Answer: The CMA stands for Credit Monotring Analysis. The applicant arranges working capital finance information about income, assets & liabilities and expenses in a specific format to apply in the bank for a loan. This specific format refers to CMA Report / CMA Data for the verifying the applicant's information.

  • Audited Profit and Loss (P & L) account & Balance Sheet of at least last one year.
  • Provisional (or) projections of next at least 2 years or more.
  • Estimates of current year
  • Are provided to the bank by the applicant along with Funds Flow Statement, Ratio Analysis, Comparative Statement of Current Assets & Current Liabilities & Statement of Maximum Permissible Bank Finance.
  • Number of years for which data is required may vary from bank to bank. Even after getting the finance such data is required to be submitted to the bank periodically.

Answer: An Equated Monthly Installment (EMI) is what you pay every month towards repayment of your loan (or) Insurance booked. EMI depends on the loan amount, the rate of interest and the tenure of the loan. For a given loan amount and interest rate, your EMI can be lower if you increase the loan tenure.

  • Check out our Loan EMI Calculator to find out by how much you can reduce your present EMI by increasing the loan tenure. Of course, keep in mind that banks will allow you to increase the tenure only up to your retirement age.
  • Your EMI comprises an interest component and a principal component. Use the EMI calculator to find out how much EMI you would have to pay on your loan and how much of the total repayments will contribute to interest and how much to principal.

Answer: In day to day routine our clients need to solve queries of their end clients by providing optimum solutions to their problems keeping the same thing in mind we have given add on features as:

  • Depreciation:SLM (Straight Line method),WDV (Written Down value Method)
  • Investment Maturity
  • Interest calculation
  • Present Value
  • EMI
  • Converter

Answer: Here are different types of loans and insurance:


  • Home Loan
  • Personal Loan
  • Car Loan
  • Education Loan
  • Loan against Property (Mortgage or Collateral)
  • Credit Card


  • Life Insurance
  • Health Insurance
  • Car Insurance

Answer: There could be two possibilities of preparing projections for future:

  • 1. Ratio basis
  • 2. Percentage basis

Answer: Ratio analysis is generally more in practice these days as it gives a wide view of financial analysis of a business prospect and is advanced from the percentage method as it provides following enhanced analysis:

  • Trading and Profit & Loss account
  • Balance sheet
  • Fund Flow
  • Comparative Ratio Analysis (Ratio Wizard)