By Sharda Associates | CA Firm, Bhopal
You Need a Project Report — But How Much Will It Actually Cost You?
You have decided to apply for a business loan. Your bank has told you that a CA-certified project report is mandatory. Now you have one question: How much will it cost?
You search online. You find answers ranging from Rs.500 to Rs.100,000. You have no idea which price is right for your situation, why the difference is so large, or what you should actually be paying for a genuine CA-certified project report.
At Sharda Associates, a CA firm in Bhopal, Madhya Pradesh, we prepare CA-certified project reports starting at Rs. 2,999 accepted by SBI, PNB, Bank of Baroda, and all major banks and government scheme portals across India. Our reports are delivered in 2 to 3 working days with limited free revisions until your loan is approved.
Get Your CA-Certified Project Report →
CA Project Report Cost in India?
| Provider Type | Price Range | Quality | Bank Acceptance |
| Software tool online generator | Rs.399 to Rs.1,499 | Template generic | Often rejected |
| Freelancer non-CA | Rs.500 to Rs.2,500 | Variable, no certification | Risky |
| Local CA small town | Rs.2,000 to Rs.8,000 | Good CA-certified | Accepted |
| CA firm city-based | Rs.3,000 to Rs.20,000 | Very good | Accepted |
| Large consulting firm | Rs.20,000 to Rs.100,000 | Comprehensive | Accepted |
| Sharda Associates | Rs.2,999 onwards | CA-certified, personalised | All banks accepted |
What Factors Affect CA Project Report Cost in India
Factor 1 : Loan Amount and Scheme Type
The size of your loan directly affects the complexity of your project report and therefore the cost.
For loans up to Rs.10 lakh including Mudra Shishu, Mudra Kishore, and small MSME loans a simplified Project Report covering basic sections is sufficient. Cost range at Sharda Associates is Rs.2,999 to Rs.3,999.
For loans between Rs.10 lakh and Rs.25 lakh including PMEGP, CMEGP, Mudra Tarun, and standard MSME term loans a complete Project Report with detailed financial projections, DSCR calculation, and market analysis is required. Cost range at Sharda Associates is Rs.2,999 to Rs.4,999.
For loans above Rs.25 lakh including large term loans, CGTMSE loans, SIDBI loans, and NABARD applications, a Detailed Project Report is required, which goes significantly deeper with multi-scenario projections, complete technical analysis, and sensitivity analysis. Cost range at Sharda Associates is Rs.4,999 to Rs.12,000.
Factor 2: Government Scheme Requirements
Different government schemes have different project report format requirements—and preparing reports in the exact scheme-specific format requires additional expertise and time. PMEGP Project Report
Our Bhopal-based team has specific hands-on experience with all these scheme formats, particularly CMEGP, which is specific to Madhya Pradesh and requires a format that most national consultants are not familiar with.
Get Your Scheme-Specific Project Report →
Factor 3 — Business Complexity and Industry Type
A Project Report for a simple service business, a tailoring shop, or a mobile repair store costs less than a Project Report for a manufacturing unit with complex machinery, raw material sourcing, and production capacity analysis.
Simple service businesses and retail shops: Rs.2,999 to Rs.4,000. Trading businesses from Rs.2,999 to Rs.4,999. Food processing and agro-based businesses: Rs.3,999 to Rs.7,000. Manufacturing businesses — Rs.4,999 to Rs.12,000. Hospital, hotel, and large service businesses: Rs.5,999 to Rs.15,000.
Factor 4: Whether CMA Report and Feasibility Report Are Included
A project report alone covers your business plan and financial projections. For most loans above Rs.10 lakh banks also require a CMA Report alongside the project report. For government scheme applications, a feasibility report is also required.
Getting all three documents prepared together as an integrated package is always more cost-effective than ordering them separately.
At Sharda Associates our combined packages are priced as follows. Project Report plus CMA Report package starts at Rs.4,999. Project Report plus Feasibility Report package starts at Rs.4,999. Project Report plus CMA Report plus Feasibility Report package starts at Rs.6,999.
Get Your Combined Documentation Package →
Factor 5 : Delivery Timeline
Standard delivery in 2 to 5 working days is included in the standard price. Urgent delivery in 24 to 48 hours is available at most CA firms including Sharda Associates for an additional charge depending on the complexity of the project.
Factor 6 :New Business vs Existing Business
For existing businesses with ITR, audited financial statements, and bank statements, the CA can verify your historical figures and build projections on a verified foundation. This is the standard scenario.
