Generate a complete, bank-accepted project report for MUDRA, PMEGP, MYUY, PM Vishwakarma and 9+ schemes. CMA data, DSCR, 5-year financials — all auto-calculated.
मुद्रा · PMEGP · MYUY · PM विश्वकर्मा · स्टैंड-अप इंडिया के लिए प्रोजेक्ट रिपोर्ट
No accounting knowledge needed. No CA required. Just answer simple questions about your business.
Choose MUDRA, PMEGP, MYUY, PM Vishwakarma, a general bank-loan path, or any of 9+ schemes
Enter your business type, costs, expected revenue, and loan amount. Takes 15–20 min.
All 12 sections auto-generated with your specific financials, CMA data, and projections in 60 seconds
Free watermarked preview instantly. Pay ₹499 for the clean PDF + Word + Excel, or download as per your plan.
Every report includes all 12 sections banks require. Nothing missing. Nothing generic.
A complete 14-section project report — the same document your bank officer will read. Every table below is real: the repayment schedule, the DSCR, the CMA workings, the balance sheet. Generate yours free, then pay ₹499 for the clean copy.
Project Report
Consumer electronics repair, servicing & spare-parts retail
Vaishali Nagar, Jaipur, Rajasthan
Submitted to the Branch Manager · Punjab National Bank, Vaishali Nagar, Jaipur
The unit has been in operation since 2019 and currently services 20–25 jobs a day from a 350 sq.ft. ground-floor shop, with a recorded customer base of 600+ households in the Vaishali Nagar catchment. The promoter proposes to expand the workbench capacity, add board-level diagnostic equipment and carry a spare-parts inventory so that 70% of repairs can be completed same-day instead of the present 3-day turnaround.
The project is assessed at a cost of ₹10.00 lakh, financed by a ₹8.00 lakh MUDRA Tarun term loan and ₹2.00 lakh of promoter's own contribution (20%). At the projected turnover the unit services its debt 5.87 times over on average, against the 1.25 minimum, and breaks even at 62% of Year-1 sales — leaving substantial cushion against a demand shortfall.
Recommendation: the proposal is technically feasible, commercially viable and financially sound. It is recommended for sanction of a term loan of ₹8.00 lakh repayable in 60 monthly instalments.
| Particulars | Basis | Amount (₹) |
|---|---|---|
| Renovation & civil work | 200 sq.ft. additional area, electrical, ESD flooring | 1,20,000 |
| Diagnostic & repair equipment | As per quotations — Annexure IX | 2,40,000 |
| Computers, software & service tools | 2 systems, billing software, tool kits | 80,000 |
| Furniture, air-conditioning & display fixtures | Counter, racks, 1.5 T AC | 60,000 |
| Margin money for working capital | Stock, receivables & operating cash | 5,00,000 |
| Total project cost | 10,00,000 |
A 5% contingency is built into the civil and equipment estimates. All capital items are supported by three quotations each.
| Source | Amount (₹) | % of project cost |
|---|---|---|
| Promoter's own contribution | 2,00,000 | 20.00% |
| Term loan under MUDRA Tarun | 8,00,000 | 80.00% |
| Subsidy / margin money grant | Nil | — |
| Total | 10,00,000 | 100.00% |
Promoter's contribution is held in Savings A/c No. XXXXXX4417 with Punjab National Bank, Vaishali Nagar (statement enclosed). Debt–equity at inception is 4.00 : 1, improving to 1.65 : 1 by the end of Year 1.
For PMEGP, PMFME, NABARD and state-subsidy proposals this section additionally carries the margin-money subsidy workings, the subsidy-adjusted repayment and a second DSCR computed net of subsidy.
| Equipment | Qty | Rate (₹) | Amount (₹) |
|---|---|---|---|
| BGA rework station with preheater | 1 | 95,000 | 95,000 |
| Digital storage oscilloscope with probes | 1 | 45,000 | 45,000 |
| Universal IC programmer | 1 | 35,000 | 35,000 |
| Ultrasonic PCB cleaning unit | 1 | 22,000 | 22,000 |
| Soldering / desoldering stations | 3 | 8,000 | 24,000 |
| Precision tool kits & ESD workbench | 2 | 9,500 | 19,000 |
| Total | 2,40,000 |
Suppliers: Fine Tools India (Jaipur), Sagar Electronics (Delhi), Techno Instruments (Jaipur). Quotations enclosed at Annexure IX. Delivery within 30 days of sanction; installation by the supplier at no extra cost.
