Loan Recovery Software, Project Report for Bank Loan & CMA

Eight modules

Pick a module. Everything's inside.

Each card is a complete workspace — related facilities grouped together, ready to use.

RecoveryPro

Loan Recovery Tracking

For recovery agencies of banks, NBFCs & SFBs

7 facilities

MSME / Agri / Corporate

Appraisal & credit assessment

4 facilities

Retail loans

Personal & consumer lending

4 facilities

Trade finance

Import, export & guarantees

3 facilities

Statements

Cash flow, stock & seasonal budgets

10 models

Financial Model

Loans, projects & business models

5 facilities

Investment solutions

Savings & goal planning

5 pages

Help & resources

Guidance, disclaimer & privacy

1. Client and project

Name of the unit

Promoter(s)

Constitution

Sector

Activity / product

Address of project site

Project type

Location

Social category

Promoter qualification & experience

Woman entrepreneur

Repaid an earlier Mudra Tarun loan

Financing bank & branch

Report date

Chartered Accountant

Firm & FRN

Membership no. / UDIN

Report format

2. Plant and machinery (the only part that changes per project)

Machine / equipment and specification	Supplier / quotation	Qty	Rate (₹ lakh)	Amount

Rates excluding GST where input credit is available. Attach quotations to the report.

3. Other fixed assets

Land (₹ lakh)

Building / civil / shed / fit-out (₹ lakh)

Furniture, electricals & office equipment

Preliminary & pre-operative expenses

Contingency (% of building + P&M)

4. Capacity, sales and means of finance

Installed capacity (description)

Sales at 100% capacity (₹ lakh / year)

Capacity utilisation year 1 (%)

Increase per year (%)

Maximum utilisation (%)

Selling price increase per year (%)

Fixed cost increase per year (%)

Term loan applied (₹ lakh)

Working capital limit (CC/OD, ₹ lakh)

Unsecured loans from promoters/relatives

Unsecured loans subordinated (quasi-equity)

Capital subsidy, credit-linked (₹ lakh)

5. Operating costs (% of sales)

Raw material / purchases (variable)

Power & fuel (variable)

Consumables, repairs (variable)

Selling & distribution (variable)

Wages & salaries (fixed, % of capacity sales)

Rent, admin, insurance (fixed, % of capacity sales)

Minimum fixed cost (₹ lakh / year)

6. Working capital cycle (days)

Raw material / stock holding

Finished goods holding

Debtors (credit to buyers)

Creditors (credit from suppliers)

7. Loan terms, depreciation and tax

Term loan interest (% p.a.)

Working capital interest (% p.a.)

Tenure incl. moratorium (months)

Moratorium (months)

Depreciation building (WDV %)

Depreciation P&M (WDV %)

Depreciation furniture (WDV %)

Income-tax rate (%)

Drawings (₹ lakh / year)

8. Collateral security

Market value of collateral offered (₹ lakh)

Description of collateral

9. General Bank's norms

Current ratio, minimum

Debt-equity, maximum

TOL/TNW, maximum

Adjusted TOL/TNW, maximum

Average DSCR, minimum

Any-year DSCR, minimum

Break-even, max % of capacity

Promoter margin, minimum % of project cost

Collateral cover where no guarantee cover (% of loan)

10. Peer comparison

Peer companies (one per line)

Data source

Peer EBITDA margin %

Peer PAT margin %

Peer current ratio

Peer debt-equity

Peer TOL/TNW

Peer sales / net fixed assets

Defaults are indicative sector medians. Replace them with ratios of 3–5 listed peers from Screener.in, Moneycontrol or CMIE Prowess before filing.

11. SWOT analysis and market

Strengths (one per line)

Weaknesses

Opportunities

Threats

Market notes from research (demand, prices, competitors)

12. Statutory licences & approvals

List changes with the industry. Tick what the client already holds; the rest show as "to be obtained" in the report.

Other licences / approvals (one per line)

13. Credit appraisal note (total loan above ₹10 lakh)

Leave a box blank where it does not apply — the report writes "Not applicable" or fills it from the projections.

