What is a project report for a bank loan?

A project report (DPR) is the document a bank uses to appraise a term loan or working-capital request. It covers the promoter, the project, cost of project and means of finance, projected profit and loss, balance sheet, cash flow, DSCR, break-even and the security offered.

Is the project report on loansinfo.in free?

The project report cum CMA data for loans up to ₹10 lakh (Mudra / PMEGP / CGTMSE segment) is free. Larger reports and statements can be generated in the browser; charges, if any, are shown before download.

CMA (Credit Monitoring Arrangement) data is the set of six forms — operating statement, balance sheet, current assets and liabilities, MPBF computation, fund flow and ratios — that banks require for working-capital limits generally above ₹5 crore and often for smaller limits too.

Project reports, CMA and loan tools for Indian banks

Run every credit workflow
from one platform.

Enter the loan amount and the project report builds itself — cost of project, CMA projections, working capital, DSCR, bank ratios, government schemes, stress test and a viability verdict. Retail loan, statement and investment tools sit alongside.

PMEGP, CGTMSE, Mudra, Stand-Up India Works offline — no login

Current projectLive preview

₹ 0 Viable

Total loan requested

0.00

Average DSCR

Bank norm ≥ 1.50

Working capital

Assessed limit

Sections in the bank report

Industries covered

Government schemes checked

₹0

Free and works offline

Seven modules

Pick a module. Everything's inside.

Each card is a complete workspace — related facilities grouped together, ready to use.

8 facilities

MSME / Agri / Corporate

Appraisal & credit assessment

8 reports

Project reports by purpose

Same inputs, eight bank-grade layouts

4 facilities

Retail loans

Personal & consumer lending

6 facilities

Statements / Applications

Stock statement, seasonal budget & LC application

10 models

Financial Model

Loans, projects & business models

5 facilities

Investment solutions

Savings & goal planning

5 pages

Help & resources

Guidance, disclaimer & privacy

Ready to prepare your next project report?

Type the loan amount, pick the sector, change the machinery list. The bank-format report, ratios and advice are ready to print.

Free bank-format tools — each on its own page

Project report ≤ ₹10 lakh →DPR new unit / expansion →CMA data →Working capital →Provisional B/S →Stock statement →LC application →PMEGP guide →Mudra guide →

Start with the loan amount

Enter the term loan (for land, building and machinery) and the working capital (cash credit) separately, then the sector and activity. Every section is filled with sector norms; then change the plant & machinery list and any figure below. The desk also checks whether the project you name is possible at this money.

Term loan

₹lakh

Working capital

₹lakh

Total loan

₹ 30.00 lakh

Sector

Activity

1. Client and project

Name of the unit

Promoter(s)

Constitution

Sector

Activity / product

Address of project site

Project type

Location

Social category

Promoter qualification & experience

Woman entrepreneur

Repaid an earlier Mudra Tarun loan

Financing bank & branch

Report date

Chartered Accountant

Firm & FRN

Membership no. / UDIN

Report format

2. Plant and machinery (the only part that changes per project)

Machine / equipment and specification	Supplier / quotation	Qty	Rate (₹ lakh)	Amount

Rates excluding GST where input credit is available. Attach quotations to the report.

3. Other fixed assets

Land (₹ lakh)

Building / civil / shed / fit-out (₹ lakh)

Furniture, electricals & office equipment

Preliminary & pre-operative expenses

Contingency (% of building + P&M)

4. Capacity, sales and means of finance

Installed capacity (description)

Sales at 100% capacity (₹ lakh / year)

Capacity utilisation year 1 (%)

Increase per year (%)

Maximum utilisation (%)

Selling price increase per year (%)

Fixed cost increase per year (%)

Term loan applied (₹ lakh)

Working capital limit (CC/OD, ₹ lakh)

Unsecured loans from promoters/relatives

Unsecured loans subordinated (quasi-equity)

Capital subsidy, credit-linked (₹ lakh)

5. Operating costs (% of sales)

Raw material / purchases (variable)

Power & fuel (variable)

Consumables, repairs (variable)

Selling & distribution (variable)

Wages & salaries (fixed, % of capacity sales)

Rent, admin, insurance (fixed, % of capacity sales)

Minimum fixed cost (₹ lakh / year)

6. Working capital cycle (days)

Raw material / stock holding

Finished goods holding

Debtors (credit to buyers)

Creditors (credit from suppliers)

7. Loan terms, depreciation and tax

Term loan interest (% p.a.)

