Bank and audit reports
The reports that used to eat the week
CMA data that starts from the client's actual books instead of a blank spreadsheet, and a Form 3CD that arrives drafted for your review. Both with a working paper trail behind every figure.
- Reads directly from Tally, read only
- Bank-format Excel, PDF and preview from one spec
- Every figure carries its source
Layout
01 / CMA Data
From trial balance to bank-ready workbook
Actuals flow in from Tally or the ITR, projections grow from assumptions you set, and the output lands in the bank's own format. The CMA stops being a copy-paste marathon and becomes a review.
a / Fill
The books walk in by themselves
A read-only desktop connector pulls every ledger of the chosen years straight out of Tally, maps them to CMA lines by rule, and shows you exactly where each rupee went before the report even exists. No exports, no uploads, no retyping.
- Fetch multiple financial years in one click through the connector for Windows
- A rule engine maps ledgers by Tally group, with keyword heuristics for the messy ones
- The ITR e-filing JSON fills the same lines, parsed in your browser and never uploaded
- Unmapped ledgers can ask AI for a suggestion you explicitly accept or reject
- A wrong-company guard blocks the fetch if Tally has a different client open
b / Compute and review
A spreadsheet that knows banking
MPBF by the Tandon methods, the Nayak turnover method, DSCR worksheets, depreciation and amortization schedules: the computation engine derives what bankers look for, and the review grid shows where every figure came from.
- Provenance dots on every cell: Tally, rule, AI, ITR, user or derived
- Click a cell to see the exact contributing ledgers and balances
- Projections apply from assumptions you set, rebuilt around the working-capital cycle
- Ratios band green, amber and red against the thresholds banks actually use
- Errors block generation with a precise list; warnings stay visible until dismissed
- Tallyfetched from the books
- Rulemapped by the rule engine
- AIsuggested, then accepted by you
- ITRparsed from the e-filing JSON
- Userentered or edited by hand
- Derivedcomputed by the engine
02 / Everything in the box
CMA Data, the full inventory
Every micro feature currently in the CMA module, enumerated. If it is listed here, it is in the product today.
01Formats and years
- Generic CMA, plus Bank of Baroda with the bank's own sheets
- Cover, cost and means, operating statement, balance sheet spreads, ratios
- Year columns from history through an estimate into adjustable projections
- Cover sheet filled from the client master: constitution, PAN, GSTN, industry
- Per-bank Excel styling and page setup, print-ready in landscape A4
02Filling from Tally
- Cash credit and OD split into short-term borrowings, not term loans
- Creditors with debit balances move to the asset side
- Stock split into raw material, WIP and finished goods
- Suspense and branch ledgers skipped, with the reason recorded
- Balance sheet residuals flagged to you, never buried in reserves
03From an ITR
- The e-filing JSON maps balance sheet and profit and loss straight in
- Parsed entirely in your browser, the file is never uploaded
- Trade name, PAN and assessment year detected automatically
- Subtraction paths avoid double counting across schedule totals
- ITR figures carry their own provenance mark in the grid
04AI on a leash
- Ask AI on any unmapped ledger: a line, a confidence, a reason
- Suggestions come from a closed list of real form lines, never invented
- Nothing applies until you click Accept
- Per-cell suggestions stay conservative, written for a banker's eye
- Repeat ledger names resolve instantly from cache
05The computation engine
- Cost of production, gross and operating profit, EBITDA, PAT, cash accruals
- MPBF by Tandon methods I, II and III, each a full worksheet
- Nayak turnover method with a bank variant, and three DSCR treatments
- Term loan amortization with moratorium, WDV depreciation, capacity utilisation
- Cash flow and funds flow in CMA convention, plus a ratio annexure
06The review grid
- Seven spreadsheet tabs, from Form I through ratios
- Autosave seconds after you stop typing, with a validated indicator
- Arrow keys, Tab and Enter move cell to cell
- A validation panel that jumps you to the offending cell
- Ghost suggestions in empty projected cells, before you type
07Projections and roll-forward
- Set once: sales growth, debtor, inventory and creditor days, capex
- One click grows the operating statement and rebuilds working capital
- Judgment lines left to you on purpose
- A live preview of the projections before you apply them
- Next year's CMA starts from this year's projections
08Validation and output
- Live checks while editing, bank-configurable rules at generation
- The balance sheet must balance; each bank's thresholds from its own config
- Generation refused with the precise list of failed checks
- Excel workbook, bank-ready PDF and preview, all from one spec
- Version history keeps every file, warning when edits post-date the latest
03 / Tax Audit
A Form 3CD that drafts itself, for your review
Masters and a full year of vouchers come in from Tally, the identity clauses fill deterministically, and AI agents draft the analytical clauses with statutory math done by calculators and citations quoted from the Act. You review, note and sign.
a / Draft and review
Trust, but verify. Then verify again.
