Project report format for a bank loan, explained page by page
See how project cost, funding, profit and repayment fit together. Use this guide to prepare the right figures before you ask for a report.
Project report preparation: From ₹2,000
Prepared by Finbees Consulting, Dharmapuri.
Last updated:
Connected sections that tell one story
A project report format for a bank loan connects the project, the funding and the expected repayments. The headings alone are not enough: the same assumptions must flow through every schedule.
The outline below explains the proposed Finbees core report. Your bank may ask for extra schedules or a different presentation. Share that request before preparation starts.
About the project report
This page identifies the borrower and explains the purpose of the loan. The bank should be able to connect the applicant, activity and quotation without guessing.
| Field | What it means | What to review |
|---|---|---|
| Borrower and constitution | Name, business address and the actual business structure. | Matches the application and supporting records. |
| Project and purpose | The asset, activity or expansion that the loan will fund. | Explains how the purchase relates to the business. |
| Loan assumptions | Requested loan, contribution, interest and repayment term. | Carries the same assumptions into later schedules. |
Cost of project and means of finance
Cost is what you will spend. Means of finance is how you will pay for it. Keep excluded costs visible so the borrower contribution is not understated.
| Field | What it means | What to review |
|---|---|---|
| Project cost | Quoted asset cost and other included purchase components. | Supported by quotations and the bank's eligibility rules. |
| Promoter contribution | Money you will provide from your own resources. | The source is explained and the amount is consistent. |
| Requested borrowing | The proposed loan and any other explained funding. | Total funding equals total cost; there is no unexplained gap. |
Projected profitability statement
Show the income basis and operating costs for each year. Separate interest and depreciation from running costs to avoid counting either item twice.
| Field | What it means | What to review |
|---|---|---|
| Income | Expected work multiplied by the supported rate or receipts basis. | Trips, utilisation or sales assumptions can be explained. |
| Operating costs | Energy, staff, maintenance, insurance and other relevant expenses. | The costs match the way the business will operate. |
| Profit before tax | Income less operating costs, depreciation and interest. | The figure links to the funds-available statement. |
Cash accruals, tax and repayment coverage
The public calculator is a simplified before-tax illustration. Its additional comparison must not be read as a second standard DSCR method.
| Measure | What it means | What to review |
|---|---|---|
| Funds available | Profit after tax plus depreciation and term-loan interest in the official example. | Apply the actual tax and cash-flow adjustments required for the assessment. |
| DSCR | Funds available divided by term-loan principal and interest. | Use the bank's required formula, commitments and repayment schedule. |
| Additional comparison | The supplied format also adds depreciation to the denominator. | This is not standard DSCR. Depreciation is not a cash loan instalment. |
Official references. Checked on 24 October 2026. Bank terms and asset rules vary. Confirm the terms that apply to your application.
Repayment schedule and depreciation account
Track the loan and asset separately. Interest depends on the loan terms. Depreciation depends on the chosen modelling basis and must not silently change between pages.
| Field | What it means | What to review |
|---|---|---|
| Loan schedule | Opening loan, principal paid, interest and closing loan. | The closing loan links to the next year's opening balance. |
| Depreciation account | Opening written-down value, depreciation and closing value. | Each year's asset value links to the following year. |
| Final review | Repayment, interest and depreciation carried to the other statements. | The same figures appear wherever the schedules refer to them. |
Official references. Checked on 24 October 2026. Bank terms and asset rules vary. Confirm the terms that apply to your application.
A format explains the structure
The tables explain which figures belong together. They do not supply borrower figures or replace the branch checklist. Finbees agrees the required schedules and period before quoting.
Mistakes to resolve before the report is signed
Income fitted to a ratio
Begin with the actual earning basis. If the projection cannot support the borrowing, review the loan or project.
Depreciation that changes between pages
Carry one chosen schedule through profitability, the cash-accrual statement and any alternative comparison.
Interest disconnected from the loan
Link interest to the agreed repayment method. A yearly principal model and a monthly EMI model will differ.
Working capital treated as a machine purchase
A term-loan projection is different from a working-capital assessment. CMA data means credit monitoring arrangement data; ask the branch which statements it needs.
How our reports work
We prepare your project report from the figures you give us and sign it as Finbees Consulting. It is a projection based on your own numbers. It does not promise loan approval and is not a CA-certified document.
If your bank branch asks for a CA or registered practitioner's certificate, tell us at the start so we can advise on the requirement.
A template helps organise the report. It does not provide evidence for the borrower's income, costs or contribution. We do not fill those gaps with invented numbers.
Finbees is not affiliated with any bank.
About the preparer
Finbees Consulting prepares the report. Its registered office is in Dharmapuri, Tamil Nadu. Iniyan is the Managing Partner.
Read about Finbees Consulting. For a meeting, use the confirmed Dharmapuri address on our locations page and contact the team before you travel.
Questions before you start
What is the difference between cost and means of finance?
Cost of project lists what the project will spend on the asset and other included items. Means of finance explains where that money comes from, such as your contribution and the requested term loan. The totals must agree. An unpaid gap needs a clear funding explanation before the projection is finalised.
How do you calculate DSCR in this report?
The calculator adds depreciation and term-loan interest back to projected profit before tax to derive the funds available under its simplified assumptions. It divides that amount by yearly principal plus interest. Tax, other debt and timing adjustments may change a bank's assessment. Ask the branch which numerator and repayment items it requires.
Why is depreciation shown in the additional comparison?
It follows the extra comparison in the supplied Finbees format. It is not the debt-service denominator shown in the official DSCR example linked here. Depreciation is not a cash loan instalment. We identify the comparison separately so it cannot be mistaken for the principal-and-interest ratio. Confirm the required formula with your branch before finalising a report.
Is the repayment schedule an EMI schedule?
The calculator on this site uses equal yearly principal repayments and yearly interest on the opening loan balance. It does not model monthly EMIs, daily interest or a repayment holiday. If your sanction terms use those features, the final report needs a repayment schedule that follows the actual terms rather than this simplified illustration.
Can I use a blank template as my final report?
A blank template only supplies the structure. Your final report still needs your project cost, supported income assumptions, costs, loan terms and consistent schedules. The bank may ask for a particular format or certificate. Ask about those requirements before using a template, and review every figure before you approve the completed report.