Projected Balance Sheet for Bank Loan
Online Preparation ServiceGet a professionally prepared projected balance sheet for business loans, MSME finance, cash credit limits and working capital. Easy Return prepares financial projections using your business information and reasonable assumptions.
Financial statements are prepared according to the agreed scope and available information.
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Balance Sheet Service
Over 15,000 businesses have secured their bank loans with our professionally prepared financial projections.
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Our format is accepted by SBI, PNB, HDFC, Canara Bank, Union Bank, and all major NBFCs across India.
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Projections tailored to your specific business type, loan amount, and bank requirements — not templates.
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Fill Enquiry Form
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Document Collection
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Expert Preparation
Our CA prepares customized projections aligned with your loan.
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Loan Types Covered
What Is a Projected Balance Sheet?
A projected balance sheet is a financial statement that estimates a business's future assets, liabilities and owner's equity using financial assumptions and expected business activity.
Projected Balance Sheet Meaning
A Projected Balance Sheet shows the expected financial position of a business at a specified future date. Unlike a historical balance sheet, which presents actual financial information for a past reporting date, a projected balance sheet uses reasonable assumptions about future business performance.
These assumptions may include expected sales, expenses, purchases of fixed assets, inventory requirements, business loans, repayment schedules and working capital needs.
For example, a business planning to obtain a bank loan may prepare projected balance sheets for the next three or five years, depending on the lender's requirements and the purpose of the financing.
आसान शब्दों में, projected balance sheet बताती है कि भविष्य में आपके व्यवसाय की अनुमानित आर्थिक स्थिति कैसी हो सकती है।
Three Main Components of a Projected Balance Sheet
1. Projected Assets
Assets are the resources a business expects to own or control in the future. These may include machinery, buildings, inventory, receivables, cash and bank balances.
2. Projected Liabilities
Liabilities represent expected financial obligations, including term loans, working capital borrowings, trade payables and other outstanding payments.
3. Projected Equity
Equity represents the expected net interest of owners in the business. It may include owner's capital, accumulated profits and reserves, after applicable adjustments.
A correctly prepared projected balance sheet must maintain this accounting equation for every forecast year.
Simple Example of a Projected Balance Sheet
Suppose a small business expects to own assets worth ₹30 lakh at the end of the next financial year. Its projected financial obligations total ₹18 lakh.
Based on the accounting equation, its projected owner's equity would be ₹12 lakh.
Why Does a Bank Need a Projected Balance Sheet?
Banks and financial institutions may request projected balance sheets to understand a borrower's expected financial position, asset base, liabilities, working capital requirements and borrowing structure.
These projections can form part of a bank loan application, business project report or financial assessment. Banks may also examine projected profit and loss, cash flow and repayment capacity alongside the projected balance sheet.
Important: A projected balance sheet is based on assumptions and is not a guarantee of future financial results or bank loan approval. The lender determines its acceptable format and supporting requirements.
When Do You Need a Projected Balance Sheet?
A projected balance sheet is useful whenever a business needs to estimate its future financial position. Banks and financial institutions may request projected financial statements to evaluate borrowing requirements, financial stability and repayment capacity.
1. Business Loan Application
When applying for a business loan, lenders may require projected assets, liabilities and owner's equity to understand the expected financial position of your business.
Business Finance2. Cash Credit (CC) Limit
Businesses applying for a cash credit limit may need projected financial statements showing expected inventory, trade receivables, current liabilities and working capital requirements.
Cash Credit Facility3. Working Capital Finance
A projected balance sheet can help explain how much funding a business may need to manage inventory, customer credit, supplier payments and daily operations.
Operational Funding4. Machinery & Term Loans
Businesses purchasing machinery, vehicles or equipment may need projections showing new fixed assets, proposed borrowings, repayment schedules and future business capital.
Fixed Asset Finance5. MSME Loan Applications
Micro, small and medium enterprises may prepare projected balance sheets for MSME loans, business expansion, new production capacity or working capital financing, depending on lender requirements.
MSME Financing6. Startups & Business Expansion
New and growing businesses may use projected financial statements to estimate future investment, liabilities, cash needs and changes in owner's equity before seeking funding or making expansion decisions.
Financial PlanningHow Many Years of Projected Balance Sheets Are Required?
The number of projected years depends on the loan product, bank's documentation requirements and repayment period. Common planning scenarios include:
Short-Term Forecast
May be used for internal planning or a short-term financial assessment.
