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Stock Statement Certificate in Pune

Reviewed by CA and CS Team, Patron Accounting LLP ICAI & ICSI Registered| 15+ Years Experience| Last Updated: Verify Credentials →

Documents: stock register, debtor and creditor ageing, sales and purchase data, insurance.

Fees: starting from INR 1,999 per month (Exl GST and Govt. Charges).

Purpose: monthly drawing power computation for CC and OD accounts.

Deadline: usually by the 7th to 20th of the following month, per the sanction letter.

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Stock Statement Certificate in Pune: Overview

📌 TL;DR - Stock Statement Certificate Services at a Glance

A stock statement certificate is a monthly declaration, prepared with CA support, showing a borrower's stock and book debts less creditors as on month-end, which the bank uses to compute drawing power on a cash-credit or overdraft account. Timely submission keeps the account regular and avoids penal interest.

Every business in Pune running a cash-credit or overdraft limit must keep the bank updated on the current assets backing that limit. The stock statement is the monthly document that does this - it reports stock and receivables, nets off creditors, and lets the bank recalculate drawing power.

Because it recurs every month and a late or wrong statement can freeze the limit or trigger penal interest, most borrowers retain a CA to prepare and certify it. This page explains how it works, the drawing power calculation, and how Patron Accounting handles it on a monthly basis.

Parameter	Detail
What it is	Monthly stock and book-debt statement for the bank
Used for	Computing drawing power (DP) on CC / OD limits
Frequency	Monthly for most CC/OD; quarterly for smaller limits
DP formula	Paid stock and eligible debtors, less applicable margins
Deadline	Typically 7th to 20th of the following month
Starting fee	INR 1,999 per month (Exl GST and Govt. Charges)

Content is reviewed quarterly for accuracy.

What Is a Stock Statement Certificate

Definition: It is a periodic declaration submitted by a borrower to the bank showing the value of current assets - stock and book debts - and current liabilities - mainly trade creditors - as on a statement date, used to compute drawing power.

For a cash-credit or overdraft account, the bank does not lend up to the sanctioned limit unconditionally - it lends up to the drawing power, which is recomputed each month from the borrower's current assets. The RBI Master Circular on Loans and Advances requires banks to obtain stock statements from borrowers, and statements relied upon for drawing power should not be older than three months, failing which the outstanding is treated as irregular. If the outstanding stays above the drawing power for 90 days, the account risks being classified as a non-performing asset.

Drawing power is computed on paid stock (closing stock minus creditors for purchases) and eligible debtors, after deducting the bank's margins. This is why the statement nets off creditors and excludes stale receivables. The service complements the broader turnover certificate and ongoing accounting support.

Key Terms for Stock Statement Certificate:

Drawing power formula:

DP = net value of stock + net value of debtors.
Net stock = (closing stock - creditors for purchases) x (100% - stock margin).
Net debtors = eligible debtors x (100% - debtor margin).
Typical margins: ~25% on stock, ~40% on debtors (set in the sanction letter).
Only insured stock and debtors not older than 90 days are usually eligible.

Drawing Power RBI-Compliant

Who Needs It and When

A stock statement certificate is needed when a business:

Operates a cash-credit (CC) limit against stock and book debts.
Operates an overdraft (OD) against current assets where the bank requires DP statements.
Must submit monthly (or quarterly for smaller limits) per the sanction letter.
Needs the limit kept regular to avoid penal interest, DP freeze, or NPA classification.
Faces a periodic stock-audit or bank inspection requiring consistent records.

What Patron Accounting Delivers

Service	What We Do
Monthly stock and book-debt statement	Monthly stock and book-debt statement in the bank's prescribed format.
Drawing power computation	Drawing power computation on paid stock and eligible debtors, with correct margins.
Ageing and netting	Debtor ageing and creditor netting so DP reflects only eligible assets.
Insurance and certification	Insurance and certification sections completed accurately.
CA support	CA support and certification where the sanction terms or limit size require it.
Timely monthly delivery	Timely monthly delivery ahead of the bank's submission deadline.

