By Sharda Associates | CA Firm, Bhopal
You Need a CMA Report—And You Want It Done Online Without Visiting Any Office
You have a bank loan to apply for. The bank has asked for a CMA Report. You live in a smaller town or city where finding a qualified CA who knows bank loan documentation is not easy. Or you simply do not have the time to visit multiple offices and sit through long consultations.
The good news is that getting a professional CA-certified CMA report prepared online is not just possible—it is now the preferred way for thousands of business owners across India to get their loan documentation done quickly, correctly, and without any hassle.
At Sharda Associates, a CA firm based in Bhopal, Madhya Pradesh, we prepare CA-certified CMA reports completely online for clients across all states of India. You send your documents by WhatsApp or email. Our CA team prepares your complete CMA Report personally. We deliver your bank-ready report by email within 3 to 5 working days with unlimited free revisions until your loan is approved.
Over 45,500 businesses across India have trusted us with their loan documentation. We understand what every bank’s credit team looks for and we prepare your CMA report to meet those exact standards.
What is a CMA Report and Why Do Banks Ask for It
CMA stands for Credit Monitoring Arrangement. A CMA Report is a set of 7 standardised financial statements mandated by the Reserve Bank of India for all business loan applications above Rs.10 lakh.
When you apply for a business loan the bank’s credit team needs structured, verified evidence of three things — your business’s past financial performance, its current financial position, and its projected ability to generate enough cash to repay the loan on time for every year of the repayment period.
A CMA Report provides all three in a consistent format that every bank in India uses for credit appraisal. Without a correctly prepared CMA Report your loan file cannot move forward — regardless of how good your business idea or how strong your personal credibility.
Getting it right — with correct DSCR calculation, correct MPBF, and consistent figures across all 7 statements — is what separates a loan application that gets approved quickly from one that sits in the pending pile for months.
How Online CMA Report Preparation Works
Getting your CMA Report prepared online through Sharda Associates is a simple, straightforward process designed to save you time without compromising on quality or accuracy.
Step 1 — Free Consultation
Call or WhatsApp us at +91 89899 77769. Our CA team understands your business, your loan requirement, and your specific bank. We tell you exactly which documents you need — and what you can skip if some are not available. This consultation is completely free and takes about 10 to 15 minutes.
Step 2 — Send Your Documents
You send your documents by WhatsApp or email — scanned copies are fine. No original documents needed. No office visit required. If you are missing any documents our CA team guides you on what can be substituted or how to proceed without it.
Step 3 — CA Preparation
Our CA personally prepares all 7 statements of your CMA Report—Operating Statement, Balance Sheet Analysis, Current Assets and Liabilities, MPBF Calculation, Fund Flow Statement, and Ratio Analysis. Every figure is cross-verified across all statements before we proceed to delivery.
Step 4 — Delivery
Your complete CA-certified CMA Report is delivered to your email as a professionally formatted PDF — ready to submit to your bank. Standard delivery is 3 to 5 working days. Urgent delivery in 24 to 48 hours is available for time-sensitive bank deadlines.
Step 5 — Free Revisions
If your bank asks for any changes — send us the bank’s query and we revise your report at no additional charge. All revisions are completely free unlimited until your bank is fully satisfied and your loan is approved.
Start Your Online CMA Report →
What Documents Do You Need to send online?
One of the biggest advantages of online CMA Report preparation is that you can send scanned copies or clear photographs of your documents — no originals needed.
For Existing Businesses
- Last 2 to 3 years ITR with computation sheet — scanned copy
- Last 2 to 3 years audited Balance Sheet and Profit and Loss Statement
- Last 12 months GSTR-3B and GSTR-1 returns
- Last 12 months business bank account statements
- Existing loan sanction letters and repayment schedules if any
- Stock statement and debtor ageing — for working capital applications
- Aadhaar Card and PAN Card of all promoters
- GST Registration and Udyam Registration Certificate
For New Businesses
- Aadhaar Card and PAN Card of all promoters
- Udyam Registration Certificate
- GST Registration Certificate
- Projected revenue and expense estimates — rough figures are fine
- Business description — what you do and your target market
For new businesses without ITR or audited financials — do not worry. Our CA team prepares complete projections from scratch based on real industry benchmarks for your specific business type and location. Contact us first and we will tell you exactly what to send.
