Monthly stock statement for businesses with Cash Credit (CC) or Overdraft (OD) facilities. Stock breakdown, debtor aging, creditors and drawing power — auto-calculated and ready as a PDF for SBI, HDFC, ICICI, Axis, PNB or any other bank.
Every business with a Cash Credit (CC) or Overdraft (OD) facility against working capital has to submit a monthly stock statement to its bank. This statement tells the bank what your closing stock is, who owes you money (debtors), what you owe to suppliers (creditors), and — most importantly — what your Drawing Power should be. Drawing Power is the actual amount you can withdraw from your CC/OD account; it changes every month based on the stock and debtors you report. Get the statement wrong or late and the bank reduces your DP, charges penal interest (typically 1-2% above your normal rate), or in serious cases classifies the account as irregular, which damages your CIBIL.
This tool generates a generic stock statement that covers every field SBI, HDFC, ICICI, Axis, PNB, Bank of Baroda, Canara Bank and Union Bank typically require. You enter your business details, bank facility details, the reporting month, your stock line items, debtor aging (within 90 days vs beyond), and sundry creditors. The tool auto-calculates the eligible stock (after applying the bank's stock margin), eligible debtors (after the debtor margin), subtracts creditors, and shows you the resulting Drawing Power. You can save the output as a PDF, email it to your branch manager, or copy the numbers into your bank's specific template if they insist on letterhead.
Who needs this: any kirana wholesaler, manufacturer, trader, MSME or service business with a CC/OD limit. Most banks require monthly statements for limits above ₹10 lakh (some say ₹25 lakh). Smaller limits may need quarterly. The statement is usually due by the 7th-15th of the next month. If your accountant typically prepares this for you in Excel, this tool replaces that spreadsheet with a clean PDF — and saves the data in your browser so next month is just a value update, not a full re-entry.
What's special about the format: the Drawing Power calculation follows the standard formula used across Indian banks — Eligible Stock + Eligible Debtors − Sundry Creditors. The margins are configurable because every bank's sanction letter specifies different percentages; defaults are 25% on stock (so 75% counts as eligible) and 50% on debtors within 90 days (debtors beyond 90 days are excluded entirely from drawing power calculation). The PDF also clearly shows your sanction limit vs the calculated DP so you can see at a glance whether your facility is fully secured.
The standard formula:
DP = (Stock × (1 − stock margin)) + (Debtors<90d × (1 − debtor margin)) − Creditors
Typical bank margins:
Check your sanction letter for the exact margin percentages your bank uses — they're listed in the "Drawing Power formula" or "Security Margin" section.
Stock categorisation:
Use the Category dropdown in each stock row to mark which category the item belongs to. The PDF groups items by category and shows subtotals.
A monthly report businesses with Cash Credit (CC) or Overdraft (OD) facilities must submit to their bank. It lists stock-in-trade (raw materials, work-in-progress, finished goods), sundry debtors with aging (within 90 days vs beyond), and sundry creditors. The bank uses this to calculate Drawing Power — the maximum amount you can draw under your sanction limit.
Any business that has a Cash Credit, Overdraft against stock, or Working Capital Term Loan facility from a bank. Most kirana wholesalers, manufacturers, traders, and MSMEs with CC limits above ₹10 lakh are required to submit monthly statements. Smaller limits sometimes need quarterly statements.
Drawing Power (DP) = (Eligible Stock × Stock Margin) + (Eligible Debtors × Debtor Margin) − Sundry Creditors. Typical margins: 25% on stock (so 75% is eligible), 50% on debtors within 90 days, 0% on debtors beyond 90 days. Each bank can have different margin rates — check your sanction letter.
Your CC/OD is secured against your working capital assets (stock + debtors). The bank needs to verify those assets still exist and are at the value claimed. Late or missing submissions can result in penal interest (1-2% over normal rate), reduced drawing power, or even classification of the account as irregular.
This tool generates a generic format that contains every field that SBI, HDFC, ICICI, Axis, PNB, BoB, Canara and Union Bank typically require. If your bank insists on a specific letterhead or sequence, take the generated PDF as a draft and copy the data into their template. Save the data here (we remember it locally) so next month is just a numbers update.
Other free tools small Indian businesses use alongside this one.