Working capital interest (% p.a.)

Tenure incl. moratorium (months)

Moratorium (months)

Depreciation building (WDV %)

Depreciation P&M (WDV %)

Depreciation furniture (WDV %)

Income-tax rate (%)

Drawings (₹ lakh / year)

8. Collateral security

Market value of collateral offered (₹ lakh)

Description of collateral

9. General Bank's norms

Current ratio, minimum

Debt-equity, maximum

TOL/TNW, maximum

Adjusted TOL/TNW, maximum

Average DSCR, minimum

Any-year DSCR, minimum

Break-even, max % of capacity

Promoter margin, minimum % of project cost

Collateral cover where no guarantee cover (% of loan)

10. Peer comparison

Peer companies (one per line)

Data source

Peer EBITDA margin %

Peer PAT margin %

Peer current ratio

Peer debt-equity

Peer TOL/TNW

Peer sales / net fixed assets

Defaults are indicative sector medians. Replace them with ratios of 3–5 listed peers from Screener.in, Moneycontrol or CMIE Prowess before filing.

11. SWOT analysis and market

Strengths (one per line)

Weaknesses

Opportunities

Threats

Market notes from research (demand, prices, competitors)

12. Statutory licences & approvals

List changes with the industry. Tick what the client already holds; the rest show as "to be obtained" in the report.

Other licences / approvals (one per line)

13. Credit appraisal note (total loan above ₹10 lakh)

Leave a box blank where it does not apply — the report writes "Not applicable" or fills it from the projections.

Account profile

CIN (companies / LLP)

LEI (wherever applicable)

GSTIN

PAN

Group

Date of incorporation / establishment

Dealing with your bank

Dealing with your bank since

Credit facility from your bank

Credit facility from your bank since

If new account: present bankers

Banking arrangement

MBA / consortium details (banks and shares)

Purpose of the loan

Delegated (sanctioning) authority

Registered / administrative office

Details of present facilities (one per line: facility — limit — outstanding — status)

Background and business

Background of the concern

Background of promoters / directors / partners

Present request (leave blank to write it from the loan amounts)

Business model (how the unit buys, makes and sells)

Capital structure and group

Authorised capital (₹ lakh)

Issued & subscribed (₹ lakh)

Paid-up capital (₹ lakh)

Book value per share (₹)

Market price NSE/BSE (₹)

Shares pledged by promoters (%)

Shareholding pattern (one per line: holder — %)

Significant change in shareholding (explain)

Partnership firm: capital by each partner (one per line)

Original investment in P&M of existing unit (₹ lakh)

Latest financials of sister concerns (one per line: name — year — sales — PAT — TNW)

Source of promoter capital

Last audited year (existing units)

Financial year (e.g. 2025-26)

Net sales

Net profit

Paid-up capital

Reserves & surplus

Long-term liabilities

Net block

Other non-current assets

Current assets

Current liabilities

Review of existing term loans (conduct, overdue, restructuring)

Peer industry holding levels (days)

Raw materials

Stock in process

Finished goods

Stores & spares

Receivables

Sundry creditors

Project implementation schedule (leave blank to auto-fill)

Land / site possession

Civil works complete

Machinery ordered

Machinery delivered & installed

Trial run

Commercial operation

Non-fund based limits

Letter of credit limit (₹ lakh)

Bank guarantee limit (₹ lakh)

BG type

Cash margin (%)

Tenure (months)

Purpose of NFB limits

Major beneficiaries

Security

Prime security — mortgage (property, owner, area, value, valuer, date)

Prime security — other than mortgage (leave blank to auto-fill)

Passport details of promoters / guarantors (only for limits of ₹50 crore and above)

Risk, exposure and capital cost

Credit risk (blank = auto from DSCR, security)

Management risk

Market risk

Operational risk

Other risk as per industry

Exposure details from your bank (existing + proposed)

Risk weight % (0 = auto)

CRAR incl. CCB (%)

Retail loans

Documents, EMI, loan eligibility from income and a side-by-side offer comparison.

Documents required

Typical checklist used by Indian banks. Each bank may ask for more.

Loan type

Applicant

Compare loan offers

Enter the offers you have received. The lowest total cost is highlighted.

