P1
Project report
Naya unit ya expansion
- Project cost aur means of finance
- 5-7 saal ke projections
- DSCR, break-even aur sensitivity
- Bank-ready report
₹3,999 se shuru + GST
Bade project ya multiple units par scope dekh kar quote
Bank Finance · Project Report & CMA Data
Bank sirf aapka idea nahi, aapke numbers dekhta hai. Hum realistic projections, CMA data aur saaf project report banate hain jo bank ke format aur credit norms ke hisaab se ho.
Kaam mein kya shamil hai
Fees
Fee loan ke type, amount aur projections ki complexity par depend karti hai. Requirement dekh kar fee pehle bata dete hain.
Naya unit ya expansion
₹3,999 se shuru + GST
Bade project ya multiple units par scope dekh kar quote
CC/OD limit — naya ya renewal
₹4,999 se shuru + GST
Limit ₹5 crore se upar ho toh scope dekh kar quote
Mudra, PMEGP, stand-up aur subsidy linked
₹3,999 se shuru + GST
Scheme ke format aur portal ke hisaab se
Is page par di gayi jaankari general information hai, professional advice nahi. Positions facts aur us waqt ke law par depend karti hain — apne case ke liye humse baat kar lijiye.
Provisional, projected balance sheet aur CMA ki poori rate list →
Bahut zyada profit dikhana report ko kamzor banata hai. Bank realistic numbers pasand karta hai — hum past data aur industry norms se projections banate hain.
Sanction ke baad stock statements, renewal aur CMA update — ek hi team ke paas.
Scope
Har loan ka format alag hota hai — bank aur scheme ke hisaab se.
Machinery, building ya expansion ke liye — project report aur DSCR.
CC/OD limit — CMA data aur stock-debtors assessment.
Shishu, Kishor, Tarun category ke hisaab se simple report.
Naye micro unit ke liye margin money subsidy wali scheme ka project report.
SC/ST aur women entrepreneurs ke greenfield project ke liye.
Collateral-free loan ke liye credit guarantee ka eligibility.
Existing limit badhwane ke liye updated CMA aur justification.
Doosre bank mein loan shift karne ke liye financials aur report.
Jahan financial projections ya net worth dikhana ho.
Ye baatein pehle se jaan lijiye
Report mein turnover bahut zyada aur ITR mein kam — bank turant pakadta hai.
Project cost ka ek hissa aapko khud lagana hota hai — iska source saaf hona chahiye.
Low score par report kitni bhi achhi ho, loan atak sakta hai — pehle check kariye.
Process
Loan type, amount, bank aur aapka business.
Past ITR, financials, quotations aur KYC.
Projections, CMA aur report — aapke review ke saath.
Submission support aur bank ke queries.
Documents
Loan file ke liye: ye list taiyar rakhiye. Photo ya scan WhatsApp par bhej dijiye — original sirf zaroorat par. Case ke hisaab se list thodi badal sakti hai.
Quick guide
Bank ya scheme ki loan file mein ye hisse hone chahiye. Inme se koi hissa kamzor ho, toh file wapas aa jaati hai ya amount kam ho jaata hai.
| Report ka hissa | Bank isse kya dekhta hai |
|---|---|
| Promoter profile aur business | Experience, licences aur business kitna chal sakta hai |
| Project cost aur means of finance | Land, building, machinery, working capital, aur promoter ka apna contribution (margin) |
| Projected P&L, balance sheet aur cash flow (5-7 saal) | Loan chukane ki capacity |
| DSCR (debt service coverage ratio) | Har saal ki kamai se EMI kitni baar cover hoti hai. Zyadatar bank average DSCR lagbhag 1.25 ya usse upar pasand karte hain |
| Break-even aur sensitivity | Sales kam hone par bhi loan chal sakta hai ya nahi |
| CMA data (working capital ke liye) | Stock aur debtors ka holding period, CC/OD limit ka assessment |
| Repayment schedule aur security | EMI, moratorium, collateral ya CGTMSE cover |
| Scheme | Limit | Kya dhyan rakhein |
|---|---|---|
| Mudra Shishu | ₹50,000 tak | Simple business plan kaafi |
| Mudra Kishor | ₹50,000 se ₹5 lakh | Bank aksar projections maangta hai |
| Mudra Tarun | ₹5 lakh se ₹10 lakh | Project report aur ITR |
| Mudra Tarun Plus | ₹10 lakh se ₹20 lakh | Pehle ka Tarun loan time par chukaya ho |
| PMEGP | Project cost: manufacturing ₹50 lakh tak, service ₹20 lakh tak | Margin money subsidy 15% se 35% (category aur area ke hisaab se); apna contribution 5-10% |
Credit Monitoring Arrangement data bank ka ek standard format hai jisme past aur projected financials, working capital aur ratios hote hain. CC/OD limit ke liye zyada tar banks isko maangte hain.
Data mil jaane par aam taur par kuch working days. Scheme loans mein format simple hota hai.
Loan sanction sirf bank karta hai. Hum report, documents aur queries mein poori help karte hain, lekin sanction ki guarantee koi nahi de sakta.
Naye unit ke liye project report projections par hi banti hai — quotations, market data aur aapke experience se.
Category aur area (urban/rural) ke hisaab se margin money subsidy project cost ka ek percentage hoti hai. Aapke case mein eligibility pehle check karte hain.
Zyadatar bank average DSCR lagbhag 1.25 ya usse upar pasand karte hain. 1.2 se kam DSCR par loan mushkil hota hai ya amount kam hota hai. Projections realistic rakhiye, kyunki bank unhe aapke ITR se milata hai.
Project report naye unit ya term loan ke liye poori business planning hai: cost, finance aur 5-7 saal ke projections. CMA data bank ka standard format hai jo mainly working capital (CC/OD) limit ke assessment ke liye use hota hai.
Shishu (₹50,000 tak) mein simple plan chal jaata hai. Kishor, Tarun aur Tarun Plus (₹20 lakh tak) mein bank aksar projections aur proper report maangta hai, aur report jitni saaf hogi sanction utna jaldi hoga.
Aur bhi
Loan ka type, amount aur business bataiye — hum documents ki list aur report ka plan bhej denge.