Business & Working Capital
May be requested for business loans, cash credit assessments or working capital projections.
Long-Term Financing
Longer projections may be needed for term loans, machinery finance or projects with extended repayment periods.
Does Every Bank Require the Same Projection Period?
No. Every lender can specify its own documentation, projected years and financial statement format. The exact requirements may also differ between business loans, CC limits and term loans.
For example, SBI's commercial loan documentation refers to projected balance sheets for the next two years in certain working-capital cases and for the loan period in certain term-loan cases. This should not be treated as a universal requirement for every bank.
Official reference: SBI — Commercial Loan Documentation FAQs .
Key Takeaway: Whether you need a projected balance sheet for a bank loan, working capital, CC limit or future business planning, the projections should reflect realistic financial assumptions and the lender's requirements. A projected statement supports financial assessment but does not guarantee loan approval.
What Is Included in Our Projected Balance Sheet Preparation Service?
Easy Return helps businesses prepare forward-looking financial statements using available business information and reasonable assumptions. The preparation covers the financial information needed to present an estimated future balance sheet, with the exact scope determined by your business and lender requirements.
1. Projected Assets
Expected future balances of fixed assets, inventory, trade receivables, cash, bank balances and other relevant business assets.
2. Projected Liabilities
Expected term loans, working capital borrowings, trade creditors and other liabilities based on your financing plans and business operations.
3. Owner's Capital & Equity
Expected owner's capital, reserves and retained earnings, reflecting planned investments, drawings and changes in business profitability.
4. Working Capital Estimates
Forecast inventory, receivables, payables and other current balances used to understand anticipated working capital requirements.
5. Loan & Repayment Assumptions
Consideration of proposed business borrowing, expected loan balances and planned repayments when preparing the projected financial position.
6. Year-Wise Financial Projections
Projected financial positions for the agreed forecast years, helping illustrate expected changes in assets, liabilities and owner's equity.
What Does Professional Preparation Involve?
A useful projected balance sheet requires more than placing numbers into an Excel template. The preparation process should consider financial assumptions, consistency and the purpose of the projections.
Review of the business information and financial records provided for preparation.
Identification of relevant assumptions for the forecast period.
Projection of relevant asset, liability and equity balances.
Consideration of proposed loans, working capital and financing assumptions.
Verification that projected assets equal projected liabilities plus equity.
Preparation of the agreed year-wise projected balance sheet statement.
For Existing Businesses
Existing businesses may use historical financial statements, current account balances, sales trends and borrowing details as a starting point for future projections.
The assumptions should reflect expected operating changes rather than treating past financial performance as a guaranteed future result.
For New Businesses & Startups
Where historical financial statements are unavailable, projections may be based on the proposed business model, investment plan, expected sales, expenses and funding assumptions.
These assumptions should be documented clearly because forecast figures are not supported by a complete operating history.
Important: Service Scope & Certification
Easy Return provides professionally prepared projected financial statements. This service does not include CA certification, UDIN, an audit opinion or an assurance report.
A bank may request additional documents such as projected profit and loss statements, cash-flow forecasts, CMA data, financial ratios or professional certification. These should not be assumed to be included automatically in the projected balance sheet preparation package.
The final number of years, supporting schedules, accepted format and other requirements should be confirmed before preparation. Loan approval remains solely at the lender's discretion.
How to Prepare a Projected Balance Sheet
Preparing a projected balance sheet for a bank loan involves forecasting how your business's assets, liabilities and owner's equity may change over time. The process should use available financial records, clearly documented assumptions and consistent calculations.
Collect Historical Financial Records
Begin with the latest available balance sheet, profit and loss statement, bank information and business accounts.
Review opening assets, outstanding loans, current liabilities, owner's capital and other financial balances.
Define the Projection Period and Assumptions
Decide whether the statement needs one, three, five or another number of projected financial years, based on the planning purpose or lender's requirements.
Record assumptions about revenue growth, customer collections, supplier payments, capital investment, expenses and financing.
Forecast Sales, Expenses and Business Profit
Estimate future revenue and operating expenses to determine projected profit or loss. Consider business growth, cost changes, financing costs and applicable depreciation.
These estimates can support the projected profit and loss statement, which influences future owner's equity.
Project Fixed Assets and Depreciation
Forecast expected machinery, equipment, furniture, vehicles and other relevant fixed assets.
Consider planned purchases, disposals and depreciation to calculate future carrying values.
