Project report guide · PMEGP

PMEGP project report: format, contents and documents

The PMEGP guidelines do not prescribe a fixed project report format. The project report is one of the documents uploaded with the online application (para 11.6), KVIC has put more than 400 industry-wise sample DPRs on the PMEGP portal (para 15.2), and the bank appraises the project technically and economically before it decides (para 11.13).

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PMEGP: applications paused

PMEGP was approved for 2021-22 to 2025-26. When we checked on 20 October 2026, both the PMEGP 2.0 portal (pmegp.msme.gov.in, launched in June 2026) and the older portal said fresh application submission is presently unavailable and will be enabled once the continuation of the scheme, with revised guidelines, is approved. Until it is, treat new applications as closed and do not prepare one. We will update this page when the portal reopens.

Checked again on 26 October 2026: the PMEGP 2.0 portal still says fresh application submission is presently unavailable and will be enabled once the continuation of the scheme, with revised guidelines, is approved.

Is there a prescribed PMEGP project report format?

What the report must get right are the scheme's own rules: what the cost of project may include, how it is financed, and the documents that go with it.

The margin money (subsidy) and the project cost limits, as on the PMEGP scheme page: 15–35% subsidy on project cost up to ₹50 Lakh (Mfg) / ₹20 Lakh (Service).

What the report must follow for PMEGP

A project without capital expenditure is not eligible for finance under the scheme. (para 4.1, other eligibility conditions (i))
The cost of land is not included in the project cost. A ready-built shed, or a long-lease or rental workshed or workshop, may be included, counted for at most three years. (para 4.1, other eligibility conditions (ii))
Capital expenditure is financed as a term loan and working capital as cash credit, or the bank gives a composite loan covering both. (para 8.2)
Working capital may not be more than 40% of the project cost for a manufacturing unit, or 60% for a service or trading unit. (para 8.3)
The bank sanctions 90% of the project cost for a general-category applicant and 95% for a special-category applicant; the rest is the applicant's own contribution. (para 8.1)
Repayment is spread over 3 to 7 years after an initial moratorium, at the normal rate of interest. (para 8.4)
For a project above ₹10 lakh in manufacturing, or above ₹5 lakh in business or service, the applicant must have passed at least class VIII. (para 4.1)

Documents uploaded with the application

As listed in para 11.6 of the guidelines; the applicant's Aadhaar is authenticated before the form is filled (para 11.5).

Caste certificate
Special category certificate, where required
Rural area certificate
Project report
Education, EDP or skill development training certificate
Any other applicable document

How it is screened and appraised

The implementing agency forwards an application to the bank only above a minimum score (para 11.9):

Project cost	Minimum score
Project cost up to ₹10 lakh	50 out of 100
Project cost above ₹10 lakh	60 out of 100

The bank then takes its own credit decision on the viability of the project, checking among other things (para 11.13):

The industry
Per capita investment
Own contribution
Rural area
The negative list of activities (para 30 of the guidelines)

EDP training

The prescribed Entrepreneurship Development Programme (EDP) training is mandatory before the bank releases the loan, and for claiming the margin money. (paras 11.14 and 13.1)
It can be taken any time after the application is submitted, without waiting for the loan sanction. (para 11.15)
It lasts at least 5 days for a project up to ₹5 lakh and at least 10 days above that; it is not mandatory for a project up to ₹2 lakh. (para 13.1)
The applicant gives the bank the own contribution and the EDP certificate within 30 working days of being told of the sanction. (para 11.16)

The 24 sections of a bank-format report

This is the layout our free DPR builder follows, not a format PMEGP prescribes. It covers what a bank asks of any term-loan project; keep the PMEGP rules above in the cost of project and the means of finance.

The project and the promoter

Project at a Glance · Promoter & Enterprise Profile · The Project · Industry Overview · Products and Process · Raw Materials and Utilities · Market and Marketing Strategy · Location and Infrastructure · Implementation Schedule

The money

Cost of Project · Means of Finance · Key Assumptions · Projected Profitability Statement · Term Loan Repayment Schedule · Depreciation Schedule · Projected Cash Flow Statement · Projected Balance Sheet · Debt Service Coverage Ratio · Break-Even Analysis · Key Financial Indicators

Risks, approvals and support

SWOT Analysis · Statutory Approvals and Registrations · Applicable Government Incentives · Conclusion

Questions about the PMEGP project report

Is there an official PMEGP project report format?

No fixed format is prescribed in the PMEGP guidelines. The project report is uploaded with the online application (para 11.6), and KVIC has put more than 400 industry-wise sample DPRs on the PMEGP portal (para 15.2). The bank appraises the project technically and economically (para 11.13).

Can the cost of land be shown in a PMEGP project cost?

No. The guidelines say the cost of land is not included in the project cost. A ready-built shed, or a long-lease or rental workshed, may be included, counted for at most three years (para 4.1).

How much working capital can a PMEGP project report show?

Not more than 40% of the project cost for a manufacturing unit, and not more than 60% for a service or trading unit (para 8.3).

Which documents are uploaded with a PMEGP application?

The guidelines list the caste certificate, a special category certificate where required, a rural area certificate, the project report, the education, EDP or skill development training certificate, and any other applicable document (para 11.6).

Can I apply for PMEGP now?

Not at the moment. The PMEGP portal says fresh application submission is presently unavailable until the continuation of the scheme, with revised guidelines, is approved. A project report prepared now can be used for a bank loan or another scheme, and updated if PMEGP reopens.

Read on 26 October 2026: PMEGP guidelines, Ministry of MSME O.M. No. PMEGP/UdhyamReg./01/2023 dated 7 December 2023 · PMEGP 2.0 portal, Ministry of MSME