All 7 Statements Covered in Our Online CMA Report
Every CMA Report we prepare online at Sharda Associates contains all 7 standardised statements in the exact RBI format your bank requires.
Statement 1 — Existing and Proposed Credit Limits
Lists all your existing bank facilities and the new loan or limit you are applying for — giving the bank a complete picture of your total credit exposure.
Statement 2 — Operating Statement
Your complete Profit and Loss Statement — actual figures for 2 to 3 past years and projected figures for the next 3 to 5 years. Every revenue and cost assumption is grounded in real market data for your specific industry and location.
Statement 3 — Balance Sheet Analysis
Your projected Balance Sheet for each year — assets, liabilities, and net worth — showing the bank how your financial position strengthens over the projection period.
Statement 4 — Current Assets and Liabilities
The working capital assessment that shows how much money is tied up in your inventory, debtors, and other current assets — and how much of your working capital requirement the bank can legally finance.
Statement 5 — MPBF Calculation
Maximum Permissible Bank Finance — the RBI formula that determines the maximum working capital loan your business qualifies for. We calculate this using the exact method required by your specific bank — ensuring you receive the maximum limit your working capital cycle supports.
Get Your MPBF Correctly Calculated →
Statement 6 — Fund Flow Statement
Shows how funds moved in and out of your business — confirming to the bank that borrowed funds are used for their stated purpose and not diverted elsewhere.
Statement 7 — Ratio Analysis
All key financial ratios calculated and verified — DSCR, Current Ratio, Debt to Equity, Gross Profit Ratio, and Net Profit Ratio. DSCR is verified against your specific bank’s minimum threshold — typically 1.25 — for every repayment year. Current Ratio is confirmed at 1.33 or above.
Online CMA Report vs Software-Generated Report — What is the Real Difference
Many websites and apps promise to generate a CMA Report online in minutes for Rs.399 to Rs.999. They produce a document — but there is a critical difference between a generated report and a CA-prepared one.
A software-generated CMA Report uses pre-built templates with no independent financial verification. It may use the wrong MPBF calculation method for your specific bank. It has no CA certification — no ICAI membership number — and no professional accountability attached to the figures. Bank credit officers review hundreds of these reports and identify them immediately. They are treated with significantly less confidence than CA-certified reports.
A CA-certified CMA Report prepared online by Sharda Associates is personally prepared by a qualified Chartered Accountant. Every figure is independently verified. DSCR is calculated correctly and validated against your bank’s minimum. MPBF is prepared using the method your specific bank requires. And our CA’s ICAI membership number on every page builds immediate credibility with the bank’s credit team.
The difference in outcome is significant. Our CA-certified reports consistently get fewer bank queries, faster credit appraisals, and higher approval rates than software alternatives.
Get Your Online CMA Report at Rs.2,999 →
Which Loans Require a CMA Report
A CMA Report is mandatory for the following loan types across India.
All business term loans above Rs.10 lakh from any scheduled commercial bank including SBI, PNB, Bank of Baroda, Union Bank, Canara Bank, and all others. Working capital Cash Credit and Overdraft facilities above Rs.10 lakh. PMEGP loans for the working capital component above Rs.10 lakh. CMEGP applications in Madhya Pradesh. CGTMSE collateral-free MSME loans above Rs.10 lakh. SIDBI term loans and refinance applications. NABARD loans for agriculture, dairy, food processing, and rural businesses.
Not sure whether your specific loan requires a CMA report? Call us at +91 89899 77769 for free same-day guidance — before you apply.
CMA Report and Project Report — Do You Need Both
Yes — for most loans above Rs.10 lakh both documents are required and must be submitted together as part of your complete loan file.
A Project Report is your business plan — covering your business description, market analysis, technical plan, cost of project, and financial projections. It tells the bank what your business is and how it will work.
A CMA Report is the structured financial analysis — presenting your financial data in the exact 7-statement RBI format. It tells the bank whether your business can repay the loan.
Every financial figure in both documents must match exactly. Any inconsistency between them raises immediate credibility questions. This is why both must always be prepared together by the same CA team — which is exactly what we do at Sharda Associates.
For larger loans above Rs.25 lakh a Detailed Project Report replaces the standard Project Report — and for government scheme applications a Feasibility Report is also required. We prepare all documents as an integrated package.
