India Tax Adda

  A Detailed Project Report (DPR) is essentially your business’s resume. For PMEGP or MSME bank loans , the bank isn't just looking at your idea—they are looking at your ability to repay the debt. In 2026, banks have become increasingly focused on digital viability and sustainability. Here is the structured roadmap to creating a professional DPR that satisfies both the Khadi and Village Industries Commission (KVIC) and commercial banks. 1. Executive Summary & Promoter Profile This is the "elevator pitch." It should summarize everything in two pages. The Business: Name, constitution (Proprietorship/LLP/Pvt Ltd), and location. The "Why": Why this business? Why now? The Promoters: Your educational background and relevant experience. Banks love seeing that you actually know how to run the machine you're asking them to buy. 2. Project Cost & Funding Pattern This is a breakdown of every rupee you need. ...

  The standard filing windows for the three assessment years (AY) you mentioned have mostly closed. However, there are still ways to file using specific provisions like Updated Returns (ITR-U) or Condonation of Delay . Here is the current status and the available path for each year: Summary Table: ITR Filing Options (as of Feb 2026) Assessment Year (AY) Financial Year (FY) Status of Regular/Belated Return Current Filing Option AY 2025-26 FY 2024-25 Closed (Expired Dec 31, 2025) ITR-U (Opens April 1, 2026) AY 2024-25 FY 2023-24 Closed (Expired Dec 31, 2024) ITR-U (Available Now) AY 2023-24 FY 2022-23 Closed (Expired Dec 31, 2023) ITR-U (Available Now)   1. AY 2025-26 (Financial Year 2024-25) The deadline for filing a Belated Return for this year was December 31, 2025 . Since we are...

  Think of a project report as your business’s resume and a formal "first date" with a lender. Banks aren't exactly known for "vibes-based" lending; they need cold, hard evidence that your idea is more than just a dream. A well-crafted project report is the bridge between your vision and the capital needed to make it happen. Here is why it is absolutely critical for securing a bank loan. 1. The Ultimate Proof of Viability The bank’s primary concern is: "Does this business actually work?" A project report breaks down the technical and economic feasibility. Operational Blueprint: It shows you have a plan for production, location, and staffing. Market Reality: It proves there is actual demand for your product or service, preventing the bank from funding a "solution in search of a problem." 2. Demonstrating Repayment Capacity This is the heart of the report. Banks don't just want to give you money; t...