MSME Loan · Project Report · CGTMSE Ready
Project Report for MSME Loan — CA Certified, Bank Accepted
Sharda Associates helps entrepreneurs prepare customised, CA-certified MSME project reports that match bank and government scheme requirements. The reports include verified DSCR, RBI-format CMA data, realistic financial projections, and quotation-backed project cost estimates, making it easier to submit structured loan documentation to banks and financial institutions.
₹2,999
onwards
24–48 hrs
delivery
CGTMSE
ready
Reports prepared for submission to SBI, PNB, Bank of Baroda, Canara Bank, Union Bank, Bank of India, HDFC Bank, ICICI Bank, and SIDBI — final acceptance depends on each bank’s own credit appraisal.
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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 🙏🏻
Thank you all for your services 🙏🏻
ANKIIT KUMMAR
11 months ago
He is skilled and efficient in his work.
Swadhin Jaroli
11 months ago
Best service provided by the firm
Pratik Chautel
11 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
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.
What is an MSME Loan, and Are You Actually Eligible?
An MSME loan is a business loan designed for Micro, Small, and Medium Enterprises (MSMEs) to meet requirements such as starting a business, purchasing machinery, expanding operations, or managing working capital. Banks classify businesses as Micro, Small, or Medium based on their investment in plant and machinery or equipment and annual turnover, as defined under the MSMED Act.
Under the current MSME classification criteria, a Micro Enterprise can invest up to ₹1 crore with an annual turnover of up to ₹5 crore. A Small Enterprise can have an investment of up to ₹10 crore and turnover of up to ₹50 crore, while a Medium Enterprise can invest up to ₹50 crore with an annual turnover of up to ₹250 crore. Your MSME category determines eligibility for government schemes, priority-sector lending, CGTMSE coverage, and other MSME benefits.
To obtain official MSME recognition, businesses can register on the Udyam Registration Portal. If you need assistance, Sharda Associates helps businesses complete Udyam Registration and prepares the documentation required for MSME loan applications and related registrations.
How Banks Evaluate an MSME Loan Application
Quick answer: banks generally evaluate six major areas — promoter profile, project viability, DSCR, working capital requirement, credit history, and industry risk.
1
Promoter Profile
Background, experience, and net worth in the relevant industry.
2
Project Viability
Whether the business model and technical plan realistically hold up.
3
DSCR
Whether projected cash flow comfortably covers your EMI, year on year.
4
Working Capital Need
Whether CMA data and MPBF match what you’ve applied for.
5
Credit History
Your repayment track record with existing lenders
6
Industry Risk
Sector-specific risk your bank’s credit policy weighs.
Why MSME Loan Applications Get Rejected
Most of these reasons are directly within your control once you know what a bank is checking for
- Generic, template-based project report
- Use a report customised to your actual business, location, and machinery.
- Unrealistic sales projections
- Base projections on capacity-based production assumptions.
- DSCR below the bank's minimum threshold
- Get DSCR verified before submission; restructure tenure if it's weak.
- Insufficient promoter contribution
- Confirm your bank's minimum promoter margin before applying.
- Weak promoter background shown
- Include relevant industry experience in the promoter profile.
- CMA data missing or wrong format
- Prepare all 7 RBI-prescribed CMA statements, cross-verified.
- Overvalued project cost, no quotations
- Back every cost line with an actual supplier quotation.
- Poor credit history
- Check your CIBIL score before applying; document past defaults.
A report with correct DSCR, realistic projections, properly formatted CMA data, and quotation-backed costing removes the most common rejection reasons before submission.
Sample MSME Project Report
Before paying ₹2,999, check the actual format — view a sample MSME project report here, showing structure, depth, and financial presentation banks expect
What Your MSME Project Report Must Contain
Executive Summary
Fast, one-page picture of the project before the full report.
Promoter Profile
Qualifications and experience — banks lend more confidently to informed promoters.
Executive Summary
Fast, one-page picture of the project before the full report.
Promoter Profile
Qualifications and experience — banks lend more confidently to informed promoters.
Business Description
Product/service, technology, capacity, and target market.
Project Cost Estimate
Backed by supplier quotations, not rounded numbers.
Means of Finance
Your contribution vs bank loan — low stake is a common rejection trigger.
5-Year Revenue Projections
Based on realistic capacity utilisation.
Cost of Production Estimate
Covers all operating costs, so profit isn’t overstated.
P&L and Balance Sheet
Shows financial stability over the loan tenure.
Cash Flow Statement
Whether the business has enough money on hand every month.
