A CMA that’s been checked
before the bank checks it.
Three steps to a bank-ready CMA. Form I to VI, the working capital assessment, fourteen ratios against norms.
| Particulars | FY26 A | FY27 E | FY28 P |
|---|---|---|---|
| Net sales | 46.25 | 75.92 | 89.36 |
| Operating profit | 5.97 | 6.67 | 8.12 |
| Interest | 1.10 | 1.61 | 1.52 |
| Net profit | 3.35 | 3.48 | 4.54 |
| DSCR | 1.18 | 1.45 | 1.59 |
The whole set, not a formatted page.
One Excel workbook and one print-ready PDF, in the layout a branch credit officer already reads.
Every other tool formats. This one checks.
Competing tools print whatever you type, which is why files come back. munimly runs the cross-checks a careful credit officer runs, first.
Audited years carry through
Figures you enter for actual years are carried through as entered. Projections build on top of them and never write back into them, so tax, capital introduced, PAT and the balance sheet stay as filed.
Nothing balances by plug
Both sides tie every year, to the paisa, with no residual quietly parked in inventory or cash to make the arithmetic work.
Questions get asked here
Drawings above PAT in a limit year. Idle cash while the facility sits fully drawn. Debtor days quadrupling in a projection. Eighteen rules in all. Hard failures stop the export; the rest arrive with the reason and the fix.
Three steps, about eleven minutes.
Enter what you have, review what the tool flags, download the workbook and the PDF.
Enter what you have
Two or three years of P&L and balance sheet, the limit applied for, the term loan schedule — none of it mandatory. munimly builds the set from whatever you give it.
Review the flags
Projections and MPBF build automatically. Adjust holding periods, drawings or growth until the file holds together.
Download and file
Excel for the banker who wants to poke at cells, PDF for the file. Assumptions note included.
Free while it is in beta.
Nothing to pay while it is in beta. Paid plans come after launch — anyone using it now gets half the launch price for their first year.
Beta
Frequently asked questions
Two or three years of P&L and balance sheet, the limit applied for, and the term loan schedule if there is one. None of it is mandatory — munimly builds the set from whatever you have.
About eleven minutes, across three steps. Enter the actuals, review the flags the tool raises, then download the Excel and the PDF.
The forms follow the standard CMA layout used across public sector and most private banks, the same Form I to VI structure your branch already receives. Bank-specific cosmetic templates are on the list, not in yet. If your branch insists on a particular layout, send it to us and we’ll tell you honestly whether it fits.
Nayak turnover method up to ₹5 crore. Above that, both Nayak and Tandon Method II run and the eligible limit is the lower of the two — then the lower of that and what you applied for. The workings print in Form V.
One Excel workbook and one print-ready PDF. Form I to VI in the layout a branch credit officer already reads, plus an annexure carrying fourteen ratios against their norms and the growth basis written out. Excel for the banker who wants to poke at cells, PDF for the file.
They are carried through as entered. Projections build on top of the actual years and never write back into them, so tax, capital introduced, PAT and the balance sheet stay as filed.
Yes. Holding periods, drawings policy, growth, capex and repayment are inputs with defaults taken from your own actual years. Every derived figure is overridable. The tool has an opinion; it doesn’t have the last word.
It builds your CMA and nothing else. We do not sell it and we do not train models on it, anonymised or otherwise. Nobody here opens your files unless you ask us to look at a specific problem, and your uploads stay until you delete them. The privacy policy sets all of it out in full.
Nothing during the beta, and there’s no card to add. Afterwards, per-report and annual pricing priced well under what one CMA set earns you. Anyone using it now pays half the launch price for their first year.
Write to me directly.
Tell me what broke. A figure that looks wrong, a layout your branch wants, anything the file got wrong.