What is a project report for bank loan?

A project report for bank loan is a formal document that presents your complete business plan to the bank. It includes business description, market analysis, project cost, 5-year financial projections, CMA data, and loan repayment schedule. Banks require this before approving any business loan above Rs.5 lakh.

How much does a project report cost?

At Sharda Associates, CA-certified project reports start at Rs.2,999. Final cost depends on loan amount, business type, and complexity of the report.

How long does it take to prepare a project report?

Sharda Associates delivers project reports within 24 to 48 hours. Urgent delivery is also available on request.

Is CA certification mandatory for project report?

Yes, for loans above Rs.10 lakh, CA certification is mandatory. Banks require CA stamp and signature. Without CA certification, most banks return the application without processing.

Which banks accept project reports from Sharda Associates?

Sharda Associates project reports are accepted by SBI, PNB, Bank of Baroda, Union Bank, Canara Bank, SIDBI, and all NBFCs. Reports are also accepted under PMEGP, MUDRA, CMEGP, and NABARD schemes.

Project Report for Bank Loan Bank-Ready Project Report

Looking for a project report for a bank loan? Get a business-specific report covering project cost, means of finance, sales and financial projections, profitability, cash flow, repayment capacity, and other details lenders may assess. We prepare the report according to your business activity, funding requirement and applicable loan or government scheme.

45,500+

Project Reports Delivered

9+

Major Banks Accept Us

7+

Government Schemes Covered

Pan India

Fully Online Service

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What Is a Project Report for a Bank Loan?

Definition

What It Is

A bank loan project report is a structured document that explains the proposed or existing business, project cost, funding requirement, business assumptions and projected financial performance.

It may include project cost, means of finance, revenue projections, profitability, cash flow, balance sheet, DSCR and other information relevant to the proposed loan.

Reasoning

Why Banks Ask for One First

A project report helps a lender understand how the proposed funds will be used and how the business is expected to generate revenue and repay the proposed borrowing.

The exact information required can vary depending on the lender, loan type, business activity, loan amount and applicable government or credit scheme.

Who Needs a Bank Loan Project Report?

A project report may be useful for businesses seeking finance for a new venture, expansion, machinery, working capital or other business-related requirements. The exact requirement depends on the lender and loan product.

New Business

Existing Business Expansion

MSMEs

Startups

Manufacturers

Service Businesses

Types of Bank Loan Project Reports

Different businesses and loan purposes require different project-report structures. The contents and financial assumptions are adapted to the nature of the business, proposed investment and financing requirement.

MSME Project Report

Covers project cost, funding requirements, working capital and projected financial statements

Mudra Loan Project Report

Presents business details, investment, funding requirement and financial projections for eligible applicants.

PMEGP Project Report

Covers proposed business activity, project cost, funding structure and financial projections.

Agriculture Loan Project Report

Farming, allied & rural enterprise financing.

Manufacturing Project Report

Covers machinery, production capacity, raw materials, costs and projected profitability.

Service Business Project Report

Covers service operations, setup costs, revenue and projected financial performance.

Trading Business Project Report

Covers inventory, purchases, sales, working capital and cash flow.

CGTMSE Project Report

Presents project and financial information for applicants considering applicable CGTMSE-backed credit facilities.

Sharda Associates

4.7

Based on 79 reviews

review us on

Namira Ansari

9 months ago

CA Anugrah and his team are very polite, helpful, and excellent at their work.

W. Zing Shali

9 months ago

Sharda Associates made 4 DPR for me, with so much patience and dedication. They made so many changes according to my request but was very patient with me.
Thank you all for your services 🙏🏻

ANKIIT KUMMAR

11 months ago

He is skilled and efficient in his work.

Swadhin Jaroli

12 months ago

Best service provided by the firm

Pratik Chautel

12 months ago

Excellent Service.

Rohit Dora

1 year ago

Had to give two stars for the lack of commitment from the team.
Before paying for the service, I have enquired if there is any time restriction or restriction on number of changes and was told no. However Second report was erroneous and had to make corrections for the points missed.
Now the team wants me to pay additional amount for making changes related to Fiinancials.
Extremely disappointed

Nikhil

2 years ago

I would like to thanks Sharda Associates for their timely and pocket friendly services!! When it comes to applying for any loan in bank or under any government scheme, project reports play very important role in its approval . I got my project report prepared by Sharda Associates...which they prepared very professionally on time and also did multiple corrections whenever it was asked by bank. I will suggest everyone to take services from Sharda Associates for the best project reports and quick loan approvals from the bank or government scheme.

Chethan S

2 years ago

I had an excellent experience with Sharda Associates. They provided a beautifully detailed project report that exceeded my expectations. Their professionalism and attention to detail were evident in every aspect of the report.

