Documentation
DPR and CMA Data Preparation
Detailed Project Reports, projected financial statements, DSCR and break-even workings, CMA data, industrial land-allotment DPRs and year-wise subsidy calculations, prepared in the format banks and departments expect.
The Detailed Project Report is the single document that the bank, the DTIC, the land-allotting agency and, later, the claim all draw on. If it is written once, properly, with assumptions that are internally consistent and defensible, the rest of the project's paperwork follows from it. If it is written to impress, the first query exposes it.
We prepare DPRs and CMA data as a Chartered Accountant-led practice: the projections tie to the project cost, the ratios are computed the way the lender computes them, and the subsidy working is built on the same figures. Where the project needs a DPR for industrial land allotment through DIC or CSIDC, we prepare it to that format.
Problems this service addresses
- DPRs that describe the industry at length and the project's own numbers in a page.
- Projections that do not reconcile with the project cost, the loan schedule or the working capital limit.
- DSCR computed on a basis the bank does not use.
- CMA data in which past, current and projected years do not tie to the audited accounts.
- Land-allotment DPRs that fail the allotting agency's format and are returned.
- Subsidy workings that assume heads or rates the policy does not provide for that unit.
Scope of assistance
- Project cost and means of finance
- Promoter background and management
- Technical and operational assumptions: process, capacity, raw material, utilities, manpower
- Projected profit and loss, balance sheet and cash flow
- Working capital assessment
- DSCR, interest coverage, current ratio and debt-equity
- Break-even analysis where appropriate
- Sensitivity analysis
- CMA data in the lender's format
- Bank-specific documentation and annexures
- Year-wise subsidy calculations under the state policy
- DPRs for industrial land allotment through DIC or CSIDC
- Partnership deed, LLP agreement and company documentation for the project entity
Typical clients
- Promoters applying for a term loan
- Units applying for working capital or enhancement
- Applicants for industrial plots or sheds
- Units applying for state incentives
- Applicants under PMEGP, AIF and other schemes that require a project report
Eligibility and assessment factors
- Purpose of the report: bank appraisal, land allotment, scheme application or internal decision, since each reader weights sections differently.
- Stage of the project and the reliability of quotations and estimates available.
- Existing financial history for expansion cases.
- Lender's or agency's prescribed format and ratio benchmarks.
- Policy classification, where a subsidy working is included.
Documents and information usually required
- Promoter profiles and KYC
- Site details, land papers or allotment letter
- Quotations for machinery, building estimates, utility estimates
- Process description and capacity basis
- Raw material and product price basis
- Manpower plan
- Existing audited accounts and bank statements for expansion
- Proposed loan terms if already discussed with a lender
How the work proceeds
Assumption workshop
Capacity, prices, costs, manpower and utilities agreed with the promoter and tested for reasonableness.
Project cost and finance
Cost schedule built from quotations and estimates; means of finance with promoter contribution and debt sized to the lender's norms.
Projections and ratios
Statements and ratios prepared on the lender's basis; sensitivity run on utilisation and margin.
Narrative and annexures
The report written around the numbers, with the annexures each reader requires.
Review and delivery
Internal review for consistency; report delivered in the format required, with the workings available for queries.
Updates
Figures updated when quotations, loan terms or timelines change, across all dependent documents.
Common documentation issues we see
- Depreciation and interest computed on different asset and loan schedules than the project cost.
- Working capital margin not reflected in the means of finance.
- Capacity utilisation ramp inconsistent with the manpower and power assumptions.
- CMA data current-year estimates not updated for the audited figures just filed.
- Land-allotment DPR omitting the employment and investment schedule the agency scores.
Frequently asked questions
What is the difference between a DPR and a project report?
In practice the terms overlap. A DPR is the fuller document, with technical, financial and implementation detail; banks, DTIC and allotment agencies generally expect the DPR level.
Can you prepare CMA data for an existing unit's limit enhancement?
Yes. We reconcile the past years to the audited accounts, prepare the current-year estimate and the projections, and compute the limit on the lender's method.
Do you prepare DPRs for DIC or CSIDC land allotment?
Yes, in the format the allotting agency uses, with the investment, employment and implementation schedule it scores.
How long does a DPR take?
Typically one to three weeks once quotations and site details are available, depending on complexity.
Official references
- Chhattisgarh State Industrial Development Corporation (csidc.in)
- Department of Commerce and Industries, Government of Chhattisgarh (industries.cg.gov.in)
- Udyam Registration portal (udyamregistration.gov.in)
Official portals and notifications are the authority on current conditions. Links are provided for reference and may change.
Discuss your project requirements
Start with a structured review of the project, the financing, the applicable incentives and the approvals it will need.