Calculate Projected Working Capital
Forecast inventory, trade receivables, payables and other current balances based on anticipated business operations.
Consider how quickly customers pay, how long inventory remains unsold and when suppliers must be paid.
Forecast Loans and Repayments
Consider existing borrowings, proposed term loans, cash credit facilities, loan repayments and other financing plans.
Project the outstanding borrowing balance at the end of each forecast year.
Estimate Owner's Capital and Equity
Calculate projected owner's equity using opening capital, expected retained profits, additional contributions, drawings and other relevant adjustments.
The treatment depends on the legal structure of the business.
Prepare and Reconcile the Final Statement
Combine forecast assets, liabilities and equity into the projected balance sheet for each required year.
Check the accounting equation and reconcile changes with profit, cash-flow, borrowing and capital assumptions.
How a Projected Balance Sheet Connects with Other Financial Statements
A reliable projected balance sheet should be consistent with other relevant financial projections. Depending on the purpose, preparation may require supporting calculations or schedules.
Projected Profit & Loss
Forecast profitability influences retained earnings and future owner's equity.
Cash-Flow Forecast
Expected collections, payments and financing movements help explain projected cash balances.
Loan Repayment Schedule
Planned principal repayments affect future borrowing balances and cash flow.
What Information Is Used for Financial Projections?
The exact information varies by business type, but the following inputs commonly support projected balance sheet preparation.
Latest available financial statements and opening balances
Expected revenue, business growth and cost assumptions
Inventory, receivables and supplier-payment assumptions
Existing business loans and proposed borrowing details
Fixed-asset purchases, disposals and depreciation assumptions
Capital contributions, drawings and retained profit estimates
Important: Financial Projections Are Based on Assumptions
A projected balance sheet illustrates a possible future financial position based on stated assumptions. Actual business performance may differ from the projections.
Professional preparation does not automatically constitute auditing, certification or assurance. Easy Return's standard service is for professionally prepared projected statements, without CA certification or UDIN.
The bank may require additional documents or prescribe a specific format. Preparation does not guarantee financing approval.
Projected vs Estimated vs Provisional Balance Sheet — What's the Difference?
Banks may ask for projected, estimated or provisional balance sheets when reviewing a business loan. These documents serve different purposes, even though all of them describe a business's financial position. Understanding the difference helps you prepare the right document.
1. Projected Balance Sheet
A projected balance sheet presents the expected financial position of a business at a future date using financial assumptions about sales, expenses, investment, borrowing and working capital.
It is commonly prepared for future financial years, business expansion, loan appraisal or financial planning.
2. Estimated Balance Sheet
An estimated balance sheet commonly presents an expected financial position for an ongoing accounting period, using available actual figures along with estimates for the remaining period.
For example, a business may estimate its financial position at the end of the current year before the year closes.
3. Provisional Balance Sheet
A provisional balance sheet is a preliminary statement prepared from financial records for a period that has already occurred, before the accounts are fully finalised.
It may be based on available ledger balances and remain subject to adjustments, verification or audit.
Projected vs Estimated vs Provisional Balance Sheet — Comparison
| Comparison | Projected | Estimated | Provisional |
|---|---|---|---|
| Time Period | Future period or future financial date | Usually the current, incomplete financial year | Period already elapsed, before finalisation |
| Main Basis | Financial assumptions and expected business developments | Actual figures to date plus remaining-period estimates | Available accounting records and preliminary balances |
| Main Purpose | Forecast future assets, liabilities and equity | Estimate year-end financial position | Present preliminary financial position before final accounts |
| Example | Balance sheet forecast for FY 2027–28 | Expected closing position for FY 2026–27 | Available unaudited position as of 30 September 2026 |
| Bank Loan Use | Future borrowing and financial planning | Current-year loan assessment | Recent financial position and performance review |
| Are Figures Final? | No — forward-looking assumptions | No — partly estimated | No — subject to finalisation |
Which Balance Sheet Might a Bank Ask For?
Applying for a New Business Loan
A lender may request projected balance sheets showing expected assets, liabilities and business capital over the proposed financing period.
Applying During the Current Year
A bank may request an estimated balance sheet for the current financial year alongside historical statements and future projections.
Previous Accounts Not Yet Finalised
A bank may accept or request a provisional balance sheet based on available records while final accounts or audit work remain incomplete.
Can Estimated and Projected Balance Sheets Mean the Same Thing?