Industries We Prepare Project Reports For

We prepare project reports across multiple sectors, with project costs and financial assumptions adapted to the nature of each business.

Manufacturing

Food Processing

Healthcare

Education

Construction

Retail

Agriculture

Hotels

Renewable Energy

Logistics

IT & Technology

What Does a Bank Loan Project Report Include?

Documents Required to Prepare a Bank Loan Project Report

The documents required may vary depending on the business type, loan purpose, lender and applicable scheme. The following documents are commonly requested and may not all apply to every applicant.

PAN & Aadhaar

Business Registration

Financial Statements

Bank Statements

Income Tax Returns

Machinery Quotations

Business Address Proof

Existing Loan Details

Banks We Prepare Project Reports For

Government Schemes Supported

PMEGP

Mudra

CGTMSE

Stand-Up India

NABARD

AIF

CMEGP

How We Prepare Your Project Report

1

Share Your Basic Details

Call or WhatsApp us at +91 89899 77769, or fill in the enquiry form on this page. Tell us your business type, the loan amount you need, and which bank or scheme you’re applying to. An ICAI-registered CA gives you a free consultation the same day and confirms exactly what your report needs to cover.

2

Our CA Team Prepares Your Report

A Chartered Accountant analyses your business details and drafts your complete project report — financial projections, DSCR, cash flow, and every section your bank or scheme expects. Every report is built fresh for your specific loan type, business, and target bank; no generic templates.

3

Pay and Receive Your Report

We send you the draft report to review before anything is finalised. Once you’re satisfied, complete payment and receive the final, CA-certified report ready to submit to your bank. If your bank raises any factual or formatting query afterward, we revise it at no extra cost within the agreed scope.

Why Choose Sharda Associates?

CA-Certified Reports

Every report reviewed and certified by a practising Chartered Accountant.

Bank & Scheme Formats

Built to match each bank’s and scheme’s specific evaluation format.

Pan India Service

Fully online — wherever your business is registered across India.

Fast Turnaround

Every report reviewed and certified by a practising Chartered Accountant.

45,500+ Reports Delivered

A track record across MSMEs, startups, and established businesses.

Revision Support

Reports revised to address any queries your bank or scheme authority raises.

Common Reasons Banks Reject Project Reports

Unrealistic Financial Projections

Sales or profit growth not grounded in market data or past performance.

Weak DSCR

A repayment coverage ratio below the bank’s minimum comfort threshold.

Incorrect Project Cost

Figures that don’t match actual quotations or valuations submitted.

Cash Flow Mismatch

Fund flow figures that don’t reconcile against the balance sheet and P&L.

Missing Financial Statements

Overly optimistic revenue growth without a credible basis is one of the fastest ways to get flagged.

Wrong Report Format

Using a generic template instead of the specific bank or scheme’s expected structure.

Related Project Report Services

Detailed Project Report (DPR) →

CMA Report →

Agriculture Loan Project Report

Land Allotment Project Report →

Cold Storage Subsidy DPR →

Other Project Report

Frequently Asked Questions

Q1. What is a project report for a bank loan?

A structured document covering your business profile, project cost, and financial projections that banks use to assess loan eligibility and repayment capacity.

Q2. Is a project report mandatory for every bank loan?

Not for very small unsecured loans, but for most term loans, working capital, and scheme-backed financing, banks require one.

Q3. Who prepares a bank loan project report?

Chartered Accountants and financial consultants with bank-format experience — every report from Sharda Associates is CA-reviewed.

Q4. Which banks accept your project reports?

SBI, Bank of Baroda, PNB, Canara Bank, Union Bank, Indian Bank, SIDBI, and cooperative banks, among others.

Q5. Which government schemes do you support?

PMEGP, Mudra, CGTMSE, Stand-Up India, NABARD, AIF, and CMEGP, each prepared in that scheme’s specific format.

Q6. What does the report include?

Executive summary, business profile, market analysis, project cost, means of finance, financial projections, cash flow, balance sheet, P&L, DSCR, break-even analysis, and risk analysis.

Q7. How long does it take?

Turnaround depends on report complexity and how quickly documents are shared — simple reports move faster than multi-year project finance cases.

PAN, Aadhaar, business registration proof, financial statements, bank statements, and ITRs — see the documents section above for the full list.

Q9. Can new businesses without financial history apply?

Yes — for new businesses, projections are built on realistic market research rather than historical financials.

Q10. What is DSCR and why does it matter?

Debt Service Coverage Ratio measures your ability to repay from operating cash flow — banks use it as a key approval benchmark.