CMA Builder

Units: All amounts in ₹ lakhs unless noted. Leave blank = em-dash in output (not zero).
Exports: XLSX ships with linked formulas (banker can edit assumptions and see downstream cells recompute). PDF is landscape A4.

A. Entity ▼

Business Legal Name *

Nature

Industry

Type of Business

B. Loan Requirement ▼

Loan Type

Scheme (leave blank if unsure)

Purpose of Loan (tick + enter amount)

Term Loan ₹ L

Working Capital ₹ L

Bank Guarantee ₹ L

C. Cost of Project & Means of Finance ▼

TL eligibility = 70% × Shed/Building + 75% × (Machinery + Computers + Furniture). Promoter margin = balance.

Construction / Project Month-Year

Component	Category	Amount (₹ L)
Total COP		—

D. Term Loan Terms ▼

Disbursement Month-Year

Tenure (years)

ROI (% p.a.)

E. Working Capital Terms ▼

ROI (% p.a.)

Avg Utilisation (default 85%)

Interest = WC Limit × Utilisation % × ROI. Utilisation default: 85%.

F. Projection Setup ▼

Historical FYs to include (actuals, before projection)

Projection FYs (blank = auto from TL tenure)

Opening Retained Earnings (₹ L · default 0)

G. Revenue Builder ▼

Build each revenue stream as a chain of rows. Pick operator (×, +, −, /) to combine. Left-to-right evaluation. Section total feeds grand total revenue.

H. COGS Assumptions ▼

Material & Processing both entered as % of Revenue. COGS = Material + Processing.

Drives projection years only. Historical values are entered directly on the output-side P&L table.

I. Operating Costs ▼

Variable: assumption = % of Revenue; y-o-y change = % points drift.
Fixed: assumption = ₹ L / month; y-o-y change = % growth.

Line Item	Nature	Assumption	Y-o-Y Change

Drives projection years only. Historical figures are entered directly on the output-side P&L (per line item, with Total Operating Costs auto-summed).

J. Tax ▼

Effective Tax Rate (%)

Default: 25% for Company, 30% for Individual / Partnership. Editable.

K. Working Capital Assumptions ▼

Business-friendly days. These drive Inventory, Debtors, Creditors on the Balance Sheet. Service: only Debtor Days used.

RM Stock Days (raw material)

RM Stock In Transit Days

FG Days (finished goods)

Debtor Days (credit to customers)

Creditor Days (credit from vendors)

RM Inventory Days = stock + in-transit. Inventory = (RM days × Material + FG days × COGS) / 365. Debtors = (Dbt days × Revenue)/365. Creditors = (Cred days × Material)/365.

L. Depreciation Inputs ▼

Per fixed-asset line from COP: year-wise addition schedule + SLM depreciation rate. Method: SLM on (Opening NB + Additions) × rate. Land skipped (non-depreciable).

L2. Additional Capex (Y-o-Y) ▼

Yearly capex beyond the initial Cost of Project. Treated as Machinery-class addition (default 15% SLM). Flows into Gross Block, Depreciation, Capex in CF, and Fund Flow LT Uses. Historical years disabled.

Dep Rate for Additional Capex

M. TL Repayment Schedule ▼

Enter yearly principal repayment (₹ L). Auto-seed spreads TL eligibility evenly from disbursement FY through tenure end.

N. Equity & WC Margin ▼

Additional equity infused year-on-year (promoter top-ups beyond the project margin) and WC margin (promoter's own contribution to working capital, typically one-shot at WC kickoff).

WC Margin Add-Back (₹ L · applied in first projection year when WC facility starts)

O. Bankability Check ▼

Live check of projection-year ratios against the thresholds bankers apply at credit committee. Reference: domain knowledge · debt-funding · DSCR & Credit Ratios, Loan Approval Killers.