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Cma preparation

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(Querist)
01 October 2012
Is it compulsory the amount generated in the columns of Maximum Permissible Bank finance in the CMA format should be same amount for each year?.ie. actuals 2 years and projections are same amount. If one party require 100 lakhs loan, then after filling the CMA, the Maximum Permissible Bank finance is 100 , 100, 100, 100. every year. Pls. clarrify.

Raju Jaihind Cochin
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NILESH MANDOLE, MBA (Fin),CS

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NILESH MANDOLE, MBA (Fin),CS (Expert)
02 October 2012 If your working capital gap is arriving same, then the figures will be same. Actually the MPBF depends on your working capital gap, and the WC gap depends majorly on your Dr.,Cr. and stock. So, if you want to raise the MPBF, lower the creditor or you can increase the dr. or stock.
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Arun Biyani

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Arun Biyani (Expert)
09 October 2012 its not require to be same.. after 1 year or 2 year you can enhance it and ask bank to enhance your CC limit as well due to growth in business.
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