Loan amount (₹)

Lender	Rate % p.a.	Processing fee %	Tenure (months)	EMI	Total interest	Fee	Total cost

Statements / Applications

Month-wise cash flow and stock statement open as their own pages. Project cash flow and what-if use the project on the report desk.

Need a month-wise cash flow? Choose 3, 6 or 12 months — receipts, payments and drawing power for every month.

Projected cash flow statement

Assessing a seasonal unit? Month-wise cash budget with drawing power high in the season and low off-season, and peak / non-peak limits.

Seasonal cash budget (peak deficit method)

For seasonal units (sugar, rice, cotton, cold storage) the cash credit is set by the peak cumulative deficit in the monthly cash budget.

Opening cash (₹ lakh)

Borrower margin (%)

Month	Receipts	Payments	Net	Cumulative

Help, disclaimer & privacy

How to use the website, what it does and does not do, and how your data is handled.

How to prepare a project report

Open Project report, enter the term loan and the working capital separately, pick the industry and type the activity. The form below fills itself with sector norms, and the desk checks whether the project named is possible with that money (a 1 km bridge cannot be built on a ₹30 lakh loan unless the balance comes from other sources).
Change the plant & machinery list to match the quotations, then check costs, capacity and loan terms in the form.
For loans above ₹10 lakh, fill the credit appraisal note details (PAN, GSTIN, capital structure, security, NFB limits).
Tick the licences the unit already holds under Statutory licences & approvals.
Press Generate report. Read the viability verdict and the advice on capital and collateral.
Use Print / PDF or Word to save the report. Use Save inputs to keep a copy of the data for later changes.

The other modules — retail loans, statements and investments — work on their own and need no project data, except cash flow and what-if, which use the current project.

PR-14 · 6-point bankability check

Check your project's loan viability in 2 minutes

Before preparing the project report for the bank, answer these 6 questions. The check scores borrower credibility, project feasibility and financial viability (DSCR) on standard MSME lending norms.

Try an example:

Total project cost & promoter contribution

Capital structure and the promoter's own stake (margin money)

Viability & credibility

Total estimated project cost (₹)

Your own contribution (margin %)

Loan interest rate & tenure (default 11% a year, 5 years)

Interest rate (% a year)

Repayment tenure (years)

Expected monthly revenue & operating expenses

Used to work out net operating income and the debt service coverage ratio (DSCR)

Financial viability

Monthly revenue / sales (₹)

Realistic monthly turnover

Monthly operating cost (₹)

Raw material, rent, staff, electricity

Existing loan EMIs (₹ / month)

Current ongoing monthly EMIs

Net monthly surplus (before loan): Estimated new loan EMI: Projected DSCR:

Market validation & customer readiness

Checks whether the sales in Q2 are achievable

Project feasibility

Borrower credit & banking track record

For small borrowers without a formal credit score — checks banking discipline

Borrower credibility

4(a) EMI regularity

Have you missed any EMI of existing loans in the last 12 months?

4(b) Loan settlement history

Do you have any "settled" or "written-off" loan account in the past?

Where the bank compromised and waived part of principal / interest

4(c) Past 3 years NPA check

Did you have any NPA (non-performing asset) account in the past 3 years?

Loan overdue for more than 90 days

4(d) Guarantor liability check

Are you a guarantor in someone else's loan that is currently an NPA?

Loan security / collateral or scheme backing

Risk cover for the lending bank

Financial viability

Promoter's prior experience or qualification to run the unit

Technical and managerial capability to carry out the project

Project feasibility

Stock & book-debt statement

Monthly statement of hypothecated stock and receivables with drawing power, in the format banks ask cash-credit borrowers to submit. Amounts in rupees.

Open saved

A. Borrower and account details

Statement as on

Month

Statement no.

Name of borrower

Constitution

Bank & branch

CC account no.

Nature of activity

GSTIN / Udyam no.

Sanctioned limit (₹)

Date of sanction / renewal

Margin on stock (%)

Margin on book debts (%)

Book debts eligible up to

Location(s) of stock

B. Stock — quantity and value

Closing quantity = opening + purchase / production − sales / consumption. Value at cost or market price, whichever is lower; finished goods at cost of production.

Deductions from stock

Obsolete / damaged / slow-moving stock (₹)

Stock not in possession / disputed / job-work of others (₹)

Sundry creditors for goods — unpaid stock, incl. LC bills (₹)

C. Book debts — age-wise

Only debts from genuine sales of goods / services. Tick "associate" for debts due from sister concerns, directors, partners or staff — they are not eligible.