In some banking and accounting contexts, the terms estimated and projected are used interchangeably. However, an estimated balance sheet often relates to the current financial year, while projected financial statements commonly cover future periods.
ICAI's SAE 3400 — The Examination of Prospective Financial Information distinguishes between forecasts based on management's best-estimate assumptions and projections that may also involve hypothetical assumptions.
These technical distinctions do not mean that every bank uses identical document names. The lender's prescribed format and instructions should determine what is submitted.
Important Before Preparing Documents for a Bank
Ask the bank which financial statements and years it requires. Some lenders may request historical financials, current-year estimates, provisional balances and future projections together.
A professionally prepared projected balance sheet is not automatically an audited financial statement or CA-certified document. Easy Return's standard preparation service does not include CA certification or UDIN.
The preparation should reflect the actual service scope and the lender's requirements. Submission of financial projections does not guarantee bank loan approval.
Documents Required for Projected Balance Sheet Preparation
To prepare a projected balance sheet for a bank loan, financial information is needed to understand the business's current position, future plans and expected funding requirements. The exact document checklist depends on whether your business is already operating or is newly established.
For Existing Businesses
Financial records from an already operating business.
- ✓ Latest Balance Sheet: Final, audited or available provisional financial position, as applicable.
- ✓ Profit & Loss Statement: Available annual financial results and revenue information.
- ✓ Bank & Loan Details: Outstanding borrowing balances, interest rates and repayment information where relevant.
- ✓ Sales & Purchase Information: Available turnover, inventory and supplier-related records.
- ✓ Receivables & Payables: Expected customer collections and supplier-payment balances.
- ✓ Future Business Plans: Expected revenue changes, investment, expenses and financing assumptions.
For New Businesses & Startups
Business plans and estimates where historical accounts are not yet available.
- ✓ Business Details: Nature of business, proposed activities and ownership structure.
- ✓ Initial Investment Plan: Expected capital contribution, setup costs and fixed-asset purchases.
- ✓ Expected Sales: Revenue assumptions based on proposed products, services and business capacity.
- ✓ Estimated Expenses: Rent, salaries, operating expenditure and other expected business costs.
- ✓ Proposed Loan Details: Funding required, proposed repayment period and financing assumptions.
- ✓ Working Capital Estimates: Expected inventory, customer credit, cash and supplier payments.
Additional Information Needed for Bank Loans
If your projected balance sheet is intended for a bank loan, the following information can help align the financial projections with the proposed borrowing requirements.
Bank & Loan Purpose
Name of the lender, type of loan, purpose of financing and any financial statement format specified by the bank.
Loan Amount & Repayment
Proposed loan amount, existing borrowings, expected interest rate, repayment period and other relevant financing terms.
Financial Projection Period
The number of future financial years required and whether the bank also needs estimated or provisional statements.
How to Organise Your Documents for Preparation
A well-organised set of information can reduce clarification requests and make financial projection preparation easier.
Collect Available Records
Gather your current financial statements, existing loan details and relevant business information.
Prepare Future Estimates
Identify realistic sales, operating cost, investment and funding assumptions.
Share Lender Requirements
Provide the loan purpose, required forecast years and any prescribed bank statement format.
Do You Need Every Document Listed Above?
No. The information needed depends on the type of business, available financial records, projection period and lender's requirements.
A new business may not have historical balance sheets or profit-and-loss statements. In that case, projections may be prepared using documented business plans and reasonable assumptions.
The projected statements should be based on accurate information provided for the engagement. Do not upload sensitive financial records through unverified communication channels.
Service scope: Easy Return provides professionally prepared projected statements. CA certification, UDIN and assurance services are not included in the standard offering.
Projected Balance Sheet for Different Types of Bank Loans
The financial information needed in a projected balance sheet for bank loan purposes can vary with the type of financing. A working capital facility may focus on inventory and receivables, whereas a term loan may involve fixed assets, long-term borrowing and repayment assumptions.
1. Term Loan
A term loan may finance business assets, expansion or another eligible long-term requirement. Financial projections can show how the proposed borrowing affects the business's assets, liabilities and equity.
2. Cash Credit (CC) Limit
A cash credit facility supports eligible working capital needs. Projected statements may show expected stock, debtors, creditors, current liabilities and the proposed borrowing.
Businesses seeking a CC facility may also need a detailed cash credit limit project report if requested by their lender.
