Professional DPR with CMA data, DSCR, 5-year financial projections, and working capital assessment. Used by 5,000+ Indian entrepreneurs. Bank-accepted format.
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Every report meets RBI norms and Indian Banks' Association (IBA) CMA data format requirements.
A project report (also called DPR — Detailed Project Report) is a comprehensive document that describes your business plan, financial projections, and loan repayment capability to the bank. It includes your business profile, project cost, means of finance, machinery details, manpower plan, 5-year financial projections, CMA data, working capital assessment, and loan repayment schedule with DSCR.
Banks require a project report to assess the creditworthiness and viability of your business before sanctioning a loan. The report helps the bank's credit officer evaluate: (1) Is the project technically feasible? (2) Is it financially viable? (3) Can the borrower repay the loan from business profits? A weak project report is the #1 reason for loan rejection.
A bank project report must include: Executive Summary, Promoter profile, Business/industry analysis, Project cost statement, Means of finance, Machinery & equipment list with quotations, Raw material and manpower plan, 5-year P&L, Balance Sheet and Cash Flow projections, CMA Data (Credit Monitoring Arrangement), Working Capital assessment (Tandon Method), Loan repayment schedule with DSCR calculation, and SWOT analysis.
CMA (Credit Monitoring Arrangement) data is a standardized financial statement format required by the Indian Banking Association (IBA) for all loan applications above a threshold (typically ₹5 lakh and above). It includes: Fund Flow Statement, Operating Statement, Balance Sheet projections, Maximum Permissible Bank Finance (MPBF) calculation, and ratio analysis including Current Ratio (must be ≥ 1.25 as per RBI norms).
DSCR (Debt Service Coverage Ratio) measures the business's ability to repay the loan. DSCR = (Profit After Tax + Depreciation + Interest on Term Loan) / (Term Loan Principal Repayment + Interest on Term Loan + Interest on Working Capital). Banks require DSCR ≥ 1.25 for most loan schemes. A DSCR below 1.0 means the business cannot service its debt from operations.
Yes, you can. With Cred by Fastlegal, you simply fill in your business details and our AI generates a complete, bank-compliant project report in under 60 seconds. All calculations — DSCR, CMA data, working capital, depreciation, repayment schedule — are done automatically. You can review, edit any section, and download in Word, PDF, or Excel.
Traditional project report consultants charge ₹3,000–₹15,000 per report depending on the loan amount and complexity. With Cred by Fastlegal, your first report is completely free. Paid plans start at ₹499/month for up to 10 reports — making it up to 30x more affordable than hiring a consultant.