Stock Statement Certificate for CC and OD Limits

A stock statement keeps your working-capital limit live: the bank recomputes drawing power from it each period. Patron Accounting has supported over 10,000 clients, and our CAs issue UDIN-verified statements on time, every month.

We prepare your monthly CA-certified stock and book-debts statement, the document your bank uses to compute drawing power, with a valid UDIN, run as a simple monthly subscription so your working-capital limit is never held up.

Content is reviewed quarterly for accuracy.

Any borrower with a stock-and-debtor-backed working-capital limit needs to submit statements on the cadence the sanction sets.

• Cash credit (CC): the most common facility requiring monthly statements.
• Overdraft (OD) against stock or debtors: similar periodic statements.
• Monthly submission: typically by around the tenth of the following month.
• CA certification: required periodically, often above a sanctioned threshold.

• Month-end stock summary: RM, WIP, and finished goods.
• Sundry creditors and the debtor ageing statement.
• The sanction letter, with margins and the limit.
• CC/OD outstanding as at month-end.
• Stock insurance details.

Once set up, a quick monthly data share is all we need to keep the certificate flowing.

What the certificate contains: the borrower name, facility, and statement date; stock by category, less creditors, and net book debts; the margins applied and the resulting drawing power; and the CA signature, seal, membership and firm numbers, and UDIN.

All fees and charges listed are indicative only and do not constitute a binding offer. Final amounts may vary depending on the volume of work and the complexity involved.

Professional service charges for drafting, filing, and representation are separate from the statutory fees. The exact fee depends on the complexity of the case, disputed amount, and number of hearings required. Contact us for a detailed quote.

Get a free Stock Statement Certificate consultation - Call +91 945 945 6700 or WhatsApp us. No-obligation assessment.

10,000+ Businesses | 4.9 Google Rating | 50,000+ Documents Processed | 15+ Years

"Patron Accounting gives the best service related to all account handling of our firm. She files all returns timely and is most kind and respectful towards us." - Nikhil Nimbhorkar, Google Review

"I've had an outstanding experience working with Patron Accounting. Their professionalism, attention to detail, and timely communication made the entire process smooth and stress-free." - Subhendu Mishra, Google Review

Outcome proof: a manufacturer with a cash credit limit was repeatedly late on its stock statements, risking its drawing power; on our monthly subscription, the certified statement, with correct margins and debtor ageing, was filed by the tenth every month, and the limit stayed fully available.

With offices in Pune, Mumbai, Delhi, and Gurugram, Patron Accounting serves CC/OD borrowers across India - both in-person and remotely.

This service connects to these closely related certificates:

• Stock Audit - the independent, bank-appointed physical verification, distinct from your own stock statement.
• Net Worth Certificate for Business Loan - typically required at the annual limit renewal for the same CC/OD borrowers.
• GST Returns - the sales and stock source the figures reconcile to.
• Statutory Audit - the audited books the year-end figures reconcile through.
• Turnover Certificate - turnover proof, including for MSME classification and the working-capital bridge.

Drawing power is what makes the stock statement matter. The bank takes the net value of stock, stock less creditors, after the stock margin, and adds the net value of book debts, debtors after the debtor margin, and the result, capped at the sanctioned limit, is the amount you may draw. Typical margins are around 25 percent on stock and 40 percent on debtors, though these are set in your sanction letter and vary by bank and industry.

Two rules shape the figure. Book debts are usually counted only up to 90 days, since older receivables are riskier, and only insured stock is considered, because uninsured stock leaves the bank exposed. Under RBI practice, the stock statement relied upon for drawing power should not be older than three months, which is why timely monthly submission matters: a missed statement can freeze or reduce your available limit. The same working-capital relationship underpins the annual renewal of your limit, where a net worth certificate for the business loan is also typically required.

For the norms on drawing power and stock statements for working-capital advances, refer to the Reserve Bank of India (rbi.org.in). The stock statement certificate is the borrower's own CA-certified stock and book-debts statement used by the bank to compute drawing power; it is different from a stock audit, which is an independent physical verification by a CA the bank appoints.

Your drawing power is only as current as your last stock statement. A late, missing, or wrongly computed statement can freeze or reduce your available limit just when you need working capital, and under RBI practice a statement older than three months cannot support drawing power. A reliable monthly certified statement, with correct margins and debtor ageing, keeps your limit fully available month after month.

Set up your monthly service. Call +91 945 945 6700 or WhatsApp our team today.

For a CC or OD borrower, the stock statement is not a one-off, it is a monthly discipline that decides how much working capital you can actually use. Patron Accounting prepares and certifies your stock and book-debts statement every period, with the right margins, ageing, and a verifiable UDIN, on a simple subscription.

The result is your drawing power and your limit staying reliably in place. Call +91 945 945 6700, WhatsApp us, or request a free consultation.