CMA data explained: Forms I to VI and MPBF
What goes into Credit Monitoring Arrangement data, and how the second method of lending sets a working capital limit.
Read · 7 minFor Co-op banks & societies
Big-bank screening, sized for co-operative lenders
Urban and district co-operative banks and credit societies get the same document, fraud and policy checks as a large bank, without building a fraud control unit of their own.
CMA readyForms I to VI · MPBF
What you get
Built around how you work
No large team needed
The platform does the first pass on every file. Your staff review only what is flagged, with the reason spelled out.
CMA in minutes
For working capital and term loans, upload the financials and get CMA Forms I to VI, MPBF and key ratios ready for appraisal.
Stronger board and audit reporting
Clear Green, Amber and Red reports for every file make it easy to show how each loan was checked.
Pay per file
Pricing follows the files you screen, so there is no heavy upfront cost.
Simple to start
Your products, branches and users are set up for you, with training for your staff.
Ready when you are
We set up your products, users and policy for you, and start with a pilot on one product or one region.
Request a demoYour journey
From first call to screening every file
1Talk to usTell us your products, branches and monthly file volumes.
2We set it upProducts, users and roles are configured for you, and your staff are trained.
3Screen every fileUpload files and get clear reports, with CMA for MSME loans.
4Report with confidenceShow your board and auditors exactly how each loan was checked.
CMA · Form VI · MPBF (Method II)
Total current assets₹4,80,00,000
Less 25% borrower margin− ₹1,20,00,000
Less other current liabilities− ₹1,05,00,000
Permissible bank finance₹2,55,00,000
Questions
What lenders usually ask
What is GIX Verify?
GIX Verify is a loan-file screening platform for lenders. It reads every document in a loan file, verifies key details at the source, runs fraud and policy checks for the loan product, and produces a Green, Amber or Red screening report. It also decides which files need a field visit and prepares CMA reports for MSME loans.
Does GIX Verify approve or reject loans?
No. GIX Verify does not lend and does not take credit decisions. It gives your team a screened file, with every flag explained. The decision always stays with the lender, under its own credit policy.
Which loan products are covered?
Home loans, loans against property, MSME working capital (cash credit and overdraft), MSME term loans, auto loans, personal loans and unsecured business loans. Each has its own document checklist and set of checks.
How is it priced?
Pricing is per file screened, with volume slabs for larger lenders. There is no heavy upfront licence. Exact pricing is shared during the discussion with your team.
How do files reach the platform?
Three ways: a branch or sales executive uploads the file, the applicant uploads through a secure link, or your loan origination system sends the file automatically. Results can be returned to your system the same way.
Can we use our own policy limits?
Yes. FOIR, LTV, DSCR, minimum income, business vintage and similar thresholds are set by your credit team for each product, and every file is checked against them.
Insights
Guides for your teams
Property papers: what to check before you lend against them
Sale agreements, Index-II, 7/12 extracts and title chains: the common problems and how to catch them.
Read · 6 minScreening, sampling and field verification: how lenders check a loan file
What a fraud control unit actually does, why most of it is still manual, and where automation helps most.
Read · 6 minRequest a demo
See GIX Verify on your own loan files
Tell us about your lending and we will screen a few sample files with you, set to your products and your policy.
- A walkthrough on masked sample files
- Your products, thresholds and sampling rules set up
- A pilot plan for one product or one region