Project Report for Bank Loan: Format, Sample & How to Make It (2026)
The most important document a bank asks for when you apply for a business loan is a project report. A weak or wrongly formatted report is a leading reason MSME, MUDRA and PMEGP loan applications get delayed or rejected.
What is a project report?
A project report (or Detailed Project Report, DPR) describes your business, its viability and its finances. It tells the bank what the business is, how much money is needed and for what, and — most importantly — whether the loan can be repaid on time.
Standard 14-section format
Indian banks expect a standard structure: Executive Summary, Promoter Profile, Business Description, Market Analysis, Technical Feasibility, Project Cost, Means of Finance, projected Profit & Loss, Balance Sheet and Cash Flow (5 years), CMA Data, DSCR & Repayment Schedule, Break-Even Analysis and SWOT. You can see a full project report format with sample online.
The numbers banks check first
Two figures decide most applications: the CMA data (the bank’s standardised financial format) and the DSCR (Debt Service Coverage Ratio), which shows whether profits cover repayments. Banks typically want an average DSCR between 1.5 and 2.0.
How to prepare one
You can hire a CA (usually ₹5,000–₹15,000), build it yourself in Excel, or use an online tool. The fastest route is a free bank project report generator that auto-calculates the CMA data, DSCR and 5-year statements in the exact format banks accept.
FAQ: How many pages should it be?
A standard bank project report is 15–40 pages depending on the loan size, including the full financial projections.
