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Project at a Glance

One-page executive summary with total project cost, loan amount, EMI, DSCR and net profit — the first thing a bank officer reads.

Promoter & Business Profile

Complete applicant details, business constitution, category (OBC/SC/ST/General), and employment details in bank-prescribed format.

Business Overview

Industry introduction, market potential, revenue strategy, and product/service description tailored to your specific business type.

5-Year Financial Projections

Year-wise Revenue, Gross Profit, EBITDA and Net Profit with realistic capacity ramp-up from 70% (Yr 1) to 100% (Yr 3+).

Projected P&L Statement

Full income statement with all expense line items — salary, electricity, rent, depreciation, interest, and PAT for all 5 years.

Balance Sheet & Cash Flow

Assets, liabilities, and 3-activity cash flow statement (operating, investing, financing) for each of the 5 projection years.

DSCR Calculation

Year-wise and average DSCR with PASS/FAIL bank status. Month-wise EMI breakup for Year 1. All shown at RBI/IBA standard format.

MPBF (Tandon Method)

Maximum Permissible Bank Finance computed using both 1st and 2nd method of lending as required by nationalised banks for working capital.

CMA Data & Key Ratios

Debt Equity Ratio, Interest Coverage, DSCR, Gross Margin, EBITDA Margin, Net Profit Margin, Fixed Asset Turnover, and Stock Turnover days.

Capital Structure & Fixed Assets

Complete project cost breakdown, fixed asset itemization with WDV depreciation schedule for all 5 years, and working capital inventory list.

Break-Even Analysis

Year-wise BEP sales and capacity utilization — shows the bank the minimum revenue needed to stay profitable.

Sensitivity / Stress Test

Financial viability at -5% and -10% revenue scenarios. Proves the loan is repayable even if business underperforms.