Name of debtor	Associate	Up to 30 days	31–60 days	61–90 days	91–180 days	Over 180 days	Total

Disputed / doubtful debts, advances from customers (₹)

D. Account position

Balance outstanding in CC account on statement date (₹)

E. Insurance of hypothecated stock

Insurance company

Policy no.

Sum insured (₹)

Valid up to

Risks covered

F–G. Signatory and CA certificate

Signatory name

Designation

Include Chartered Accountant's certificate

CA firm name

FRN

Partner / proprietor name

Membership no.

UDIN

Place

Cash flow statement — month-wise

Projected cash flow for the next 3, 6 or 12 months, month by month, with drawing power worked out for every month. Amounts in ₹ lakh.

Open saved

Step 1 — For how many months?

Starting from

A. Borrower details

Name of borrower

Bank & branch

Nature of activity

B. Opening position (on the first day of the period)

Cash & bank balance

Stock (at cost)

Sundry debtors

Sundry creditors for goods

Cash credit outstanding

Cash credit limit sanctioned

Minimum cash to keep in hand

Term loan outstanding

C. Sales and trade terms

Average monthly sales

Growth per month (%)

Change any month for seasonal sales, a new loan, capital brought in, machinery bought, tax or drawings.

Cash sales (% of sales)

Credit given to debtors (days)

Material cost (% of sales)

Stock held (days of material cost)

Credit from suppliers (days)

D. Expenses and loan servicing (per month)

Salaries & wages

Power & fuel

Rent, admin & other fixed

Selling, freight & packing (% of sales)

Cash credit interest (% p.a.)

Term loan instalment (principal)

Term loan interest (% p.a.)

E. Drawing power norms

Margin on stock (%)

Margin on book debts (%)

Debtors not eligible — over-age / associate (%)

Seasonal cash budget — month-wise

For seasonal units (rice, sugar, cotton, cold storage, spices, tea). Stock is built up in the season, so drawing power is high in the season and low in the other months. The statement works out the peak-level and non-peak-level working capital limits. Amounts in ₹ lakh.

Open saved

Step 1 — For how many months?

Starting from

Step 2 — Peak season months

Tick the months when stock is bought and held. The peak-level limit applies to these months and the non-peak-level limit to the rest.

A. Borrower details

Name of borrower

Bank & branch

Nature of activity

Main raw material / crop

B. Opening position (on the first day of the period)

Cash & bank balance

Stock (at cost)

Sundry debtors

Sundry creditors for goods

Cash credit outstanding

Minimum cash to keep in hand

Term loan outstanding

C. Purchases and sales — month-wise

Purchases per peak-season month

Purchases per off-season month

Average monthly sales

Change any month — e.g. heavier purchases at the start of the crop, festival sales, a new loan, machinery, tax or drawings.

Cash sales (% of sales)

Credit given to debtors (days)

Material cost (% of sales)

Credit from suppliers / farmers (days)

D. Expenses and loan servicing (per month)

Salaries & wages

Power & fuel

Rent, admin & other fixed

Extra in peak months (seasonal labour, handling)

Selling, freight & packing (% of sales)

Cash credit interest (% p.a.)

Term loan instalment (principal)

Term loan interest (% p.a.)

E. Drawing power norms and limits

Margin on stock (%)

Margin on book debts (%)

Debtors not eligible — over-age / associate (%)

Peak-level limit to sanction (0 = recommended)

Non-peak-level limit to sanction (0 = recommended)

Admin — site settings

Online payments and report charges, search-engine settings, visitor counter, and the small-project calculator. Changes apply in this browser at once; to apply them for every visitor, click Download settings file and upload site-config.json to Netlify together with index.html.

Enter admin PIN

General settings

Show projects with total cost up to (₹ lakh)

Own contribution on fixed assets — general (%)

Own contribution on fixed assets — special category (%)

Margin on working capital (%)

Interest rate (% p.a.)

