Project Report Generator for Bank Loans (Mudra, PMEGP)

About the Project Report Generator for Bank Loans (Mudra, PMEGP)

A project report is what a bank reads before it lends to a new unit: what the project costs and how it is paid for, what it will sell and spend, and whether its earnings repay the loan. This tool builds one step by step for a bank loan, a PMMY (Mudra) loan, a PMEGP project, a loan with CGTMSE cover or a Stand-Up India loan:

• the cost of the project and the means of finance, with the term loan worked out;
• capacity and sales, operating costs, and the projected profit and loss account, balance sheet and cash flow for 3 to 10 years;
• the working capital assessment, the repayment schedule, DSCR, break-even and the project’s IRR and NPV;
• written sections from fill-in templates, a PDF in the order bank officers read it and an Excel copy with live totals.

Templates for common businesses (dairy, tailoring, bakery, salon, printing, fabrication, flour mill, restaurant, repair shop, paper products, furniture, a kirana store) bring the usual assets, products and staff — names only. Every amount is yours, from quotations and estimates, and nothing is adjusted to meet any bank’s norms.

Without a pass the report is a free preview: every page as an image marked as a preview, with your written sections and the first rows of each statement readable and the later figures hidden, and the DSCR, break-even, IRR and ratios hidden in full; the PDF, the Excel copy and Copy summary unlock with a Premium pass.

Common uses

• Prepare a project report for a Mudra, PMEGP or Stand-Up India loan application.
• Show a bank how a new unit’s earnings cover its loan instalments, year by year.
• Compare two machines or two capacity plans before buying.
• Give a consultant a complete Excel copy to finish the bank’s own format.

What the report contains

• Cost of the project: each asset from its quotation, contingency on building and machinery, preliminary and pre-operative expenses, and the margin money for working capital.
• Means of finance: the promoter’s contribution, any subsidy or margin money, unsecured loans and the term loan, with each one’s share and the debt–equity ratio.
• Projections: capacity used and sales by product; materials, power, wages, rent, repairs, insurance, selling and other expenses with yearly increases; depreciation (written-down value at the income-tax rates, or straight line over Schedule II lives) and the write-off of preliminary expenses; interest on the term loan and the cash credit; tax at the rate you set.
• Statements: profit and loss account, balance sheet from the position after set-up, and cash flow whose closing cash agrees with the balance sheet each year.
• Tests banks apply: working capital assessment, DSCR each year with the average and the lowest, break-even and cash break-even as a share of capacity, and the project’s IRR, NPV and payback.

Schemes: what the tool checks, and what it leaves to you

• PMMY (Mudra) gives loans to non-corporate, non-farm micro enterprises: Shishu up to ₹50,000, Kishor above ₹50,000 up to ₹5 lakh, Tarun above ₹5 lakh up to ₹10 lakh, and Tarun Plus above ₹10 lakh up to ₹20 lakh for those who have availed and repaid a Tarun loan. The report names the category of the total loan.
• Stand-Up India loans are composite loans of ₹10 lakh to ₹1 crore for a greenfield enterprise of SC/ST or women entrepreneurs; the scheme envisages 15% margin money, and the borrower brings at least 10% of the project cost. The report flags a loan or contribution outside these.
• CGTMSE guarantees collateral-free credit to micro and small enterprises up to ₹10 crore, for a guarantee fee — ask the bank for the fee and add it to the expenses.
• PMEGP margin money (subsidy) and own contribution depend on the promoter’s category and the unit’s location under the scheme’s current guidelines: enter them yourself, with the rule they come from, as the bank and the implementing agency apply them.
• For any MSE loan up to ₹20 lakh, RBI’s Master Direction on MSME lending asks banks not to take collateral security.

How the figures are worked out

Year 1 is the first twelve months of operation. Sales = capacity × capacity used × price; materials = units × material cost per unit; power follows the capacity used; salaries, rent and other expenses are yearly amounts; selling expenses are a share of sales, repairs a share of building and machinery, insurance a share of fixed assets. Stocks, credit to buyers and credit from suppliers follow the months you set, and the cash credit is the balancing figure of the balance sheet (or the limit you enter).

DSCR = (net profit + depreciation + interest on the term loan) ÷ (principal repaid + interest on the term loan). Break-even = fixed costs × sales ÷ contribution, where materials, power and selling expenses are variable; as a share of capacity it is the capacity used × fixed costs ÷ contribution. The IRR uses the cost of the project at the start and then each year’s profit after tax, depreciation and after-tax interest on the term loan, with — if you choose — the book value of the fixed assets and the margin money for working capital released at the end (the rest of the working capital is carried by the cash credit and the yearly accruals, so it is not counted again).

Limitations

• The term loan is disbursed when operations start; interest during implementation is not modelled separately (use the moratorium for it).
• One loan and one cash credit; subsidies are shown as received at the start, so check how your bank wants back-ended subsidies shown.
• Tax is a single rate on the profit before tax; losses are not carried forward.
• Templates suggest names only — they contain no prices or norms, and you must enter every amount from your own quotations and estimates.
• Scheme rules change: the checks cover only the limits quoted above; your bank decides eligibility.

Privacy

Everything is calculated in your browser. The promoter’s details, figures and saved projects are never uploaded. The project on screen is kept in this browser as you type, so it is still there when you come back (New blank project replaces it); saved projects stay in this browser until you delete them.