For new businesses without any financial history the CA must conduct more industry research and prepare complete projections from scratch based on market benchmarks. This typically involves more work and may cost slightly more at some firms — though at Sharda Associates our pricing is the same for new businesses.
Sharda Associates Project Report 2026
| Service | Price | Delivery |
| Standard Project Report | Rs.2,999 | 2 to 3 working days |
| PMEGP Project Report | Rs.2,999 | 2 to 3 working days |
| CMEGP Project Report MP | Rs.2,999 | 2 to 3 working days |
| Mudra Project Report | Rs.2,999 | 2 to 3 working days |
| CGTMSE Project Report | Rs.3,999 | 3 to 5 working days |
| NABARD Project Report | Rs.4,999 | 3 to 5 working days |
| Detailed Project Report | Rs.4,999 | 5 to 7 working days |
| Project Report plus CMA Report | Rs.4,999 | 3 to 5 working days |
| Project Report plus Feasibility Report | Rs.4,999 | 5 to 7 working days |
| Complete Package All 3 Documents | Rs.6,999 | 5 to 7 working days |
| Urgent Delivery: 24 to 48 hours | Call for a price. | 24 to 48 hours |
All prices include unlimited free revisions until your bank approves. No hidden charges.
Get Your Project Report at Rs.2,999 →
Why Cheap Project Reports Cost More in the Long Run
This is the most important section in this guide and the one most people skip until it is too late.
A Rs.500 software-generated project report that gets rejected by the bank costs you the bank processing fee you paid, the weeks of waiting time, the delay to your business plans, and the cost of getting a proper CA report prepared anyway after the rejection.
A Rs.2,999 CA-certified project report that gets approved the first time costs you Rs.2,999 and nothing more.
The math is straightforward. But the real cost of a cheap, rejected project report goes beyond money. Every month your loan is delayed is a month you cannot buy the machinery your business needs. In a month your competitor is growing while you are waiting. In a month your business opportunity is at risk of disappearing.
At Sharda Associates we have seen hundreds of clients come to us after their software-generated or non-CA reports were rejected. In every single case the total cost of the cheap report plus the Sharda Associates report plus the delay was significantly higher than if they had come to us first.
What is included in our Rs.2,999 project report?
Many people assume that the cheapest CA-certified project report must be missing something important. At Sharda Associates it is not. Every project report we prepare starting at Rs.2,999 includes all of the following.
Complete business description covering your business model, products or services, legal structure, and proposed location. Full promoter profile covering your qualifications, experience, and personal financial standing. Market analysis covering your target customers, demand assessment, competitor analysis, and your competitive advantages.
Technical plan covering machinery specifications with actual quotations, raw material sourcing, and production capacity. Complete cost of project with item-wise investment breakdown. Means of finance showing your own contribution versus loan requirement. 5-year financial projections including a profit and loss statement, balance sheet, cash flow statement, and loan repayment schedule. The DSCR calculation was verified against your specific bank’s minimum requirement. Break-even analysis. CA certification with ICAI stamp
Get Your Complete Rs.2,999 Project Report →
CA Project Report vs. Software-Generated Report ?
| Factor | Software Report Rs.399-999 | Sharda Associates Rs.2,999 |
| Prepared by | Algorithm | Qualified CA — ICAI certified |
| Market research | Generic template | Real industry data |
| Financial projections | Pre-filled formula | Verified by CA |
| DSCR calculation | May be incorrect | Verified against bank norms |
| CA certification | None | ICAI stamp and number |
| Bank recognition | Low — often identified | High — immediate credibility |
| Revision support | None | Unlimited free |
| Approval rate | Low | Very high |
| Real cost if rejected | Rs.399 plus rejection cost | Rs.2,999 — approved first time |
How to Get the Best Value for Your Project Report Budget
Tip 1: Choose a CA Firm Not a Freelancer or Software Tool
Always choose a qualified CA firm for your project report preparation not a freelancer without CA credentials and not a software tool. The credibility difference is enormous and directly affects your approval chances.
Tip 2 : Get a Package Deal
If you need a project report along with a CMA Report or Feasibility Report always ask for a package price. At Sharda Associates our combined packages save you Rs.1,000 to Rs.2,000 compared to ordering documents separately.
Tip 3 : Confirm Revision Policy Before Paying
Always confirm that unlimited free revisions are included until your bank approves. At Sharda Associates all revisions are completely free — no matter how many times your bank asks for changes. Some CA firms charge separately for each revision always confirm this before paying.