Account profile

CIN (companies / LLP)

LEI (wherever applicable)

GSTIN

PAN

Group

Date of incorporation / establishment

Dealing with your bank

Dealing with your bank since

Credit facility from your bank

Credit facility from your bank since

If new account: present bankers

Banking arrangement

MBA / consortium details (banks and shares)

Purpose of the loan

Delegated (sanctioning) authority

Registered / administrative office

Details of present facilities (one per line: facility — limit — outstanding — status)

Background and business

Background of the concern

Background of promoters / directors / partners

Present request (leave blank to write it from the loan amounts)

Business model (how the unit buys, makes and sells)

Capital structure and group

Authorised capital (₹ lakh)

Issued & subscribed (₹ lakh)

Paid-up capital (₹ lakh)

Book value per share (₹)

Market price NSE/BSE (₹)

Shares pledged by promoters (%)

Shareholding pattern (one per line: holder — %)

Significant change in shareholding (explain)

Partnership firm: capital by each partner (one per line)

Original investment in P&M of existing unit (₹ lakh)

Latest financials of sister concerns (one per line: name — year — sales — PAT — TNW)

Source of promoter capital

Last audited year (existing units)

Financial year (e.g. 2025-26)

Net sales

Net profit

Paid-up capital

Reserves & surplus

Long-term liabilities

Net block

Other non-current assets

Current assets

Current liabilities

Review of existing term loans (conduct, overdue, restructuring)

Peer industry holding levels (days)

Raw materials

Stock in process

Finished goods

Stores & spares

Receivables

Sundry creditors

Project implementation schedule (leave blank to auto-fill)

Land / site possession

Civil works complete

Machinery ordered

Machinery delivered & installed

Trial run

Commercial operation

Non-fund based limits

Letter of credit limit (₹ lakh)

Bank guarantee limit (₹ lakh)

BG type

Cash margin (%)

Tenure (months)

Purpose of NFB limits

Major beneficiaries

Security

Prime security — mortgage (property, owner, area, value, valuer, date)

Prime security — other than mortgage (leave blank to auto-fill)

Passport details of promoters / guarantors (only for limits of ₹50 crore and above)

Risk, exposure and capital cost

Credit risk (blank = auto from DSCR, security)

Management risk

Market risk

Operational risk

Other risk as per industry

Exposure details from your bank (existing + proposed)

Risk weight % (0 = auto)

CRAR incl. CCB (%)

Run every credit workflowfrom one platform.

Pick a module. Everything's inside.

Loan Recovery Tracking

MSME / Agri / Corporate

Retail loans

Trade finance

Statements

Financial Model

Investment solutions

Help & resources

Ready to prepare your next project report?

Start with the loan amount

Account profile

Background and business

Capital structure and group

Last audited year (existing units)

Peer industry holding levels (days)

Project implementation schedule (leave blank to auto-fill)

Non-fund based limits

Security

Risk, exposure and capital cost

Retail loans

Documents required

EMI calculator

Loan amount from income (FOIR)

Compare loan offers

Trade finance

Letter of credit limit

Bank guarantee limit

Packing credit (pre-shipment)

Post-shipment credit / bill discounting

Statements

Projected cash flow statement

Quick drawing power

Seasonal cash budget (peak deficit method)

What-if on the current project

Investment solutions

SIP calculator

Lump sum calculator

Fixed deposit calculator

Recurring deposit calculator

Goal planner

Help, disclaimer & privacy

How to prepare a project report

Disclaimer

Privacy policy

Terms of use

About & contact

Check your project's loan viability in 2 minutes

Total project cost & promoter contribution

Expected monthly revenue & operating expenses

Market validation & customer readiness

Borrower credit & banking track record

Loan security / collateral or scheme backing

Promoter's prior experience or qualification to run the unit

Stock & book-debt statement

Deductions from stock

Cash flow statement — month-wise

Step 1 — For how many months?

Seasonal cash budget — month-wise

Step 1 — For how many months?

Step 2 — Peak season months

Financial models

Model inputs

Chart

Calculation

Loan recovery tracked at one place

Track every recovery, end to end

RBI-aligned controls

Everything a recovery agency does every day

Made for agents in the field

What the agency owner sees from the office

How it works

Common questions

Ready to set up your agency?

Contact RecoveryPro

Start a new unit — capital & viability check

1 Which unit do you want to start?

2 About you and your place

Admin — new unit calculator

Run every credit workflow
from one platform.