3. Business Overdraft (OD)
Depending on the OD product and its assessment method, lenders may examine the business's anticipated liquidity, cash flows and borrowing position.
Not every overdraft product requires a projected balance sheet, so the bank's checklist should be confirmed first.
4. Machinery & Equipment Loan
Businesses purchasing machinery or equipment may need to forecast the increase in fixed assets and the related financing obligations.
The projections should consider asset costs, depreciation, owner contribution and loan repayments where relevant.
5. MSME Business Loan
MSMEs may require projected financial statements when seeking financing for capacity expansion, working capital or business development.
The lender's requirements depend on the specific MSME loan product, credit assessment and business profile.
6. Startup & Business Expansion Loan
New businesses may prepare forecasts based on their business plans because historical financial statements may not exist.
Expansion proposals may involve both existing financial records and assumptions about future investment, turnover and funding.
Financial Projection Focus by Loan Type
| Loan Type | Main Financial Focus | Other Documents That May Be Requested |
|---|---|---|
| Term Loan | Fixed assets, loan balances, capital and repayments | Project report, cash-flow forecasts or repayment schedule |
| Cash Credit Limit | Inventory, receivables, payables and working capital | Stock details, working capital assessment or CMA data |
| Overdraft | Liquidity, current balances and borrowing needs | Bank statements, financial statements or cash-flow information |
| Machinery Loan | Fixed-asset purchases, depreciation and financing | Machinery quotations, investment plan and repayment forecast |
| MSME Loan | Assets, liabilities, capital and business expansion | Financial records, business details and scheme-specific information |
| Startup Finance | Initial assets, owner funding and proposed borrowing | Business plan, investment estimates and revenue assumptions |
Is a Projected Balance Sheet Enough for a Bank Loan?
Not always. A projected balance sheet describes the expected financial position of a business, but lenders may also need supporting financial information to assess the full loan proposal.
Depending on the facility, applicants may need a project report format for bank loan containing business details, investment estimates, projected profitability, cash flows and financial assumptions.
Projected Profit & Loss
Explains expected revenue, operating expenses and profit.
Cash-Flow Forecast
Estimates cash inflows, outflows and funding requirements.
Loan & Working Capital Schedules
Explain repayment assumptions and operating fund needs.
Confirm the Bank's Requirements First
Projected balance sheet requirements are not identical for all loan products. Some lenders ask for two forecast years, while others may require projections covering the loan's repayment period.
For example, State Bank of India's published commercial loan documentation refers to projected balance sheets for the next two years for certain working capital limits and for the loan period in certain term loan applications.
Official reference: SBI Commercial Loan FAQs . Treat these as product-specific guidance, not universal banking rules.
Easy Return's projected balance sheet preparation service does not include CA certification or UDIN. A lender may ask for additional documents, and loan approval is never guaranteed.
Important Financial Ratios Banks May Review in a Projected Balance Sheet
Banks may analyse financial ratios to understand a business's liquidity, borrowing position, profitability and capacity to meet debt obligations. Some ratios can be calculated from a projected balance sheet, while others require supporting projected profit, cash-flow and loan repayment information.
1. Current Ratio
The Current Ratio compares a business's current assets with its current liabilities. It helps assess short-term liquidity.
2. Debt-to-Equity Ratio
The Debt-to-Equity Ratio compares borrowings with owner's equity. It indicates how much debt financing a business uses relative to its capital. The definition of debt should match the lender's methodology.
3. Net Working Capital
Net Working Capital measures the difference between current assets and current liabilities. It is an amount rather than a ratio and helps describe short-term financial resources.
4. Debt Service Coverage Ratio (DSCR)
DSCR assesses a borrower's capacity to service debt from available earnings or cash accruals. The precise calculation can vary by lender and financing arrangement.
5. Net Profit Margin
Net Profit Margin measures projected profit relative to sales revenue. It helps assess profitability, but it cannot be calculated from the balance sheet alone.
6. Interest Coverage Ratio
The Interest Coverage Ratio compares earnings before interest and tax with interest expenses. It indicates the ability of projected operating earnings to cover financing costs.
Which Financial Statements Are Needed to Calculate These Ratios?
| Financial Measure | What It Indicates | Main Information Needed |
|---|---|---|
| Current Ratio | Short-term liquidity | Projected balance sheet: current assets and liabilities |
| Debt-to-Equity Ratio | Borrowing relative to equity | Projected borrowings and owner's equity balances |
| Net Working Capital | Short-term financial resources | Projected current assets and current liabilities |
| DSCR | Ability to service debt | Projected earnings or cash accruals and debt repayment schedule |
| Net Profit Margin | Profitability relative to sales | Projected profit and loss statement |
| Interest Coverage Ratio | Earnings available to cover interest | Projected EBIT and interest expense |
Does Every Bank Require the Same Ratios?
