What is CMA Data? Explain in detail.
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Answer Posted / sanjeev garg
CMA is Credit Monitoring Analysis, which is used by banks
for analyzing amount of loan should be sanctioned. It is a
type of report which contain details regarding fund flow
statement, term loans,vehicle loans,unsecured loans, ratio
analysis(mainly DSCR-Debt Service Coverage Ratio)and
manpower details(e.g. Principal 1, Teachers 50 and other
staff 20 with their salary details)in terms of Lakhs.
Audited Balance Sheet and P&L are also required for at least
one year. on the basis of past audited data and current and
future estimates this CMA report is made. Full details
regarding source of income is required to be given(for
example- in case of school, detail regarding fees to be
collected from students and other income and details
regarding no. of students). In other words full details of
future source of income and amount of income is required.
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