Our Process

Step-by-Step Process (Monthly Cycle)

How we run the recurring monthly cycle - from month-end data to a bank-format drawing-power statement delivered on time.

Step 1

Collect month-end data

Collect month-end stock register, debtor and creditor ageing, sales and purchase data, and insurance details.

Data inInsurance noted

Collect01

Step 2

Classify and value stock

Classify stock - raw material, work in progress, finished goods, stores and spares - and value it.

ClassifiedValued

Stock02

Step 3

Compute paid stock and debtors

Compute paid stock (stock minus creditors for purchases) and eligible debtors (within the ageing limit).

Paid stockEligible debtors

Compute03

Step 4

Apply margins and compute DP

Apply the bank's margins per the sanction letter and compute drawing power under the RBI Master Circular framework.

Margins appliedDP set

DP04

Step 5

Prepare in bank format

Prepare the statement in the bank's format with insurance and certification sections.

Bank formatCertified

Prepare05

Step 6

Deliver before deadline

Deliver to the borrower for submission before the bank's deadline, repeating each month.

DeliveredOn time

Submit06

Documents Checklist (Monthly)

Document	Why it is needed
Month-end stock register	Stock valuation by category
Debtor ageing statement	Eligible book debts (within 90 days)
Creditor ageing statement	Paid-stock computation
Sales and purchase summary	Reconciliation and movement check
Stock insurance policy	Eligibility of stock for DP
Sanction letter	Margins, frequency, and format

Common Challenges and How We Solve Them

Challenge	Impact	How Patron Accounting Solves It
Late submission	DP freeze and penal interest.	We deliver ahead of the bank's deadline so the limit stays regular and penal interest is avoided.
Creditors not netted	Drawing power overstated.	We compute DP on paid stock, not gross stock, as the bank requires.
Stale debtors counted	Ineligible assets inflate DP.	We exclude receivables older than the eligibility window.
Uninsured stock claimed	Stock disallowed for DP.	We align eligible stock to the insurance cover.

Fees

Fee Component	Amount
Patron Accounting Professional Fees	Starting from INR 1,999 per month (Exl GST and Govt. Charges)
Engagement	Recurring monthly; fee varies by stock locations, debtor/creditor complexity, and number of limits
Market norm (context)	Roughly INR 1,500 to 3,000 per month

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.

Time Taken

Stage	Estimated Timeline
Each monthly statement	1 to 2 working days from complete month-end data
Bank deadline	Commonly 7th to 20th of the following month
Delivery	Well ahead of the submission deadline

Each monthly statement is typically ready within 1 to 2 working days of receiving complete month-end data, well ahead of the bank's submission deadline (commonly the 7th to 20th of the following month).

Key Benefits

Benefits of Professional Handling

Correct drawing power

Drawing power computed correctly, so the borrower neither under-utilises nor over-draws the limit.

On-time submission

On-time monthly submission that avoids penal interest, DP freeze, and NPA risk.

Audit-ready records

Consistent, audit-ready records for bank inspections and stock audits.

Accountable CAs

ICAI-registered CAs accountable under the Chartered Accountants Act, 1949.

Why Pune Borrowers Choose Patron Accounting

10,000+ clients served, 4.9 average rating, 50,000+ documents delivered, 15+ years of experience. Our Pune team supports traders, manufacturers, and MSMEs across Bhosari, Chakan, Hadapsar, and Pimpri with reliable monthly stock-statement and working-capital documentation.

With offices in Pune, Mumbai, Delhi, and Gurugram, Patron Accounting serves businesses across India - both in-person and remotely.

Sanctioned Limit vs Drawing Power

Aspect	Sanctioned limit	Drawing power
Nature	Maximum credit approved	Usable limit on a given day
Changes	Fixed at sanction	Recomputed monthly
Driven by	Bank appraisal	Current stock and debtors
Document	Sanction letter	Stock statement

Related Services

Turnover Certificate - related banking certificate.
Online Accountant Service - books that feed the monthly statement.
Stock Audit Consulting Services - periodic stock verification for banks.
Net Worth Certificate for Business Loan - paired for credit appraisal.
Statutory Audit Services - entity-level assurance.

