It is the document that explains your business to the bank: what you sell, what it costs to set up, what you expect to earn and how you will repay the loan.
Banks use it to decide whether to lend. A weak or incomplete report is one of the most common reasons loans get delayed or turned down. Finline makes sure nothing important is left out.
Why Pay ₹10,000 When You Can Do It Yourself?
Most people still get a project report made the slow way. Here is how it compares.
The usual way: a CA, Excel or a template
The Finline way
Example: change your monthly sales from ₹2 lakh to ₹3 lakh.
Your profit & loss, balance sheet, cash flow, DSCR, break-even and working capital all update on their own.
Project Report Format for Bank Loan: What's Inside
Banks are used to seeing reports laid out a certain way. Every Finline report follows that same order, so the loan officer finds what they need quickly.
Executive Summary
Business Details
Promoter Profile
Market Overview
How the Business Works
Machinery & Equipment
Raw Material & Staff
Project Cost & Means of Finance
5-Year Profit & Loss
Balance Sheet & Cash Flow
Working Capital
Loan Repayment Schedule
DSCR, Break-Even & SWOT
CMA Data
All 14 sections are created for you. You don't need a CA, Excel or any formatting skills.
Create My Project Report New to CMA data? Read our simple guide →What the Bank Checks in Your Report
Knowing these questions in advance helps you walk in prepared.
Will the business work?
Is there real demand for what you are selling?
Who is running it?
Your experience and ability to manage the business.
What will it cost?
A clear breakup of machinery, setup and running costs.
How much are you putting in?
Your own contribution compared with the loan amount.
Are the sales numbers realistic?
Projections that match your capacity and market.
Can you repay? (DSCR)
Enough earnings to cover EMIs comfortably. Banks like 1.5 or higher.
When will it make a profit?
A 5-year view of when the business breaks even and grows.
How will the loan be repaid?
A simple year-by-year repayment plan.
Make Your Project Report in 3 Easy Steps
From the first question to a PDF in your hands, in about 10 minutes.
Tell us about your business
Business name, type, location and how much loan you need. No finance knowledge needed.
Add a few numbers
Your expected costs and monthly sales. Finline works out the rest: profit, cash flow, DSCR and more.
Check it and download
See the full report for free. Happy with it? Pay and download a bank-ready PDF.
Who Needs a Project Report for a Bank Loan?
Anyone applying for a business loan, a government scheme loan or MSME credit in India.
Sample Project Reports for Bank Loan
Real reports made on Finline. This is the same format your bank will see.
Make Your Own Report
Fill in your business details and get a bank-ready PDF in about 10 minutes.
Create NowWhy 75,000+ Business Owners Use Finline
You know your business. We know what banks want to see. Together, that makes a strong report.
Quick to finish
Most people finish their report in about 10 minutes, in one go.
No accounting skills needed
You know your business. Finline handles the calculations.
Accepted by major banks
Used for loans at SBI, HDFC, PNB, ICICI, Axis Bank and other banks across India.
Edit any time, free
Bank asked for a change? Update it and download again at no extra cost.
Much cheaper than a CA
Plans start at ₹499, a small part of what a consultant usually charges.
Want us to make it for you?
Our team of CAs and experts can prepare the report for you, usually within 24 hours.
WhatsApp Us →Who Can Apply and What to Keep Ready
A quick checklist before you visit the bank.
Who can apply?
- Anyone aged 18 or above
- Self-Help Groups (SHGs) and registered societies
- Production co-operative societies and charitable trusts
- New units: manufacturing up to ₹50 lakh, service up to ₹20 lakh project cost (PMEGP)
- Existing businesses looking for expansion, working capital or a term loan
- Your own contribution is usually 5–25% of the project cost, depending on the scheme
Documents you'll need
- KYC: Aadhaar, PAN and address proof
- Education certificate (EDP training certificate, if your scheme asks for it)
- Caste or special category certificate (if applicable)
- Quotations for machinery and equipment
- Bank statements for the last 6 months
- Proof of business premises (owned or rented)
- Project Report for Bank Loan, which you can make on Finline in about 10 minutes
Simple Pricing, No Surprises
Build and preview your report for free. Pay only when you're ready to download.
Free Preview
See your full report before you pay
- ✓ Create your full report
- ✓ Preview every page online
- ✓ Watermarked sample PDF
- ✕ Not for bank submission
Lite
Good for loans up to ₹3 lakh
- ✓ Full 10-page report PDF
- ✓ MUDRA, PMEGP, CMEGP, MSME
- ✓ All nationalised banks
- ✓ Unlimited edits & downloads
- ✓ 3-year projections
Premium
Good for all loan types and bigger amounts
- ✓ Full 25–30 page report
- ✓ MUDRA, PMEGP, CMEGP, MSME
- ✓ 5-year projections
- ✓ All public & private banks
- ✓ Unlimited edits & downloads
PMEGP Subsidy at a Glance (2026)
Under PMEGP, the subsidy is called margin money. You don't have to pay it back once the 3-year lock-in is over.
| Applicant Category | Urban Area Subsidy | Rural Area Subsidy | Your Own Contribution |
|---|---|---|---|
| General Category | 15% | 25% | 10% of project cost |
| Special Category (Women / SC / ST / OBC / Minorities / Ex-servicemen / Differently Abled / NE & Hill / Border Areas) |
25% | 35% | 5% of project cost |
What Business Owners Say
Real customers who got their loans approved.
"I applied for a PMEGP loan of ₹20 lakhs. My bank manager was impressed with the report — said it was better than what most CAs submit. Got the loan approved in 3 weeks."
"I had zero knowledge of finance. Finline asked me simple questions about my business and built the entire report. The DSCR calculations and projections were all done automatically. Saved me ₹8,000 in CA fees."
"The report was ready in under 10 minutes. I submitted to SBI and the loan officer said the format was exactly what they need. Approved within a month. Finline is a lifesaver for small business owners."
"Tried making the report in Excel myself — took 2 days and still had errors. Finline did it in 15 minutes with no errors. Bank accepted it the same day I submitted. Worth every rupee."
"My CA quoted ₹12,000 for a project report. Finline did it for ₹499 and it was accepted by HDFC Bank without a single question. I've recommended it to 5 of my friends already."
"The CMEGP report Finline generated had all the subsidy calculations done perfectly. Even the bank officer complimented the quality. First-time applicant and got approved in the first attempt."
Frequently Asked Questions
Simple answers to what most first-time borrowers ask.
Free to start — CA verified — Instant PDF
Your Bank Loan Starts With a Good Project Report
Don't let a missing or messy report hold up your loan. Build a complete, bank-ready report with 5-year numbers, DSCR and CMA data in about 10 minutes. It works for PMEGP, Mudra, MSME, NABARD and regular bank term loans. Preview it free and pay from ₹499 when you're happy.
FYNAMICS Business Solutions(P) Ltd
Finline’s core objective is to support and help small business owners to become successful & sustainable in their business. With this aim we are providing a series of services and solutions to make their life easy. The automated project report builder is a stepping stone for the same . We are looking for an inclusive growth in the fintech domain among our stake holders.
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