Tip 4 : Check Scheme-Specific Experience
If you are applying under PMEGP, CMEGP, CGTMSE, or NABARD — confirm that your CA firm has specific hands-on experience with that scheme’s exact format requirements. Getting the format wrong results in rejection at the portal level — regardless of how good the content is.
Tip 5 : Verify Delivery Timeline
Confirm the exact delivery timeline before paying. At Sharda Associates we deliver standard Project Reports in 2 to 3 working days. Urgent 24-hour delivery is available for time-sensitive deadlines.
How Sharda Associates Helps You Get the Best Value
At Sharda Associates we have kept our prices as low as Rs.2,999 specifically because we believe every MSME entrepreneur in India deserves access to professional CA-certified documentation — not just large businesses with big budgets.
Every Project Report we prepare is personally prepared by a qualified Chartered Accountant. We are based in Bhopal, Madhya Pradesh. When you call us you speak directly to a CA — not a call centre, not a freelancer, not a software. We understand the specific requirements of banks across MP, the CMEGP scheme, and all government scheme portals.
Our reports are accepted by SBI, PNB, Bank of Baroda, Union Bank, Canara Bank, SIDBI, and all major banks and NBFCs across India. Also accepted by PMEGP, CMEGP, CGTMSE, Mudra, NABARD, and Stand Up India portals.
Documents Required for Project Report Preparation
- Aadhaar Card and PAN Card of all promoters
- Udyam Registration Certificate
- GST Registration Certificate
- Machinery quotations from authorised suppliers
- Land or premises documents
- Last 2 to 3 years ITR if available
- Last 6 months bank statements
- Projected revenue and expense estimates
For new businesses without financial history contact us first. Our CA team will guide you on exactly what to prepare at no charge.
Conclusion
The cost of a CA Project Report in India in 2026 ranges from Rs.399 for software-generated templates to Rs.1,00,000 plus for large consulting firms. For the vast majority of MSME entrepreneurs applying for loans between Rs.5 lakh and Rs.50 lakh a CA-certified Project Report in the Rs.2,999 to Rs.8,000 range is the right investment.
The most important thing is not finding the cheapest report; it is finding a report that gets your loan approved the first time. A Rs.2,999 CA-certified project report that gets approved is infinitely more valuable than a Rs.500 template that gets rejected and sends you back to square one.
At Sharda Associates, we have kept our prices at Rs.2,999 because we believe every entrepreneur deserves professional CA documentation, not just the ones who can afford large consulting fees.
Call or WhatsApp +91 89899 77769
Get Your Project Report at Rs.2,999 →
Frequently Asked Questions
Q1: What is the minimum cost of a CA project report in India?
The minimum cost of a CA-certified project report from a qualified firm in India in 2026 is Rs.2,000 to Rs.3,000 for simple projects. At Sharda Associates, our CA-certified project reports start at Rs.2,999 for standard MSME, PMEGP, CMEGP, and Mudra applications
Q2: How much does a PMEGP project report cost?
A PMEGP-specific project report in the exact KVIC/KVIB/DIC format costs Rs.2,999 at Sharda Associates. This includes the complete business plan, financial projections, DSCR calculation, and CA certification with ICAI stamp.
Q3 Is a Rs.500 software project report acceptable to banks?
Software-generated project reports are frequently identified and rejected by bank credit officers. They have no CA certification, no independent financial verification, and no professional accountability. The cost of a rejected loan application—processing fees, delays, and lost opportunities is significantly higher than the cost of a Rs.2,999 CA-certified report.
Q4: Do I need to pay extra for revisions?
At Sharda Associates all revisions are completely free limited until your bank is fully satisfied and your loan is approved. Always confirm the revision policy before paying any CA firm.
Q5: How much does a detailed project report cost?
A Detailed Project Report for loans above Rs.25 lakh starts at Rs.4,999 at Sharda Associates. The exact cost depends on your industry, loan amount, and specific bank requirements.
Q6: Is the CMA report included in the project report cost?
No. A CMA report is a separate document starting at Rs.2,999. However, our combined Project Report plus CMA Report package starts at Rs.4,999, saving you money compared to ordering separately.
Q7: What is the cost of a feasibility report along with a project report?
Our combined project report plus feasibility report package starts at Rs.4,999. The complete package, including the Project Report, CMA Report, and Feasibility Report, starts at Rs.6,999.
Q8: How to get a project report for free?
You can prepare a basic project report yourself—but the risk of rejection is very high without CA certification and proper financial analysis. At Rs. 2,999, our CA-certified Project Report is priced at a level that makes professional preparation accessible to every entrepreneur. The cost of one bank rejection far exceeds Rs.2,999.