Detailed project report — new unit or expansion

For manufacturing, service or trading projects above ₹10 lakh, banks want a full DPR: promoter background, market, technical details, cost of project, means of finance, five-year projected financials in CMA format, DSCR, break-even and sensitivity. This tool builds that document step by step.

Project report — new unit or expansion

Nine steps, bank format out: cost of project & means of finance, working-capital assessment (turnover or MPBF method), seven-year profitability, balance sheet and cash flow, repayment schedule with DSCR, break-even, IRR, ratios, sensitivity and risks — with a self-check that every statement reconciles. Expansion reports add existing-business actuals, total and incremental DSCR, and a without-vs-with-project view.

Frequently asked

What DSCR does a bank expect in a DPR?

Most banks look for an average DSCR of around 1.50 with no single year below 1.20–1.25. The tool shows the ratio for every year so you can adjust the loan tenor or margin before submitting.

How much promoter margin is required?

Typically 20–25% of the project cost for general schemes; PMEGP needs 5–10% own contribution; CGTMSE-covered loans follow the bank's margin norms.

Can I use this for a working-capital enhancement?

Yes — the expansion mode takes the existing unit's audited figures as the base year and projects the enhanced level of operations.

Detailed project report — new unit or expansion

Project report — new unit or expansion

Frequently asked

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