Financial year, columns and bank template
The estimated, historical and projected years, and which bank formats are live.
The columns your report will carry, and the layout it prints in.
The three kinds of year
- Historical YearsFrom the books
Past years, from audited or provisional figures. Tally can supply them.
- Estimated YearMostly from the books
The year the application is being made for. Part actual, part estimate.
- Projected YearsYours
Future years. Nothing can furnish these — they are your client's plan and your judgement about it.
How many of each
Ask the bank before choosing. Two or three historical years and two projected is common, but it varies by lender and by facility.
Note
Choosing the years up front is easier than adding one later. A year added afterwards is a column with no figures in it, and every row needs one.
The bank templates
- Generic CMAAvailable
The standard layout, accepted by most lenders.
- Bank of BarodaAvailable
BOB's own six-column format, with their additional schedules.
- State Bank of IndiaComing soon
- Punjab National BankComing soon
- Canara BankComing soon
Choosing a template changes the printed layout and, for Bank of Baroda, adds schedules that format does not share with the generic one. Generic CMA is the right choice when the bank has not asked for a format of its own.
Changing your mind later
The template can be changed on an existing report; the layout follows. Your figures and classifications are not affected.
Changing the years is a bigger matter, since each is a column of figures. Settle them at the start where you can.
What the estimated year means
The year the facility is being sought for. It sits between actuals and projections: partly what has happened, partly what is expected by the year end.
Banks read it as your considered view of where the year will land, so it deserves as much attention as the projections.
Last updated 30 Sept 2026
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