15 sections · PDF and Word
Report format
The download is an A4 PDF or an editable Word file — or both. Navy headings, tabulated financials in Rs. lakhs and page numbers. Choose Basic, Detailed or CMA before you start.
Basic Loan Project Report
Sec. 01
Cover / title
Applicant, enterprise, scheme, project cost, requested loan and report date.
Sec. 02
Executive summary
One-page snapshot of the facility, means of finance, Year-1 sales and average DSCR.
Sec. 03
Applicant profile
Personal details, education, category, address and KYC status — never an Aadhaar number.
Sec. 04
Business profile
Constitution, activity, registrations, premises and location.
Sec. 05
Promoter profile
Name, designation, DOB, PAN, DIN, education and CIBIL if supplied.
Sec. 06
Project description
Purpose, market, customers, location advantages and promoter experience.
Sec. 07
Project cost
Machinery, furniture, office equipment, working capital and other heads.
Sec. 08
Means of finance
Promoter, subsidy (as declared), term loan and working capital.
Sec. 09
Projected profitability
Year-wise P&L in Rs. lakhs — sales through cash accrual.
Sec. 10
Projected balance sheet
Liabilities and assets with Total Assets = Total Liabilities.
Sec. 11
Financial ratios
Margins, TNW, TOL/TNW, current ratio, coverage and turnover.
Sec. 12
DSCR analysis
Cash available for debt service versus annual obligation, with average DSCR.
Sec. 13
Assessment of loan requirement
Cost, means, revenue, repayment and viability in credit-file language.
Sec. 14
Working capital assessment
Included when the facility is Term Loan + Working Capital. Working-capital gap, stipulated NWC, MPBF and assessed bank finance under Nayak or Tandon.
Sec. 15
Security
Primary security and collateral / guarantee only as you selected.
Sec. 16
Project viability
Short summary of the unit, cost, loan, sales and DSCR.
Working capital assessment is included when you select Term Loan + Working Capital. It is omitted for Term Loan Only.
Detailed extras
Everything in Basic, plus these sections after viability.
Extra 1
Cash flow analysis
Opening cash, operations, working-capital change, capex, loan and promoter movements.
Extra 2
Funds flow statement
Long-term and short-term sources and uses, with net surplus or deficit.
Extra 3
Additional financial ratios
Liquidity, profitability, activity, growth and leverage. Missing denominators show as not applicable.
CMA Data Report
For existing businesses and cash-credit proposals. Years are labelled by you (for example 2023-24) — they are not hard-coded.
Sec. 01
Applicant / company details
Identity, constitution, activity and KYC — never an Aadhaar number.
Sec. 02
Banking and facility details
Bank, branch, term loan, cash credit, rate and tenure.
Sec. 03
Historical financial summary
Audited years as labelled by you.
Sec. 04
Estimated current year
Latest estimated operating and balance-sheet snapshot.
Sec. 05
Projected financial years
Forward years with sales, PAT, net worth and growth.
Sec. 06
Detailed operating statement
Cost of production through PAT, retained profit and funds from operations.
Sec. 07
Detailed projected balance sheet
Capital, term loans, current assets and liabilities, net block.
Sec. 08
Current assets statement
Cash, receivables, inventory heads and other current assets.
Sec. 09
Current liabilities statement
Trade creditors, statutory dues, advances and bank borrowings.
Sec. 10
Working capital assessment
TCA, OCL, working-capital gap and stipulated NWC.
Sec. 11
MPBF / assessed bank finance
Under the selected Nayak or Tandon method, capped at the requested limit.
Sec. 12
Financial ratio analysis
Liquidity, profitability, activity, growth and leverage.
Sec. 13
Funds flow statement
Long-term and short-term sources and uses.
Sec. 14
Cash flow analysis
Opening to closing cash, checked against the balance sheet.
Sec. 15
DSCR analysis
Year-wise DSCR and CFDSCR from the calculation engine.
Sec. 16
Credit requirement assessment
Requested facility versus MPBF and ABF.
Sec. 17
Security details
Primary security and collateral only as you selected.
Sec. 18
Financial observations
Trend comments and any consistency warnings.
Sec. 19
Project viability
Short summary of the unit, cost, loan, sales and DSCR.