| Particulars | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| Service & repair income | 24.00 | 28.32 | 32.57 | 36.80 | 41.22 |
| Sale of spares & accessories | 9.60 | 11.33 | 13.03 | 14.73 | 16.49 |
| Total revenue | 33.60 | 39.65 | 45.60 | 51.53 | 57.71 |
| Cost of spares & materials (45%) | 15.12 | 17.84 | 20.52 | 23.19 | 25.97 |
| Gross profit | 18.48 | 21.81 | 25.08 | 28.34 | 31.74 |
| Salaries & wages | 6.72 | 7.26 | 7.84 | 8.47 | 9.14 |
| Rent | 1.44 | 1.51 | 1.59 | 1.67 | 1.75 |
| Power & fuel | 0.72 | 0.78 | 0.83 | 0.89 | 0.95 |
| Repairs & maintenance | 0.30 | 0.33 | 0.36 | 0.39 | 0.42 |
| Marketing & business promotion | 0.36 | 0.40 | 0.44 | 0.48 | 0.52 |
| Administrative & miscellaneous | 0.60 | 0.66 | 0.72 | 0.78 | 0.84 |
| Insurance | 0.12 | 0.13 | 0.14 | 0.15 | 0.16 |
| Total operating expenses | 10.26 | 11.07 | 11.92 | 12.83 | 13.78 |
| EBITDA | 8.22 | 10.74 | 13.16 | 15.51 | 17.96 |
| Depreciation (WDV, as per IT Act) | 0.86 | 0.66 | 0.52 | 0.42 | 0.35 |
| EBIT | 7.36 | 10.08 | 12.64 | 15.09 | 17.61 |
| Interest on term loan | 0.78 | 0.64 | 0.48 | 0.31 | 0.11 |
| Profit before tax | 6.58 | 9.44 | 12.16 | 14.78 | 17.50 |
| Income tax (as applicable) | 0.30 | 0.62 | 0.95 | 1.35 | 1.80 |
| Profit after tax | 6.28 | 8.82 | 11.21 | 13.43 | 15.70 |
Revenue grows 18%, 15%, 13% and 12% over the five years, against 22% achieved by the unit in the last audited year. Capacity utilisation moves from 72% to 91%; the projections do not assume any increase in service rates.
| Year | Opening balance | Principal repaid | Interest | Total outgo | Closing balance |
|---|---|---|---|---|---|
| 1 | 8,00,000 | 1,28,404 | 77,937 | 2,06,341 | 6,71,596 |
| 2 | 6,71,596 | 1,42,555 | 63,787 | 2,06,341 | 5,29,041 |
| 3 | 5,29,041 | 1,58,265 | 48,077 | 2,06,341 | 3,70,776 |
| 4 | 3,70,776 | 1,75,706 | 30,635 | 2,06,341 | 1,95,070 |
| 5 | 1,95,070 | 1,95,070 | 11,272 | 2,06,341 | Nil |
| Total | 8,00,000 | 2,31,707 | 10,31,705 |
| Particulars | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| Profit after tax | 6.28 | 8.82 | 11.21 | 13.43 | 15.70 |
| Add: depreciation | 0.86 | 0.66 | 0.52 | 0.42 | 0.35 |
| Add: interest on term loan | 0.78 | 0.64 | 0.48 | 0.31 | 0.11 |
| Cash available for debt service (A) | 7.92 | 10.12 | 12.21 | 14.16 | 16.16 |
| Principal repayment | 1.28 | 1.43 | 1.58 | 1.76 | 1.95 |
| Interest | 0.78 | 0.64 | 0.48 | 0.31 | 0.11 |
| Total debt service (B) | 2.06 | 2.07 | 2.06 | 2.07 | 2.06 |
| DSCR (A ÷ B) | 3.84 | 4.89 | 5.93 | 6.84 | 7.84 |
Average DSCR over the tenure: 5.87. The minimum acceptable to banks is 1.25; the unit crosses that threshold even if Year-1 revenue falls 60% short of projection.
| Particulars | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| LIABILITIES | |||||
| Capital account (net of drawings) | 4.08 | 7.50 | 12.11 | 17.74 | 24.44 |
| Term loan — long-term portion | 5.29 | 3.71 | 1.95 | — | — |
| Term loan — current maturity | 1.43 | 1.58 | 1.76 | 1.95 | — |
| Sundry creditors (30 days) | 1.26 | 1.49 | 1.71 | 1.93 | 2.16 |
| Other current liabilities & provisions | 0.30 | 0.35 | 0.40 | 0.45 | 0.50 |
| Total | 12.36 | 14.63 | 17.93 | 22.07 | 27.10 |
| ASSETS | |||||
| Net fixed assets | 4.14 | 3.48 | 2.96 | 2.54 | 2.19 |
| Stock of spares (45 days) | 1.86 | 2.20 | 2.53 | 2.86 | 3.20 |
| Sundry debtors (10 days) | 0.92 | 1.09 | 1.25 | 1.41 | 1.58 |
| Cash & bank balance | 5.44 | 7.86 | 11.19 | 15.26 | 20.13 |
| Total | 12.36 | 14.63 | 17.93 | 22.07 | 27.10 |
| Sources | Amount | Applications | Amount |
|---|---|---|---|
| Profit after tax | 6.28 | Capital expenditure | 5.00 |
| Depreciation | 0.86 | Increase in stock | 1.86 |
| Increase in creditors & provisions | 1.56 | Increase in debtors | 0.92 |
| Term loan drawn | 8.00 | Repayment of term loan | 1.28 |
| Promoter's capital introduced | 2.00 | Drawings | 4.20 |
| Closing cash & bank | 5.44 | ||
| Total | 18.70 | Total | 18.70 |
Working capital is assessed under the Tandon Committee Method II, the basis used by banks for limits up to ₹5 crore. The workings below are drawn from the Year-1 projections above.
