A Project Report is a comprehensive document that explains the business idea, its feasibility, financial projections, market analysis, technical requirements, and overall viability.
It is mainly required for bank loans, investors, government schemes, and project planning.
It acts as a blueprint of the entire project.
A standard project report includes the following:
Executive Summary / Promoter Profile
Business Overview
Market Study & Demand Analysis
Technical Feasibility
Business Model & Revenue Structure
Manufacturing Process (if applicable)
Project Cost & Means of Finance
Financial Projections (5 to 7 years)
Profit & Loss
Cash Flow
Balance Sheet
Break-even Analysis
DSCR
Risk Assessment & Mitigation
SWOT Analysis
Implementation Plan & Timeline
Government Permissions required
Conclusion on Project Viability
| Merits (Advantages) | Demerits (Limitations) |
|---|---|
| Helps secure bank loan or funding | Preparation can be time-consuming |
| Provides clarity of business model | Requires expert knowledge |
| Shows financial viability | Mistakes may lead to loan rejection |
| Helps in decision-making | Incorrect assumptions affect accuracy |
| Acts as a roadmap for operations | Needs continuous updating |
| Enhances credibility with investors | May require cost for professional preparation |
| Helps identify risks & opportunities | Over-detailed reports may confuse lenders |
| Mandatory for government schemes | Data collection may be difficult |
PAN Card
Aadhaar
Passport-size photos
Address proof (Electricity/Water Bill/Passport)
GST Registration
Udyam Registration
Partnership Deed / MOA & AOA / LLP Agreement
Shop Act / Trade License
Bank Statements (12 months)
ITR of last 2–3 years (if applicable)
Balance Sheet & P&L (existing business)
Net Worth Certificate (optional)
Quotation for Machinery
Land/Office Rent Agreement
List of Raw Materials
Cost Sheet
Project Layout / Photos
Projections Sheet
DPR (Detailed Project Report)
Collateral property documents
CA certificate
Project feasibility certificate
Credit Report (CIBIL)
Name
Qualification
Experience
Business background
Role in project
Nature of business
Vision & mission
Products/services offered
Target customers
Industry overview
Demand & supply gap
Competitor analysis
Pricing strategy
Manufacturing process (step-by-step)
Machinery list and cost
Raw material requirements
Utilities: power, water, manpower
Includes:
Land & Building
Machinery
Working Capital
Pre-operative Expenses
Contingencies
Promoter Contribution
Term Loan
Working Capital Loan
Subsidy (if applicable)
Sales Projections
Expenses
P&L Statement
Cash Flow
Balance Sheet
BEP (Break-even point)
DSCR (Debt Service Coverage Ratio)
Market risk
Financial risk
Operational risk
Mitigation measures
Whether the project is feasible
Expected profitability
Repayment ability
A Project Report is a detailed document explaining the business model, financial projections, market potential, and viability of the business. It is required for bank loans and investment proposals.
Because it helps lenders evaluate whether your business is profitable, viable, and repayable.
CA (Chartered Accountant)
Financial Consultant
Project Finance Expert
Startup founders (with templates)
Banks generally require 5–7 years of financial projections.
Yes, for:
Term Loans
Working Capital Loans
PMEGP Loan
Mudra Loan (above ?5 lakh)
MSME Loans
Machinery Loans
DSCR
Break-even Point
IRR (sometimes)
Profit Margin
Coverage Ratios
For small loans like Mudra under ?5 lakh, banks may not ask for a detailed report.
But for ?10 lakh+, a report is almost mandatory.
Depends on the complexity:
Simple Report: ?2,000 – ?5,000
Detailed DPR: ?10,000 – ?50,000
| Project Report | DPR (Detailed Project Report) |
|---|---|
| Basic and concise | Very detailed & technical |
| Suitable for small loans | Required for big loans, govt approvals |
| 15–25 pages | 50–200 pages |
Yes, but it is better to customize the format to match the bank’s requirements.
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