1) PREPARATION OF PROJECT REPORT:-

A project report is simply a document that provides detail on the overall status of the project or specific aspects of the project's progress or performance. Regardless of the type of report, it is made up of project data based on economic, technical, financial, managerial or production aspects.

The DPR should include financial analysis like internal rate of return, break-even point, debt-service coverage ratio, sensitivity analysis, etc., using basic templates such as projected profit & loss account, projected balance sheet etc.

 

Introduction

It is the beginning stage for a report in regards to the activity. We need to explain in this segment about the Firm, its maker, its experience history, the undertaking for which the reserve was required, and how the assets gathered would be utilized. This is the preview of the point by point report on the activity. This ought to be arranged with proper consideration.

 

Promoter’s  Complete Detail

In this, you will have KYC Detail alongside their Educational Qualification, Job Experience, past involvement with taking care of any undertaking with its tributes and related records of total assets. Maker with high scores and solid net resources have a superior likelihood of having their undertaking acknowledged.

 

Techno Feasibility Report

In this, you have to give a review of the venture depicting the Industry's present circumstance in which you are going to begin your industry and the hardware that you are going to use to begin your business and how you are acquiring your capital merchandise, crude materials and how your task is managing industry rivalry to remain alive.

 

SWOT Analysis

Here, you may give your item's SWOT Comparison with Industry items that are as of now available. You will give legitimate consideration here with the goal that you can persuade the investor to help their financing for the undertaking.

 

Location of Project and Offices Accessible

In this, you give an exhaustive depiction of the venture area, open foundation offices, for example, street transport, power gracefully, lawfulness condition, specialist get to, crude material conveyance system, and crude item and completed items storeroom.

 

Manufacturing Process

The gear and crude material required for creation must be introduced in detail here. Give subtleties of the creation blend, if conceivable. Give the subtleties as a stream diagram where achievable.

 

Licenses Applicability

In this section, we need to provide information of the licenses required to start the industry, and the issuance and renewal time required there.

 

Means of Financing

You have to provide information on how the project will be funded, how much capital the creator will invest, and how much financing the bank will provide.

 

The financial expense of Project

This is the biggest part of the report on the task. Subsequent to clarifying the task, its forecast by SWOT Analysis, presently we should give a balance sheet report on the expense of the undertaking and its parts, for example, land costs, gear costs, and so on. This cost must be more than the financing we need from the banks for a venture.

 

Profitability Statement

We have to concentrate now on the income and benefit some portion of the undertaking. Here we have to give a point by point investigation of our business procedure, anticipated deals, related expenses and expected benefit that we will acquire and how we will reimburse the bank's advance and premium sum.

 

 

 

 

2) PREPARATION OF CMA DATA / REPORT:-

CMA Report also known as Credit monitoring arrangement report is the report showing the financial performance of the Company and its projections for the upcoming years. Bankers analyze these numbers and few ratios based on which the loan is sanctioned.

CMA report also known also is known as Credit Monitoring Arrangement report is the report showing the projected performance and the past performance of a business in financial terms. It is compiled with all the required financial ratios and metrics to help Financial Analysts and Bankers to ascertain the financial health of a business.

 

Most of the Banking and Financial Institution request the applicant (Business Loan Applicant) to prepare a Credit Monitoring Arrangement report (CMA report) in order to understand the flow and application of funds in a business. A CMA report which is professionally prepared can enhance the chances of obtaining a bank loan.

 

Under the Credit Monitoring Arrangement (CMA), banks have been permitted for sanctioning credit proposals (of large borrowers) after detailed analysis of the past performance. There is another requirement for the Banks.

It covers the following statements:

Particulars of current & proposed limits

The first statement in the Credit Monitoring Arrangement (CMA) report states about the existing fund & non-fund based credit limits, their usage limits and history. In addition to this, the statement also contains the proposed or applied limit of the borrower. This document is a basic document which is to be provided by the borrower to the banker.

Operating statement

This is the second statement which indicates the borrower’s business plan showing the Current Sales, profit before & after tax, sales projections, direct & indirect expenses, and profit position for 3 to 5 years. These requirements are case to case specific on the basis of the borrower’s working capital request. This is a scientific analysis of existing & projected profit-generating capacity of the borrower.

Analysis of Balance sheet

This is the third statement in the CMA data, this statement contains an analysis of the current & projected financial years. It helps in providing a comprehensive analysis of current & non-current assets, current & non-current liabilities and cash & bank position of the borrower. This statement also specifies the net worth position of the borrower for the future projected years. As the name says, it is the analysis of the Balance sheet and gives a complete picture of the financial position of the borrower.

Comparative statement of Current Asset & Current liabilities

This is the fourth statement which provides the comparative analysis of the movement of the current assets & liabilities. Basically, this analysis helps to decide the capacity of the borrower to meet the working capital requirements and the actual working capital cycle for the projected period.

Calculation of Maximum Permissible Bank Finance (MPBF)

This is the fifth statement and a very important one. This includes a calculation which indicates the Maximum Permissible Bank Finance. It shows the borrower’s capacity to borrow money.

Fund flow statement

The next statement is the Fund flow analysis for the current & projected period. In this analysis, it indicates the fund position of the borrower with reference to the projected balance sheets and MPBF (Maximum Permissible Bank Finance) calculations. The main objective of this statement is to capture the movement of the fund for the given period.

Ratio analysis

This is the last statement in Credit Monitoring Arrangement report (CMA report) which provides key financial RATIO  for the Financial Analysts and Bankers use. The basic key ratios are GP (Gross profit) ratio, Net profit ratio, Current ratio, Quick ratio, Stock turnover ratio, Net worth, the ratio of Net worth to Liabilities, DP limit, MPBF, Asset turnover, Current asset turnover, Working capital turnover, Fixed asset turnover, Debt-Equity ratio etc.

3) HOME LOAN

 

4) LIFE INSURANCE – LIC OF INDIA

 

5) HEALTH INSURANCE

 

6) GENERAL INSURANCE