| Particulars | Amount |
|---|---|
| Stock of spares | 1.86 |
| Sundry debtors | 0.92 |
| Cash & bank balance | 5.44 |
| Total current assets (TCA) | 8.22 |
| Sundry creditors | 1.26 |
| Other current liabilities & provisions | 0.30 |
| Current maturity of term loan | 1.43 |
| Other current liabilities (OCL) | 2.99 |
| Working capital gap (TCA − OCL) | 5.23 |
| 25% of TCA — stipulated margin | 2.06 |
| Maximum permissible bank finance (Method II) | 3.18 |
No cash-credit limit is sought in this proposal; the assessment is presented because bank officers ask for it. Were the limit of ₹3.18 lakh availed, the current ratio would stand at 1.33 — above the 1.25 stipulated by IBA.
CMA statements included in the full report
| Ratio | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Bank norm |
|---|---|---|---|---|---|---|
| Current ratio | 2.75 | 3.26 | 3.87 | 4.51 | 9.36 | ≥ 1.25 |
| Debt–equity ratio | 1.65 | 0.71 | 0.31 | 0.11 | Nil | ≤ 3.00 |
| DSCR | 3.84 | 4.89 | 5.93 | 6.84 | 7.84 | ≥ 1.25 |
| Net profit margin | 18.7% | 22.2% | 24.6% | 26.1% | 27.2% | — |
| Interest coverage | 9.4 | 15.8 | 26.3 | 48.7 | 160.1 | ≥ 2.00 |
| Particulars | Amount |
|---|---|
| Fixed costs (salaries, rent, admin, depreciation, interest) | 10.88 |
| Variable costs (materials, power, maintenance) | 16.14 |
| Contribution (revenue − variable costs) | 17.46 |
| P/V ratio | 51.96% |
| Break-even sales | 20.94 |
| Break-even as % of Year-1 revenue | 62.3% |
| Cash break-even as % of Year-1 revenue | 57.4% |
Strengths
Weaknesses
Opportunities
Threats
Free to generate · ₹499 for the clean PDF + Word + Excel · 30-day money-back guarantee
Central Government and State schemes — one platform for all
प्रधानमंत्री मुद्रा योजना
Shishu / Kishor / Tarun · Up to ₹10L · No Collateral
प्रधानमंत्री रोजगार सृजन कार्यक्रम
Up to ₹50L · 25–35% Subsidy · KVIC/DIC
मुख्यमंत्री युवा उद्यमी योजना
Age 18–40 · Up to ₹1 Cr · 15–25% Subsidy
राजस्थान व्यापार संवर्धन नीति 2025
Retail/wholesale MSMEs · CGTMSE & interest subvention
पीएम विश्वकर्मा योजना
18 Trades · 5% Interest · ₹1L–₹3L
स्टैंड-अप इंडिया
SC/ST & Women · ₹10L–₹1 Cr · All Banks
CGTMSE क्रेडिट गारंटी
Collateral-Free · Up to ₹2 Cr · All Banks
किशोर मुद्रा ऋण
₹50,000–₹5 Lakh · No Collateral · All Banks
Also: SBI MSME Loans, NABARD DEDS (Dairy), NLM (Livestock), and all major bank-specific formats
Industry-specific project report templates — with real financial benchmarks and scheme-matched content.
Everything a CA charges ₹15,000 to do — automated and error-free.
Professional business descriptions, market analysis and SWOT sections — written for your business type and location.
DSCR, BEP, IRR, EMI, CMA data — calculated using IBA-standard formulas. 5-year P&L, Balance Sheet, and Cash Flow projections.
Exact format required by SBI, PNB, Bank of Baroda, Canara Bank, DIC offices, KVIC, and all major lenders.
Free watermarked preview instantly. Pay ₹499 for the clean PDF + Word (.docx) + Excel (.xlsx), or download as per your plan.
