Frequently Asked Questions

Yes. Our document formats strictly follow Credit Monitoring Arrangement (CMA) guidelines and project report requirements set by the Reserve Bank of India (RBI). They are widely accepted by public sector banks, private commercial banks, regional rural banks (RRBs), and cooperative banks across India.

Absolutely! Our reports are optimized and fully formatted for government schemes including MUDRA (Shishu, Kishore, Tarun), PMEGP, CGTMSE, Stand-Up India, and general MSME business loans.

No. MudraReady is a project report builder software. We do not perform credit queries, run background checks, or access your CIBIL score. However, note that your lending bank will evaluate your CIBIL score independently when you submit your loan application.

Yes, our smart calculation engine supports all three primary business types: Manufacturing (e.g. food processing, manufacturing units), Trading (e.g. wholesale, retail shops), and Services (e.g. salons, clinics, consulting agencies), customizing the financial inputs and balance sheets accordingly.

The Lite Report (₹399) is ideal for smaller loan applications (up to ₹5 Lakhs, e.g. Mudra Shishu or Kishore) and provides essential project calculations. The Pro Report (₹799) includes the full CMA report, MPBF calculations (Tandon Method II), ratio analysis, sensitivity analysis, 5-year projections, EMI schedules, and visual charts required for larger or highly detailed bank appraisals.

Yes! Once you purchase a report, you can edit your inputs and regenerate the report from your dashboard. Our platform allows adjustments to help you align with your bank's feedback.

No. You don't need Excel, Tally, or any specialized accounting knowledge. Our wizard guides you step-by-step, asking simple questions about your business, and our smart engine does all the math automatically.

None! MudraReady is self-service. You do not need to scan or upload any tax returns, bank sheets, or personal IDs. You simply fill in the numbers (like estimated sales, machine costs, rent, etc.) in the fields provided, and our system generates the balanced reports.

Currently, reports are delivered as print-ready, secure PDF files to ensure formatting remains pristine and bank-compliant. For CAs and professional plan subscribers, we provide structured data views on the dashboard for manual adjustments.

Reports are calculated based on the starting financial year you choose during configuration. They are valid for bank submission throughout that financial cycle. If your bank requests a roll-over of projections to the next fiscal year, you can edit your project launch date on the dashboard and regenerate it instantly.

Yes. Our engine automatically calculates depreciation using the Written Down Value (WDV) method based on official Income Tax block rates (e.g., 15% for general machinery, 10% for buildings, 40% for computers), ensuring standard regulatory compliance.

You can enter your lending bank's specific annual interest rate (e.g. 9.5%, 11%) in our wizard. The system then automatically constructs a precise amortized monthly EMI table covering the entire duration of the loan.

Yes! Our MudraReady Pro report is equipped with full CMA projections and working capital ratios that support commercial loan applications up to ₹1 Crore or more. For much larger industrial projects, contact our enterprise support.

Reports are processed instantly. Once checkout is complete, your download link is displayed immediately on the screen, and a copy of the PDF report is delivered to your registered email address within 5 to 10 minutes.

Yes, security is our top priority. We use bank-grade 256-bit SSL encryption to protect all your inputs. Your business details are used solely to generate your report and are never shared with third parties.

Due to the instant, digital nature of report generation, we cannot offer refunds for completed reports. However, we do offer free, unlimited modifications so you can update and regenerate your report based on bank feedback.