How to Improve DSCR in CMA Report — Complete Guide 2026
By Sharda Associates | CA Firm, Bhopal You submitted your CMA Report with your loan application. You waited weeks. And then the bank came back with one specific problem your DSCR is below the required minimum and your CMA Report needs to be revised before they can proceed with credit appraisal. You are frustrated. You do not fully understand what DSCR means. You definitely do not know what to change to make it better. And you are worried that changing numbers in your CMA Report will look like you are manipulating the figures. This guide answers all of those concerns directly. What DSCR is, why it is below the minimum, what legitimate strategies exist to improve it, and exactly what our CA team does at Sharda Associates to structure your financial projections so DSCR stays comfortably above 1.25 for every repayment year. At Sharda Associates, A CA firm based in Bhopal, Madhya Pradesh , we have helped over 45,500 businesses across India get their CMA reports right—including hundreds...
