Bank Loan Success Case Studies

Yes. Most bank rejections happen due to DSCR errors, fund flow mismatches, or projection mistakes in self-prepared or software-generated reports. A CA-prepared CMA Report corrects these at the root level — fixing depreciation, interest loading, and 7-statement reconciliation — which directly improves DSCR and sanction chances.

Typically 15–25 working days from document submission to sanction letter, depending on the bank and loan amount. Our case studies show an average of 18 working days. Loans under ₹25 lakh (Mudra/PMEGP) often process faster — within 10–15 days.

A CMA Report is for existing businesses applying for working capital or term loans — it covers 3 years of historical financial data plus 3–5 year projections across 7 statements. A Project Report is for new businesses or new projects — it covers setup cost, revenue projections, break-even analysis and viability for banks under PMEGP, Mudra, CGTMSE or NABARD schemes.

A Feasibility Report is a comprehensive study of whether a proposed project is technically, financially, and commercially viable. Banks ask for it for larger loans (typically above ₹25 lakh), project expansions, NABARD-linked schemes, and any project involving new land, machinery, or infrastructure. It includes market analysis, technical parameters, financial projections, and risk assessment.