Project Report

CMA & Bank Loan — Projected Financial Statements & Analysis

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Balveer Singh & Associates
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G General Particulars

Full legal name as per PAN card
City or town
Auto-filled with today

P Proposal Details Summary

As per PAN records
As per Aadhaar
10-character alphanumeric PAN
General, OBC, SC, ST or EWS
Legal structure of your business
Registered or trade name of business
What does the business do? Be specific
Full address with pin code
Ownership status of business premises
10-digit mobile number
Valid email for communication
Total jobs to be created
Background of the entrepreneur, why this business, key objectives
Who manages the business, team strength, roles
Market demand, competition, location advantages, machinery details

P Project Cost & Means of Finance

Total cost of all machinery, equipment & furniture
Margin money for day-to-day operations
Auto-calculated: Machinery + Working Capital
Your own funds / equity you're putting in
Bank loan amount you're applying for
Government subsidy (CGTMSE, PMEGP, etc.)
Subsidy percentage as per scheme
How bank treats the subsidy amount
Expected year of subsidy credit

S Sales & Capacity Utilisation

Auto-suggested: Project Cost × Multiplier. Edit to override.
Sales as multiple of project cost (industry avg: 3x–6x)
Year 1 capacity utilisation
Year 2 capacity utilisation
Year 3 capacity utilisation
Year 4 capacity utilisation
Year 5 capacity utilisation

E Expense Estimates (% of Turnover)

% of turnover spent on staff salaries
% of turnover for raw material / purchase cost
% of turnover for transport / logistics
% of turnover for machinery upkeep
% of turnover for marketing / ads
% of turnover for office / admin expenses
% of turnover for CA / lawyer fees
% of turnover for other expenses
Number of workers / staff
Monthly salary per worker

W Working Capital Assumptions Auto-suggested

Average amount customers owe you (receivables)
Average inventory held at any time
Amount you owe your suppliers (payables)
Annual growth rate for working capital needs
Values auto-suggested based on turnover. Edit manually to override.

L Loan & Financing Details

Annual interest rate charged by the bank
Grace period with no EMI (0–12 months)
Total repayment period (36–120 months typical)
Yes = tenure starts after moratorium ends
Leave blank — auto-calculated from loan terms
Annual owner withdrawal in Year 1
% increase in drawings each year

I Sign & Seal Digital

CA/Consultants pay ₹299; direct customers pay ₹499
Your CA firm name — appears on the report
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Prepared By: Balveer Singh & Associates, Business & Tax Consultants
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