Every Term Your Bank Uses — Explained
DSCR, CMA Data, MPBF, TOL/TNW, CGTMSE, FACR, NPA — banks evaluate your proposal using ratios and metrics most MSME owners never encounter in daily business. This glossary explains every term in plain language, with Karnataka context.
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CMA Data
Bank CreditCredit Monitoring Arrangement data. A standardised financial statement format prescribed by the RBI for bank credit appraisal. Covers six years: three years of audited actuals and three years of projections. Contains the Operating Statement, Balance Sheet analysis, Current Assets and Liabilities comparison, MPBF calculation, Fund Flow Statement, and ratio analysis (DSCR, TOL/TNW, Current Ratio, FACR). The credit officer's primary quantitative evaluation tool.
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MSME Central prepares DPRs and CMA data that meet every ratio threshold banks require — and submits them to the right bank desk in Bengaluru and Karnataka.