Generate in English or Hindi. All labels bilingual. Hindi text in correct Devanagari script for rural bank branches.
Update any field anytime and regenerate. Change the loan amount, scheme, or business type — no extra charge.
Entrepreneurs who used Cred to get their business loans sanctioned
“Maine pehle ek CA ko ₹8,000 diye the — unhone 10 din baad ek template de di jo bank ne reject kar di. Phir Cred se khud banaya — 45 minute mein complete report, aur SBI branch ne 3 hafte mein loan approve kar diya. Bahut aasan hai.”
“Mujhe NABARD DEDS scheme ke baare mein pata nahi tha. Cred ne automatically subsidy calculate ki — 33% subsidy SC category ke liye. Bank manager ne bola yeh sabse achha project report tha unhe is saal mila. Loan 18 din mein sanction hua.”
“I prepare project reports for 40–50 clients a month. Before Cred, each report took 4–6 hours. Now it takes 20 minutes including reviewing and customising. The CMA data format is exactly what SBI and PNB credit appraisal teams want. ROI on the Agency plan is over 50x.”
“PMEGP ke liye DIC Ajmer mein teen baar gaya — har baar kuch na kuch missing tha. Cred ka format KVIC ne directly accept kiya, koi revision nahi maangi. 35% subsidy ke saath ₹20 lakh ka loan mila. Ab mera salon double ho gaya.”
“Stand-Up India ke liye CA quotes ₹18,000 de raha tha. Cred se khud banaya aur PNB ne first submission mein hi accept kiya. The DSCR was 1.42 which the bank manager said was 'very comfortable'. Couldn't believe ₹499 could do this.”
“Papad manufacturing ke liye PMEGP report banai. Cred ne installed capacity, production per day, raw material requirement — sab automatically calculate kar diya. Sirf numbers daale aur report taiyar. 6 saal ki financial projections bhi sahi niklein.”
First report free. Or subscribe for monthly volume. No surprises.
Generate free → preview the whole thing → pay ₹499 once for clean PDF + Word + Excel, or download as per your subscription plan. No auto-renewal. Permanent access.
Applying for your first business loan? Cred guides you step-by-step — no accounting knowledge needed. Get a bank-ready report before your branch appointment. Pay ₹499 once for the clean file.
Prepare reports for 10–50+ clients a month? The Agency plan pays for itself with 1 client. 10x faster delivery, zero calculation errors, white-label output.
Help applicants with PMEGP, MUDRA, PM Vishwakarma documentation? Cred's DIC-compliant format reduces back-and-forth with district offices.
Everything you need to know before getting started
Yes. Cred generates reports in IBA (Indian Banks' Association) standard format which is accepted by all nationalised banks (SBI, PNB, Bank of Baroda, Canara, Union Bank etc.), private banks, cooperative banks, and all DIC (District Industries Centre) offices across India. The report format follows RBI and IBA credit appraisal guidelines.
Yes — your first report is free to generate. You can read every section in full (financials, CMA data, DSCR, 5-year projections) and download a preview PDF marked "PREVIEW". To submit it to a bank, pay ₹499 once for the clean PDF + Word + Excel with no watermark — or subscribe from ₹999/month for 5 reports/month. A 30-day money-back guarantee covers it.
Yes — that is the default. Generate your report free, check it, then pay ₹499 once for the clean PDF + Word (.docx) + Excel (.xlsx) with no watermark — that report is yours permanently with free revisions. No subscription, no auto-renewal. This is our most popular option for first-time applicants.
All calculations are automated and error-free: DSCR (Debt Service Coverage Ratio) is guaranteed ≥ 1.25 (the minimum banks require), Current Ratio ≥ 1.25 (IBA requirement for working capital), MPBF (Maximum Permissible Bank Finance) follows Tandon Committee norms, EMI is calculated using reducing balance method, all figures are cross-verified across P&L, Balance Sheet, and Cash Flow statements.
Yes. You can edit every section in the report editor and regenerate any section anytime. Pay ₹499 once (or subscribe) to download editable Word (.docx) which you can further customise in MS Word before bank submission.
Report generation takes under 60 seconds after you fill in your details. Filling in all details typically takes 15–30 minutes. Having your Aadhaar, PAN, business details, machinery quotations, and loan requirement ready will speed things up.
No. Cred is designed for first-time entrepreneurs with no accounting background. You enter simple business information and Cred automatically calculates DSCR, Current Ratio, CMA data, and 5-year financial projections. No CA or accounting knowledge required.
Accepted by these banks and institutions
Generate free. Preview in browser. Pay ₹499 once for a clean, bank-ready download — or subscribe for unlimited monthly reports.
Free preview · Clean download as per your plan · Results in 60 seconds