Banks do not lend to stories; they lend to CMA data that reconciles — past financials, sensible projections, working-capital math the credit team can defend to their sanctioning authority. This engagement builds the lending file the way appraisers actually read it.
| Item | Position |
|---|---|
| CMA form | Past 2 years + current estimate + 2 projected, ratios computed as banks read them |
| The test | Projections must reconcile to GST returns, ITRs and the story told across them |
| DSCR | Term lending lives and dies on it — modelled honestly with sensitivity |
| Renewals | Annual exercise; late papers are how limits get pruned |
The CMA/project-report pack in the bank's format, the assumptions note, reconciliation to filed returns, and query responses through the sanction process.
Audited financials, provisional numbers, GST returns, ITRs, existing sanction letters, and the genuine business plan behind the ask.
Projections are commitments the business will be measured against — they are set with the promoter, not for them. Sanction decisions and pricing are the bank's.
Loan sanction is never assured; syndication/DSA-style intermediation is not offered; ratings advisory and restructuring proposals are separate scopes.
Our GST turnover and financials differ. Will the bank notice?
Immediately — reconciliation between returns and financials is the first appraisal check. The pack includes that bridge with reasons, which is exactly what converts queries into comfort.
Can projections just show what the bank wants?
They can — and then next year's actuals betray them at renewal. Bankable-and-honest is the standard here; it also happens to sanction better.
Which banks' formats do you handle?
The CMA structure is broadly standard; bank-specific annexures vary and are matched to your lender's checklist as part of the build.
How long does sanction take?
The bank's process is the bank's — what this engagement compresses is everything on your side of the table, including same-week query turnarounds.
The applicable scope, documentation, professional responsibilities and timelines are agreed in an engagement letter before commencement.
Books & FinancialsUdyam (priority-sector)Virtual CFO & MISRequest a Scope DiscussionThis page describes the service in general terms as on 6 August 2026 and is not professional advice or an assurance of any outcome. Registrations, filings, refunds and departmental outcomes depend on facts and the concerned authority. Figures and due dates change; verify current positions before acting.
Ask, capacity and history reviewed.
CMA/report prepared, reconciled.
Queries answered with workings.
Stock/QIS formats installed.
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