Project Report Maker

This free project report maker turns your costs, loan details and sales estimates into a bank-ready project report. Fill in the four short sections above and press Generate. In seconds, you get the cost of project, means of finance, a five-year profit and loss statement, DSCR, a repayment schedule and break-even analysis.

How to Use the Project Report Maker

1. Describe the businessAdd the business name, activity, location and the loan scheme you plan to use.
2. Enter the project costList building or shed, machinery, other assets, pre-operative costs and working capital. Leave out land.
3. Set the financeEnter your own contribution, any subsidy, the interest rate, tenure and moratorium.
4. Add sales and costsEnter first-year monthly sales, raw material share, wages, rent and other expenses.
5. Generate and downloadPress Generate, check the numbers, then save the report as a PDF or download it for Excel.

What Your Project Report Includes

How the Project Report Maker Calculates the Numbers

• Loan: interest only during the moratorium, then equal monthly instalments over the tenure.
• Subsidy: when you enter a subsidy, it is held by the bank and no interest is charged on that amount, as under PMEGP.
• Depreciation: written-down value at 10% for building, 15% for machinery and 10% for furniture; pre-operative costs are written off over five years.
• Growth: sales grow at your chosen rate, while wages, rent and other costs grow 5% a year.
• DSCR: (net profit + depreciation + interest) ÷ (interest + principal).
• Break-even: fixed costs ÷ contribution margin, measured in Year 2.

Consequently, the report follows the same logic bank credit officers use when they appraise a term loan.

What Banks Look For in a Project Report

• A realistic project cost backed by supplier quotations
• A clear own contribution, so the bank is not funding everything
• Sales estimates that match local demand and capacity
• A healthy DSCR, ideally around 1.5 on average
• A break-even point well below projected sales

Who Should Use This Project Report Maker

• First-time entrepreneurs preparing a loan application for the first time
• Existing business owners planning an expansion or a second unit
• CA and DSA professionals who need a quick first draft for a client
• BBA, MBA and commerce students working on a project report assignment

Tips for Realistic Inputs

• Take machinery prices from at least two supplier quotations.
• Base monthly sales on the capacity you can actually reach in Year 1, not full capacity.
• Keep raw material cost close to what similar local units pay.
• Include insurance, repairs and transport in other expenses so profit is not overstated.

Therefore, conservative inputs give you a report that holds up when the bank checks it.

Use It for PMEGP, Mudra and Bank Term Loans

For PMEGP, first check your subsidy with the PMEGP loan calculator, then enter that percentage here. For smaller Mudra loans, compare EMIs with the Mudra loan EMI calculator. Furthermore, our project report library shows sample reports for common businesses, and the business loan scheme guides explain eligibility for each scheme.

Limits of an Automated Project Report

Every business is different, so treat this report as a strong first draft. However, replace sample figures with local quotations, add your market research, and have a chartered accountant review the final version. Read our disclaimer for details.

Frequently Asked Questions