The bank-grade project report
A bank-grade project report typically includes:
- Executive summary — business, promoters, project overview, financials at a glance.
- Promoter profile & existing business — track record, related-party relationships.
- Project description — capacity, location, technology, timeline, regulatory approvals.
- Cost of project — land, building, machinery, working capital, contingency.
- Means of finance — promoter contribution, term loan, working-capital limits.
- Projected financials — P&L, balance sheet, cash flow, debt service, ratios.
- CMA data — banker’s standard format covering the next 5–7 years.
- Sensitivity analysis — revenue, margin, interest-rate stress.
- Risk & mitigation.
The borrowers we work with
SMEs applying for term loans (manufacturing, services, retail expansion); first-time entrepreneurs seeking start-up loans under government schemes (PMEGP, Stand-Up India, Mudra); MSMEs accessing CGTMSE-backed credit; companies refinancing existing debt; companies expanding capacity; companies applying to NABARD / state finance corporations.
The six CMA forms
CMA (Credit Monitoring Arrangement) data is the standard bank-format projection tool with six tabs:
- Form I — Operating statement (P&L).
- Form II — Analysis of balance sheet.
- Form III — Comparative statement of current assets & current liabilities.
- Form IV — Calculation of MPBF.
- Form V — Fund flow statement.
- Form VI — Ratio analysis.
Every figure must tie across forms; ratios must be within banker tolerance bands (current ratio > 1.33, DSCR > 1.5, debt-equity < 2:1, depending on sector).
From banker mapping to post-sanction tracking
- Discovery & banker mapping — what bank, what scheme, what loan type.
- Promoter & project documentation — gather documents, KYC, existing financials.
- Cost of project finalisation — quotations, building plan, machinery list.
- Means of finance plan — reconcile with promoter contribution and bank’s exposure norms.
- Financial model build — 3-statement projection, CMA tabs, sensitivities.
- Project report writing — full document, banker-formatted.
- Submission & defence — we attend the credit appraisal meeting where requested.
- Post-sanction — covenant tracking, periodic submission of progress reports.
What you’ll need to share
- Promoter KYC, PAN, bank statements (last 12 months).
- Existing business financials (last 3 years audited).
- GST returns and ITRs of the promoter.
- Project plan, layout, building plan.
- Quotations / invoices for machinery, equipment.
- Land documents (sale deed, lease, NA conversion).
- Regulatory approvals (pollution, factory, CGWA, etc.).
- Customer / vendor LOIs / contracts (where applicable).
How long & how we charge
Standard project report: 3–5 weeks from complete document set. Fixed-fee, scoped on loan size and complexity.
Common questions on project reports
Do you guarantee loan sanction?
No — sanction is a banker’s call. We guarantee a credit-committee-grade report and accompany you through the appraisal. Our success rate on loans we’ve prepared is high but bank-by-bank dependent.
Will you help with CGTMSE applications?
Yes — CGTMSE-backed loans require a slightly different documentation set. We handle the CGTMSE form and post-sanction registration.
Can the same project report be used at multiple banks?
Mostly yes — with bank-specific covering letter and CMA tweaks. Each bank has its own credit appraisal process; we adapt the submission accordingly.
Do you handle PMEGP / Stand-Up India / Mudra?
Yes. These have specific eligibility criteria and project-cost ceilings; we structure the project report to fit the scheme.
Talk to a partner.
A 30-minute call with a partner — no deck, no follow-up email blasts. Just a read on whether we’re the right team to put together your project report.