When a business applies for a loan, banks do not only look at the business idea or projected profits. The most important question for a lender is — “Will this business generate enough cash flow to...
When buying a home, many buyers feel more confident when a builder says that the project is “bank-approved”. However, many people misunderstand this term and assume that bank approval means the...
A business loan, a personal loan, and a PMEGP-linked project loan are appraised by different teams against different criteria. Underneath that, though, the same handful of weak points show up again...
Government scheme applications for business loans, subsidies and MSME assistance can get stuck before approval for several reasons, and the problem is not always the applicant’s eligibility...
Not having a filed ITR is a common situation, not a disqualifying one — new businesses, cash-heavy trades, and service providers who’ve only recently registered often don’t have a tax...
A well-built project report earns your file a fair reading. It does not, on its own, earn a sanction. Banks run a business loan proposal through several independent checkpoints, and a flawless project...
Every applicant preparing a DPR or feasibility report runs into this choice at some point. District Industries Centres, KVIC facilitation desks, and various government portals offer free or low-cost...
A project report tells the bank what you say is true about your business. Verification is the separate process of checking whether it actually is. Applicants often assume the report itself is the...
A feasibility study becomes most important when a business requires large capital investment, specialised machinery, regulatory approvals, uncertain demand or significant debt funding. In these top...