Regulatory and Practice Framework

RBI Master Circular on Loans and Advances: requires periodic stock statements; statements relied on for drawing power should not be older than three months.
Drawing power on paid stock: DP is computed on stock net of creditors and on eligible debtors, after margins.
NPA norm: CC outstanding above drawing power for 90 days can lead to NPA classification under RBI norms.
Insurance requirement: only insured stock is generally eligible for drawing power.
Chartered Accountants Act, 1949 and SA 500: govern CA certification where required by the sanction terms. See the Reserve Bank of India and the ICAI.

What is a stock statement and why does the bank need it?

A stock statement is a periodic declaration a borrower submits to the bank showing the value of stock and book debts, net of trade creditors, as on the statement date. The bank uses it to compute drawing power on a cash-credit or overdraft account, ensuring the credit it extends is always backed by real, verifiable current assets. It is the single most important document for drawing power in CC accounts.

How is drawing power calculated from the stock statement?

Drawing power is the net value of paid stock plus the net value of eligible debtors. Net value of stock is closing stock minus creditors for purchases, times one minus the stock margin, and net value of debtors is eligible debtors times one minus the debtor margin. Typical margins are about 25 percent on stock and 40 percent on debtors, set in the sanction letter. Only insured stock and recent debtors are eligible.

How often must the stock statement be submitted?

For most cash-credit and overdraft borrowers it is monthly, with the deadline usually between the 7th and 20th of the following month as specified in the sanction letter. Smaller limits may be quarterly or half-yearly. The RBI framework expects statements relied on for drawing power to be no older than three months, so timely monthly submission keeps the account regular.

What happens if I submit the stock statement late or not at all?

Late or missing statements can cause the bank to freeze drawing power, charge penal interest as per the sanction terms, and treat the account as irregular. If the outstanding exceeds the last-computed drawing power for 90 days, the account can be classified as a non-performing asset under RBI norms. This is why a reliable monthly process matters for any working-capital borrower.

Is paid stock different from total stock for drawing power?

Yes. The bank computes drawing power on paid stock, which is total closing stock minus creditors for stock purchases, the unpaid supplier invoices. This ensures the bank's charge is only on stock the borrower has actually paid for. A statement that uses gross stock without netting creditors overstates drawing power and will be corrected by the bank, so the netting must be done correctly.

Can Patron Accounting prepare it every month in Pune?

Yes. We run it as a recurring monthly engagement, collecting month-end data, computing drawing power on paid stock and eligible debtors, completing the bank's format with insurance and certification sections, and delivering before the submission deadline. Our Pune team supports CC and OD borrowers across the city, both in-person and remotely, so the limit stays regular month after month.

Quick Answers

Purpose: monthly drawing power computation for CC / OD limits.
Rule: DP on paid stock and eligible debtors; statements not older than 3 months.
Starting fee: INR 1,999 per month (Exl GST and Govt. Charges).

Never Miss a Monthly Submission

The stock statement is time-bound every month - usually due by the 7th to 20th of the following month. A late or incorrect statement can freeze drawing power and attract penal interest, and a sustained excess over drawing power risks NPA classification. A dependable monthly process is the simplest way to keep a working-capital limit healthy.

Set up your monthly stock statement service - Call +91 945 945 6700 or request a free quote on WhatsApp.

Set Up Your Monthly Stock Statement in Pune

For any CC or OD borrower, the stock statement is the monthly heartbeat of the working-capital limit - it sets the drawing power and keeps the account regular. Prepared correctly on paid stock and eligible debtors, certified where required, and submitted on time, it protects both the limit and the borrower's credit standing. A reliable monthly partner removes the recurring administrative burden.

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Stock Statement Certificate Across India

Monthly CA-prepared stock statements for CC and OD borrowers in Pune and other major cities.

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End-to-end support for working capital and CC/OD limits

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Content Created: 8 June 2026 | Last Updated: | Next Review: 8 June 2027 | Reviewed By: CA & CS Team, Patron Accounting LLP

This page is reviewed periodically. Stock-statement and drawing-power practice is stable; we review annually and on any change in RBI lending norms or bank formats.

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