Stock Report
Quick Reference for Your Business

Stock & Debtors Statement for Banks โ€“ everything you need to know about Stock Report.

01
When It's Needed
๐Ÿฆ
Working-capital / CC limit

Banks require periodic stock statements to set drawing power.

๐Ÿ“Š
Loan monitoring

Lenders track stock and receivables against the loan.

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Renewal / enhancement

Up-to-date statements support limit renewal or increase.

๐Ÿ”
Audit & verification

Stock audit and certification for the bank.

02
Documents / Inputs Required
๐Ÿ“ฆ
Stock register / inventory records

For valuation

๐Ÿ“‹
Debtors (receivables) and creditors ageing

For valuation

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Purchase and sales records

For valuation

๐Ÿ“„
Bank's drawing-power format

and margin norms

๐Ÿ’ฐ
Valuation basis for stock

Cost or market

03
Key Facts
Point Details
What it is Statement of stock and debtors submitted to the bank
Drawing power Stock + debtors, less creditors and margin
Frequency Usually monthly / quarterly per sanction terms
Certification CA-certified where the bank requires it (with UDIN)
Note: Drawing power = (eligible stock + debtors โˆ’ creditors) less the bank's margin. Accurate, timely stock statements keep your working-capital limit fully available โ€” wrong or late statements reduce your drawing power and invite bank queries.
04
Why Clients Trust M/s Durganjali & Associates
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A real, qualified Chartered Accountant

Not an agent โ€” a CA who prepares accurate stock statements that protect your drawing power.

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The right method, the right valuer

We know when a Registered Valuer or merchant banker is legally required โ€” so the report is accepted.

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Reports that hold up

Backed by proper workings and records that stand up to the tax department, banks and auditors.

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Clear updates in your language

Simple updates in Telugu and English โ€” you always know where things stand.

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Honest, practical advice

Straight answers you can act on โ€” no jargon, no overselling.

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