Real Client Results

"Bank Loan Case Studies | CA-Verified Results | Sharda Associates"

How CA-prepared CMA Reports, Project Reports & Feasibility Reports helped
MSME businesses secure bank loans — even after prior rejections.

45,500+

Reports Delivered

78%

Reports Delivered

24–48 hrs

Reports Delivered

Zero

Reports Delivered

Filter by Report Type

Client Success Stories

All financial figures are actual — verified through ITR, GST data & audited statements.
Client identities anonymized for confidentiality.

Steel Fabrication Unit Secures ₹40 Lakh Term Loan After 2 Bank Rejections

Two CMA Reports — one by an unqualified consultant, one software-generated — were rejected. DSCR was 0.98 (below 1.25 minimum). Fund flow didn’t reconcile. 11 bank queries went unanswered.

1.48→2.31

DSCR (Y1→Y3)

3 Queries

Down from 11

0

Revision

Kirana Store Owner Gets ₹8 Lakh Mudra Loan for Shop Expansion in Bhopal

First-time borrower with no prior loan history. Bank asked for a detailed project report with ROI projections. Self-prepared report was rejected — missing cash flow statement and repayment schedule.

₹8L

Loan Sanctioned

12 Days

Processing Time

First Try

No Rejection

Agarbatti Manufacturing Unit Gets ₹25 Lakh PMEGP Loan — 35% Government Subsidy Secured

PMEGP application rejected once — project report didn’t meet bank’s DPR format. Machinery cost was understated, subsidy calculation was wrong, and the promoter’s contribution wasn’t clearly shown.

35%

Subsidy Secured

₹25L

Loan Sanctioned

22 Days

Total Processing

Client Success Stories

All financial figures are actual — verified through ITR, GST data & audited statements.
Client identities anonymized for confidentiality.

Steel Fabrication Unit Secures ₹40 Lakh Term Loan After 2 Bank Rejections

Two CMA Reports — one by an unqualified consultant, one software-generated — were rejected. DSCR was 0.98 (below 1.25 minimum). Fund flow didn’t reconcile. 11 bank queries went unanswered.

1.48→2.31

DSCR (Y1→Y3)

3 Queries

Down from 11

0

Revision

Garment Manufacturer Secures ₹60 Lakh Working Capital — CMA Report Cleared 9-Month Stuck File

Canara Bank- CC Limit

Working capital file was stuck at bank for 9 months. Existing CMA showed inconsistent stock statements and turnover mismatch between ITR and bank statements. Credit officer wouldn’t move the file.

9 Months

Stuck File

21 Days

Cleared After Fix

₹60L

CC Limit Got

Client Success Stories

All financial figures are actual — verified through ITR, GST data & audited statements.
Client identities anonymized for confidentiality.

Poultry Farm Expansion Funded — ₹35 Lakh NABARD Loan via Detailed Feasibility Report

NABARD-Linked Scheme

Existing poultry unit wanted to expand from 5,000 to 20,000 birds. Bank required a detailed feasibility report with environmental clearance assessment, break-even analysis, and 5-year projections.

1.48→2.31

Projection Built

3 Queries

Loan Sanctioned

0

Capacity Increase

Frequently Asked Questions

What is a CMA Report for a bank loan?

A CMA Report (Credit Monitoring Arrangement) is a set of 7 RBI-mandated financial statements that banks require for business loans above ₹10 lakh — covering past performance, current position, and 3–5 year projections. Get a CA-certified CMA Report from Sharda Associates starting at ₹2,999.

Q2. What is a project report for a bank loan?

A CA-certified document (20–35 pages) covering business description, market analysis, project cost, and 5-year financial projections — required by banks for most loans above ₹5 lakh, including MUDRA and PMEGP applications.

Q3. What's the difference between a Project Report and a Detailed Project Report (DPR)?

A standard Project Report suits loans up to ₹25 lakh. A DPR is required for loans above ₹25–50 lakh, involving deeper technical feasibility, risk analysis, and multi-scenario financial modeling.

Q4. What is a Feasibility Report and when does a bank ask for it?

A feasibility report assesses whether a proposed project is technically, financially, and commercially viable — required for loans above ₹25 lakh, project expansions, and NABARD-linked schemes.

Q5. Can a CA-prepared report reverse a bank loan rejection?

Yes — as shown in our Steel Fabrication case study, a CMA Report with DSCR of 0.98 was rejected twice. After CA-level correction of depreciation and interest loading errors, DSCR improved to 1.48–2.31, and the ₹40 lakh loan was sanctioned within 18 working days.