CMA Data (7 RBI Statements)
RBI-prescribed format for working capital credit appraisal.
DSCR Calculation
Whether EMI is comfortably covered from future cash flow
Break-Even Analysis
Sales volume at which the business stops running at a loss.
Repayment Schedule
EMI structure and tenure, clearly laid out.
CGTMSE Assessment
Required for collateral-free coverage applications.
CGTMSE — Getting an MSME Loan Without Collateral
Under the CGTMSE scheme, eligible MSME borrowers can get bank loans without collateral or a third-party guarantee — the trust guarantees a portion of the loan to the bank.
What This Means for Your Application
Because the bank can’t fall back on collateral, your report needs strong financials — DSCR is typically expected above 1.30 in early years, promoter background must be credible, and project cost must be realistic.
Up to ₹5 Cr
Loan without collateral
75–85%
Guarantee coverage to bank
1.30+
Typical DSCR expected, early years
MSME Project Reports, By Loan Scheme
Different loan schemes have different eligibility criteria and documentation requirements. We prepare customized project reports for the following business loan schemes:
MUDRA Loan : Suitable for small businesses, traders, artisans, and startups applying for loans from ₹50,000 to ₹10 lakh.
MSME Term Loan : Prepared for manufacturing and service businesses seeking term loans from ₹1 lakh to ₹10 crore.
PMEGP Loan: Project reports for PMEGP applications, covering loans up to ₹25 lakh (manufacturing) and ₹10 lakh (service).
CGTMSE Loan: CA-certified project reports for collateral-free MSME loans under the CGTMSE scheme.
Stand-Up India Loan : Prepared for SC/ST and women entrepreneurs applying for loans from ₹10 lakh to ₹1 crore.
Working Capital (CC/OD) : CMA data and project reports for Cash Credit (CC) and Overdraft (OD) facilities based on business turnover.
Documents Required Along With Your Project Report
- Aadhaar Card – Identity verification
- PAN Card – Tax identification
- Udyam Registration Certificate – MSME classification (if applicable)
- Business Address Proof – Registered business address
- Bank Statements (Last 6–12 Months) – Financial transaction history
- ITR / CA-Certified Financial Statements – Financial performance (for existing businesses)
- Machinery or Equipment Quotations—Project cost estimation
- Passport-Size Photographs – KYC requirement
- Caste Certificate (If Applicable) – Scheme-specific eligibility
How to Get Your MSME Project Report
- Fill out the Enquiry Form—Share your name, mobile number, and business type.
- Consultation Call – Our expert calls within 24 hours to understand your requirement (loan amount, bank).
- Send Your Documents – Upload PAN, Aadhaar, business proof, and quotations.
- Report Drafting – Our CA/CS team prepares the projections, ratios, and report as per bank format.
- Review the Draft – You check the draft and share any corrections or changes needed.
- Get Your Final Report – Receive a signed, bank-ready MSME Project Report.
Frequently Asked Questions
An MSME project report is a CA-certified document submitted with a bank loan application by a Micro, Small, or Medium Enterprise. It covers the business plan, project cost, financial projections, CMA data, DSCR calculation, and repayment schedule in the format required by the bank.
Yes. For most MSME loans above ₹50,000 — including MUDRA, PMEGP, CGTMSE, and term loans — banks require a project report. Without it, your application will not be processed.
At Sharda Associates, we deliver standard MSME project reports within 24–48 hours. For larger or more complex projects, it may take 3–5 working days.
The cost depends on the type of business, loan amount, and complexity. Contact us at +91 89899 77769 for a free quote. Our pricing is transparent with no hidden charges.
Our project reports are accepted by all major Indian banks including SBI, PNB, Bank of Baroda, Canara Bank, Union Bank, HDFC Bank, ICICI Bank, and all regional rural banks (RRBs). We prepare reports in bank-specific formats on request.
Yes. Under the CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) scheme, loans up to ₹2 crore are available without collateral. A strong project report significantly improves your approval chances under this scheme.
Yes. We prepare project reports for both new (greenfield) projects and existing businesses looking for expansion loans. For new businesses, we create complete financial projections from scratch based on industry data.
PMEGP (Prime Minister's Employment Generation Programme) has a specific DPR format required by KVIC. We prepare PMEGP-compliant project reports for manufacturing and service sector businesses across India.
Yes. Existing MSMEs can apply for term loans for capacity expansion, machinery upgrade, or new product line addition. The project report must include 3 years of audited financials of the existing business alongside the expansion plan and revised post-expansion projections.