Loan tenure (months, incl. moratorium)

Moratorium (months)

Shed construction cost (₹ per sq ft)

Owner's living expenses (₹ per month)

New PIN (leave blank to keep)

Online payments & report charges

What to enter where

Razorpay Key ID — log in at dashboard.razorpay.com → Account & Settings → API Keys → Generate Key. Copy only the Key ID (starts with rzp_live_). Never enter the Key Secret anywhere on this site.
UPI ID — the UPI handle of the current account that will receive money (e.g. avanicorp@sbi). Shown with a QR code so customers can pay from any UPI app even if the gateway is not ready.
Payment page link — optional. If your bank/gateway gave you a hosted payment link (Razorpay Payment Page, PayU, Cashfree, Instamojo, SBI ePay…), paste it; a "Pay on secure page" button is shown.
Charge per report — enter the amount in rupees for each report; 0 = free. Download Word / Print opens the payment box first when an amount is set.
Tick Enable payments, click Apply in this browser to test, then Download settings file and upload it to Netlify.

Enable payments (charge for reports)

Business name shown to the payer

Razorpay Key ID (rzp_live_… or rzp_test_…)

UPI ID of receiving account

Payment page link (optional)

Contact e-mail / WhatsApp for payment queries

Note shown in the payment box (optional)

Charge per report (₹, 0 = free)

Search engine (Google) settings

How to come up when people search "project report"

Keep the title and description below focused on the words people type: project report for bank loan, CMA data, Mudra / PMEGP project report, provisional balance sheet. These are written into the page for Google.
Open search.google.com/search-console with the Gmail used for Netlify → Add property → URL prefix → https://loansinfo.in/ → choose HTML tag → copy the code inside content="…" and paste it in Google verification code below → Apply → Download settings file → upload → click Verify.
In Search Console open Sitemaps and submit https://loansinfo.in/sitemap.xml (the file is included in the upload zip). Then use URL inspection → Request indexing for https://loansinfo.in/.
Do the same at bing.com/webmasters (import from Google Search Console — one click).
Create a free Google Business Profile for Avani Corporation, Indore, with the website link — it helps local searches like "project report consultant Indore".

Page title (≤ 60 characters)

Description (≤ 160 characters)

Keywords (comma separated)

Google verification code

Bing verification code (optional)

Business phone (shown to Google)

Business city

Visitor counter

Show visitor counter at the top

Add to the count (to continue from the old counter)

Counter name (change to start from zero)

Counts one visit per browser per day. The number is kept by a free public counting service; if it cannot be reached, the badge is hidden.

Small projects

Minimum cost and own money are worked out with a rented place, general category. Untick a project to hide it. Click a name to edit its machinery and costs.

Open settings file

Run every credit workflowfrom one platform.

Pick a module. Everything's inside.

MSME / Agri / Corporate

Project reports by purpose

Retail loans

Statements / Applications

Financial Model

Investment solutions

Help & resources

Ready to prepare your next project report?

Free bank-format tools — each on its own page

Start with the loan amount

Account profile

Background and business

Capital structure and group

Last audited year (existing units)

Peer industry holding levels (days)

Project implementation schedule (leave blank to auto-fill)

Non-fund based limits

Security

Risk, exposure and capital cost

Retail loans

Documents required

EMI calculator

Loan amount from income (FOIR)

Compare loan offers

Statements / Applications

Projected cash flow statement

Quick drawing power

Seasonal cash budget (peak deficit method)

What-if on the current project

Investment solutions

SIP calculator

Lump sum calculator

Fixed deposit calculator

Recurring deposit calculator

Goal planner

Help, disclaimer & privacy

How to prepare a project report

Disclaimer

Privacy policy

Terms of use

About & contact

Check your project's loan viability in 2 minutes

Total project cost & promoter contribution

Expected monthly revenue & operating expenses

Market validation & customer readiness

Borrower credit & banking track record

Loan security / collateral or scheme backing

Promoter's prior experience or qualification to run the unit

Stock & book-debt statement

Deductions from stock

Cash flow statement — month-wise

Step 1 — For how many months?

Seasonal cash budget — month-wise

Step 1 — For how many months?

Step 2 — Peak season months

Financial models

Model inputs

Chart

Calculation

Project report up to ₹10 lakh Free

Project report — new unit or expansion

Prompt Studio Admin

Start a new unit — capital & viability check

1 Which unit do you want to start?

2 About you and your place

Admin — site settings

Enter admin PIN

General settings

Online payments & report charges

Charge per report (₹, 0 = free)

Search engine (Google) settings

Visitor counter

Small projects

Run every credit workflow
from one platform.