offers a free online tool that can create CMA data for any CC/OD limit as per bank format. One just needs to upload an Excel file with the past two years' balance sheet data and the tool will automatically generate a complete CMA data report. Another example is [CA RAJA CLASSES], which provides a paid online course on how to prepare CMA data using Excel templates.

CMA data format in Excel is a convenient and efficient way of preparing financial information for credit assessment by lenders. It can save time, reduce errors, and improve accuracy and consistency. However, one should also ensure that the CMA data is based on realistic assumptions and projections and reflects the true financial position and performance of the borrower.


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