This is the IBA-standard format used by all nationalized banks in India.
The standard project report format for Indian bank loans includes 11–12 sections: Cover Page, Executive Summary, Promoter Profile, Business Description, Project Cost Statement, Means of Finance, Machinery Details, Raw Material & Manpower Plan, 5-year Financial Projections, CMA Data (IBA format), Loan Repayment Schedule, and SWOT Analysis. This format is accepted by all nationalized banks, cooperative banks, and DIC offices.
Yes, Cred generates your project report in fully editable Word (.docx) format. You can customize every section — add your bank's specific requirements, modify financial numbers, or change the language. The Word format also allows you to add your signature, company letterhead, and any bank-specific annexures.
The core format is the same for all banks (based on IBA guidelines). However, some banks have additional requirements: SBI may ask for an additional 'Bank Appraisal Note', PNB may require a specific 'Credit Information Report', and some cooperative banks have their own cover sheets. The core DPR content prepared on Cred meets all bank requirements.
A standard project report is 20–40 pages for small loans (up to ₹25 lakh) and 40–80 pages for larger loans. The key is completeness: all 11–12 sections must be present. Additional annexures (quotations, certificates, photographs) are submitted separately. Cred generates complete 25–35 page reports automatically.