प्रोजेक्ट रिपोर्ट (DPR)

What is a Project Report?

A project report, also called a Detailed Project Report (DPR), is the document a bank uses to appraise your loan. It explains your business, the project cost, how it will be financed, expected income and how you will repay the loan.

A weak or inconsistent report is a common reason for queries and rejection, even when other documents are in order.

Who Needs It?

• New businesses and startups seeking a term loan
• Existing businesses expanding or buying machinery
• Working capital loan applicants
• Applicants for PMEGP, Mudra and other MSME schemes
• Anyone applying for project finance

What a Good Project Report Contains

• Business and promoter profile, and product or service details
• Market analysis and competition
• Project cost and means of finance (loan and your own contribution)
• 5-year projected profit and loss, balance sheet and cash flow
• Break-even analysis and depreciation schedule
• Loan repayment schedule and DSCR
• CMA data in the bank’s format, where required
• Security offered and risk factors

What Banks Look For

• DSCR (Debt Service Coverage Ratio): banks usually want at least 1.25 to 1.5
• Realistic sales and cost assumptions
• Reasonable promoter contribution; 100% bank funding is a red flag
• Consistency between P&L, balance sheet and CMA data
• CMA data is commonly required for larger loans; small loans may need a simpler report

Documents We Need From You

• PAN, Aadhaar and address proof of promoters
• Business registration papers (Udyam, GST, Shop Act etc.)
• Details of project, machinery and quotations
• Planned loan amount and your own contribution
• Existing business: last 2–3 years’ financials, GST returns, ITR and bank statements

Process & Timeline

1. Share your business idea, project cost and loan requirement.
2. We collect data and decide assumptions with you.
3. We prepare projections, DSCR and CMA data.
4. You review; we revise as needed.
5. Final bank-ready report in PDF.

Usually ready in 5–10 working days.

Why eMitrawala?

• Experienced team for quick document checking and filing
• Support from application to certificate
• Renewal and compliance reminders
• Clear pricing with no hidden charges