Seven reconciliation checks run before any figure is trusted. Every clause value carries its source, every AI draft carries its reasoning, and every citation is checked against the actual text of the Income-tax Act before it is saved.
- Identity clauses fill from Tally the moment data lands
- AI drafts the analytical clauses; deterministic calculators do all the math
- Citations quote the section and page, verified against the retrieved passage
- Accept, modify, override or skip each clause; changes require a written note
- Form 3CB or 3CA plus the full 3CD render in the official layout
- A manual mode covers clients who never touched Tally
Form 3CD, FY 2024-25
Clauses filled
0/60
AI computed
0
Citations verified
0
04 / Everything in the box
Tax Audit, the full inventory
Every micro feature currently in the Tax Audit module, enumerated. If it is listed here, it is in the product today.
01Import from Tally
- Connector discovery names the fault: not installed, unpaired, Tally offline
- Only the financial years the books actually hold are offered
- Masters and every voucher of the year, fetched month by month
- Each client bound to a named Tally company, mismatches refused
- The assessment year derives itself from the financial year
02Reconciliation before trust
- Seven checks at ingest: voucher double-entry, trial balance to Tally's profit
- Reference integrity across ledgers, groups and voucher types
- A coverage guard catches truncated fetches
- The verdict stored on the import as a permanent audit trail
- A green pass card, or the precise list of what failed
03Deterministic auto-fill
- Identity clauses from the Tally company header, then the client master
- Assessee status from the PAN's fourth character, your override wins
- Books of account derived from the voucher types actually used
- Quantitative stock details per item, custom voucher types classified
- Financial ratios computed from the books themselves
04AI clause agents
- Every figure comes from a deterministic statutory calculator, never the model
- Block rates and the 180-day half-rate rule, computed not guessed
- Clauses with nothing to report short-circuit to Nil, no AI call
- Cash clauses pre-filter thousands of lines to threshold-breaching groups
- Confidence and review flags on every drafted clause
05Verified citations
- A canonical Income-tax Act 1961 and IT Rules 1962 inside the product
- Search by exact section reference or by topic
- Kept only if the passage was actually retrieved, others repaired or flagged
- Section, page and quoted text on every citation
06The CA decides
- Accept, modify, override or skip every AI clause
- Overrides need a written note, enforced on the server
- Manual edits recorded as yours, with a note in the trail
- A findings panel that deep-links to every flagged clause
- A live banner tracks clauses completing while you review
07The 44-clause wizard
- Every Form 3CD clause across ten steps, with free jumping
- Status per clause: auto-filled, AI-generated, pending or manual
- Repeater tables for partners, depreciation blocks, TDS, MSME, cash, Chapter VI-A
- Conditional fields appear only when the answer calls for them
- Reopening restores the exact step and unsaved edits, newer server data winning
08The filing-ready output
- Form 3CB or 3CA chosen automatically from the assessee's status
- Part A and Part B in official ITD order, every sub-clause
- Point-18 depreciation annexures per asset block
- The official large format, so wide tables stay legible
- Unchanged reports serve the stored file again instantly
05 / On the bench
Built next, on the same rails
The client book, the Tally connection and the review discipline already exist. New report types inherit all of it.
01
Coming soonStock Statement
Monthly stock and book-debt statements for working capital compliance.
02
Coming soonQIS
Quarterly information system statements in the formats banks prescribe.
03
Coming soonProject Reports
Project reports for new units and expansions, on the same engine.
04
Coming soonMore bank templates
SBI, PNB and Canara layouts, already on the in-product roadmap.
Try it now
Run a CMA in the demo
Open demo.optivida.co.in, start a CMA report with sample data, and watch the workbook assemble itself. Then open a Form 3CD and meet the clause agents.