No. Lenders may use different financial measures, calculation methodologies and acceptable thresholds depending on the loan product, industry and borrower profile.
For example, the Reserve Bank of India has published definitions of Current Ratio and DSCR in a specific loan restructuring framework. Thresholds specified in that framework should not be treated as universal minimums for all new business loans.
Official reference: RBI — Financial Ratio Definitions .
Service clarification: Easy Return provides professionally prepared projected balance sheets. A full bank appraisal package, additional ratio schedules or CMA data should be confirmed separately where required. CA certification and UDIN are not included in the standard service.
Projected Balance Sheet Preparation Fees in India
The cost of projected balance sheet preparation for bank loans depends on your business requirements, forecast period and complexity of the financial information. Easy Return offers an online preparation service with a clearly stated starting price.
Projected Balance Sheet Preparation
Onwards
✓ GST IncludedProfessional preparation of a projected balance sheet using your business information and agreed financial assumptions. The final service fee depends on the confirmed scope of work.
Pricing clarification: ₹2,500 is the starting total price, including applicable GST. Additional work may attract a higher fee, which should be confirmed before ordering.
What Does the Preparation Fee Cover?
The standard preparation service focuses on the agreed projected balance sheet statement. Its scope can include:
- ✓ Preparation of projected assets, liabilities and owner's equity balances.
- ✓ Consideration of relevant business information and financial assumptions.
- ✓ Preparation for the forecast years agreed under the service scope.
- ✓ Consideration of loan, fixed-asset and working capital balances where relevant.
- ✓ Arithmetic reconciliation of the projected balance sheet totals.
What Affects Projected Balance Sheet Preparation Charges?
Number of Projected Years
Preparing projections for more financial years may require additional assumptions, calculations and reconciliation.
Business Complexity
Multiple business activities, borrowings, fixed assets or complex financial records may require more detailed preparation work.
Additional Financial Statements
A bank may request projected profit and loss, cash flow, CMA data or other schedules that are separate from the standard balance sheet preparation.
Important: What's Not Included?
The standard projected balance sheet preparation service does not include CA certification, UDIN, auditing or an assurance report.
Additional statements, specialised lender formats, CMA reports and other financial documentation should be discussed separately before ordering. The preparation service does not guarantee acceptance of the document or approval of a bank loan.
Ready to Prepare Your Projected Balance Sheet?
Discuss your business requirements with Easy Return on WhatsApp to get started with professional projected balance sheet preparation.
Projected Balance Sheet Sample PDF for Bank Loan
Want to understand how a projected balance sheet for a bank loan looks in practice? Explore the sample PDF below, which includes a balance sheet, projected trading and profit and loss account, proprietor's capital account and depreciation schedule.
Sample Projected Balance Sheet
ABC Enterprise | 4 Pages | PDF Document
View the sample PDF in a new tab or use the download option to save a copy. Some browsers may open the PDF instead of downloading it.
What's Included in This Projected Balance Sheet Sample?
Projected Balance Sheet
Shows proprietor's capital, loan, creditors, fixed assets, closing stock, cash, bank balance and debtors for 31 March 2026.
Trading & Profit and Loss Account
Includes sales, purchases, opening and closing stock, wages, gross profit, operating expenses and projected net profit.
Proprietor's Capital Account
Presents the movement in proprietor's capital, including opening balance, drawings, profit and closing capital.
Fixed Assets & Depreciation Schedule
Displays machinery, furniture and other fixed assets along with depreciation rates, depreciation amounts and closing values.
How Can This Sample Help You?
A sample projected balance sheet helps business owners understand the structure of a financial statement before preparing one for a loan application.
You can see how assets, liabilities and capital are arranged, and how supporting schedules provide additional details behind the main financial figures.
Remember: The figures and statement structure should be adapted to your own financial records, assumptions, required forecast period and lender's instructions. Do not submit someone else's sample figures as your own business projections.
Important Information About This Sample PDF
This document is provided for sample and educational reference. It should not be treated as a universal format accepted by every bank.