Pricing for Online CMA Report Preparation
| Service | Price | Delivery |
| CMA Report | Rs.2,999 | 3 to 5 working days |
| CMA Report plus Project Report | Rs.4,999 | 3 to 5 working days |
| CMA Report plus DPR | Rs.6,999 | 5 to 7 working days |
| CMA Report plus Feasibility Report | Rs.5,499 | 5 to 7 working days |
| Complete Package — All Documents | Rs.7,999 | 5 to 7 working days |
| Urgent Delivery 24 to 48 hours | Call for price | 24 to 48 hours |
All prices include unlimited free revisions until your bank approves. No hidden charges. No extra fee for GST, certification, or stamp.
Get Your Online CMA Report at Rs.2,999 →
Why Business Owners Across India Choose Sharda Associates Online
We are not a call centre. We are not a software platform. We are a qualified CA firm based in Bhopal, Madhya Pradesh — and every CMA Report we deliver is personally prepared and reviewed by a qualified Chartered Accountant before it reaches you.
Our online process has been designed specifically for business owners who do not have easy access to a qualified CA in their city or town — or who simply want a faster, more convenient way to get bank-quality documentation prepared without multiple office visits.
We serve clients from every state in India — Maharashtra, Gujarat, Rajasthan, Uttar Pradesh, Bihar, Karnataka, Tamil Nadu, Andhra Pradesh, Telangana, West Bengal, and beyond. The process is identical regardless of where you are located. You send documents digitally. We prepare your report. We deliver it to your email.
Our CMA Reports are accepted by every major bank in India. Our CA team stays available for all bank queries and revision requests after delivery — at no extra charge. And we have helped over 45,500 businesses across India get their loan documentation right and their loans approved.
Conclusion
Getting a CA-certified CMA Report prepared online is now the fastest, most convenient, and most reliable way for business owners across India to complete their bank loan documentation — especially if you are in a city or town where qualified CA expertise in bank loan documentation is hard to find locally.
At Sharda Associates our online preparation process is simple, transparent, and backed by the expertise of a qualified CA firm that has helped over 45,500 businesses across India get their loans approved. You send documents. We prepare your complete bank-ready CMA Report. You get your loan moving.
Call or WhatsApp +91 89899 77769
Frequently Asked Questions
1. Can I get a CMA Report prepared completely online?
Yes. At Sharda Associates we prepare CA-certified CMA Reports completely online for clients across all states of India. You send documents by WhatsApp or email and receive your complete report by email within 3 to 5 working days. No office visit required at any stage.
2 How do I send my documents for online CMA preparation?
You can send scanned copies or clear photographs of your documents by WhatsApp to +91 89899 77769 or by email. Original documents are not required. Our CA team confirms receipt and tells you within the same day if anything additional is needed.
3. Is an online CA-certified CMA Report accepted by banks?
Yes. Our CA-certified CMA Reports — prepared online — are accepted by SBI, PNB, Bank of Baroda, Union Bank, Canara Bank, SIDBI, and all major banks and NBFCs across India. The delivery method — online or in person — does not affect bank acceptance. What matters is CA certification and correct preparation.
4 .What if my bank asks for changes after receiving the report?
All revisions are completely free — unlimited — until your bank is fully satisfied. Send us the bank’s query and our CA team responds with the revised report. No additional charge at any stage.
5. How much does online CMA report preparation cost?
Our online CA-certified CMA Reports start at Rs.2,999. Combined packages with a project report start at Rs.4,999. Call or WhatsApp +91 89899 77769 for a free same-day quote.
6. Can a new business get a CMA report prepared online without ITR?
Yes. For new businesses without ITR or audited financial statements our CA team prepares complete projections based on real industry benchmarks for your business type. Many clients who contacted us with zero financial history went on to get their loans approved.
7. How long does online CMA Report preparation take?
Standard delivery is 3 to 5 working days from the date we receive your complete documents. Urgent delivery in 24 to 48 hours is available — call to confirm availability for your deadline.
8. Do you prepare Feasibility Reports online as well?
Yes. We prepare Feasibility Reports and Detailed Project Reports alongside CMA Reports — all completely online — as an integrated package ensuring consistency across all documents in your loan file.