The sample contains preliminary financial figures and a minor ₹0.01 difference between total assets and total liabilities plus capital on its balance sheet page. Actual submissions should be checked and reconciled before use.
The sample does not establish that the figures have been audited or CA-certified. Easy Return's standard projected balance sheet preparation service does not include CA certification or UDIN.
Projected Balance Sheet FAQs for Bank Loans
Find answers to common questions about projected balance sheet preparation, bank loan requirements, formats, fees and online services. These FAQs will help you understand the documents and information you may need before getting started.
01 What is a projected balance sheet for a bank loan?
A projected balance sheet is a financial statement showing the expected assets, liabilities and owner's equity of a business at a future date.
Banks may use these projections to understand a borrower's future financial position as part of the loan assessment process.
02 Is a projected balance sheet compulsory for every bank loan?
No. Not every bank loan requires a projected balance sheet. Requirements vary depending on the lender, loan amount, financing product and borrower's financial profile.
Some business loans and working capital facilities may require financial projections, while other loan products may follow different documentation procedures.
03 How many years of projected balance sheets are required?
The required projection period depends on the bank and loan product. Some lenders may ask for two or three years, while longer-term loans may require forecasts covering the proposed repayment period.
Always confirm the required number of years before preparing the statement.
04 What documents are needed for projected balance sheet preparation?
An existing business may need to provide:
- Latest available balance sheet
- Profit and loss statement
- Sales and expense information
- Existing loan balances
- Future investment and financing plans
A startup may instead provide a business plan, expected revenue and expenses, proposed investment and financing assumptions. The exact list varies by engagement.
05 What is the fee for preparing a projected balance sheet?
Easy Return's projected balance sheet preparation service starts at ₹2,500, including GST.
The final fee may vary depending on the number of forecast years, business complexity, available financial information and additional statement requirements.
06 Can a new business get a projected balance sheet prepared?
Yes. A newly established business can prepare projected financial statements even when historical accounts are unavailable.
In such cases, projections are based on the proposed business model, investment, sales, operating expenses and financing assumptions.
07 Can I prepare a projected balance sheet in Excel?
Yes. Microsoft Excel or other spreadsheet software can be used to prepare projected balance sheets.
However, the projected figures should use consistent assumptions and reconcile with the supporting financial information. A template alone does not ensure that the projections are reasonable or suitable for a bank.
08 Does a projected balance sheet require CA certification?
Not in every case. The requirement for CA certification depends on the lender's specific documentation instructions.
Easy Return provides professionally prepared projected balance sheets. CA certification, UDIN, auditing and assurance are not included in this service.
If your bank expressly requires a certified document, confirm that requirement before ordering.
09 Is a projected balance sheet different from a project report?
Yes. A projected balance sheet focuses on the expected future assets, liabilities and equity of a business.
A project report is generally broader and may include business details, project costs, market assumptions, projected profitability, cash flows and financing plans.
A projected balance sheet can form one part of a comprehensive project report.
10 Can I get a projected balance sheet prepared online?
Yes. Easy Return offers online projected balance sheet preparation services for businesses across India.
You can initiate a service request and provide your business requirements and relevant financial information through the agreed process.
11 Does the projected balance sheet include P&L and cash flow?
A projected balance sheet, projected profit and loss statement and projected cash-flow statement are separate financial statements.
They may need to be prepared together to ensure consistency, but additional statements should not be assumed to be included in the standard service fee.
Confirm the complete document requirements and service scope before ordering.
12 Will a projected balance sheet guarantee bank loan approval?
No. Preparing a projected balance sheet does not guarantee loan approval.
A lender may assess credit history, repayment capacity, existing liabilities, business viability, security requirements and other eligibility criteria.
A projected balance sheet is a supporting financial document, not an approval or sanction issued by a bank.
Before Preparing Your Projected Balance Sheet
Confirm your lender's required document format, projection years, certification requirements and any supporting financial statements. Providing clear business information and realistic assumptions helps make the resulting projections more useful for financial planning and loan documentation.
Get Your Projected Balance Sheet Prepared for a Bank Loan
Need a professionally prepared projected balance sheet for a business loan, MSME finance, cash credit limit or working capital requirement? Connect with Easy Return on WhatsApp to discuss your business details, required documents and preparation process.
WhatsApp: +91 97160 35685
Important: Easy Return provides professionally prepared financial projections. CA certification, UDIN and auditing are not included in this service. Bank loan approval is subject to the lender's assessment.