TEV Report Format for Bank Loan – Easy Version

A TEV Report, short for Techno-Economic Viability Report, is a critical document for businesses seeking credit from banks or financial institutions. While a project report or feasibility report gives an overview of your business, the TEV report dives deeper into the technical feasibility and economic viability of the proposed project. Whether you are preparing a project report for a bank loan, a detailed project report, or a PMEGP project report, the TEV report strengthens your loan application with in-depth data and analysis.

What is a TEV Report?

A TEV report is a specialized version of a feasibility report and a detailed project report. It combines technical assessment and financial evaluation to judge whether the project is capable of generating sufficient returns over time. Banks use it to decide if the loan can be approved. Unlike a simple project report, the TEV report examines risks, technology efficiency, and return on investment (ROI).

Who Needs a TEV Report?

  • Businesses applying for large loans under a project report for a bank loan



  • Entrepreneurs under the PMEGP project report and the CMEGP project report with high-cost machinery



  • Applicants preparing a Mudra loan project report with a detailed feasibility report



  • Startups submitting a detailed project report or feasibility report for government schemes



  • MSMEs seeking a long-term credit line supported by a strong TEV and a project report for the loan



Easy TEV Report Format for Bank Loan

Here is a simplified format of a TEV report that meets the general expectations of banks in 2025 and is aligned with standard project report or feasibility report structures:

  1. Executive Summary

Summarize the business idea, sector, purpose of the loan, and overall cost. This is the first section of your TEV report, project report, and detailed project report for bank loan.

2. Promoter Background

Highlight the educational and professional history of the business owner(s). This section is also a key component in the PMEGP project report, the CMEGP project report, and any project report for a loan.

3. Project Description

Include:

  • Nature and scope of business



  • Product/service offered



  • Location of the project



  • Technological setup

    This section overlaps with the core of a feasibility report and project report for business.



4. Market Analysis

Provide insights into:

  • Industry trends



  • Customer base



  • Market demand



  • Competition

    This content is vital in both the feasibility project report and the detailed project report formats.



5. Technical Feasibility

This is the unique part of the TEV report. It includes:

  • Technical process/methods



  • Machinery specifications



  • Infrastructure



  • Power, water, land, and raw material requirements

    This section is not always detailed in a Mudra loan project report or PMEGP project report, but is essential in a TEV report.



6. Financial Viability

This section must include:

  • Project cost and means of finance



  • Cash flow statement



  • Profit & loss projections



  • Balance sheet forecasts



  • Break-even analysis



  • Internal Rate of Return (IRR)



  • Debt Service Coverage Ratio (DSCR)



This is also the backbone of any feasibility report, detailed project report for bank loan, and project report for loan applications.

7. Risk Analysis

Include risks related to:

  • Technical delays



  • Cost overruns



  • Market fluctuations



  • Regulatory changes

    This is often skipped in a basic project report or a Mudra loan project report, but adds credibility in TEV and feasibility project report.

8. Conclusion and Recommendations

State whether the project is technically and economically viable. This conclusion supports your project report for a bank loan, PMEGP project report, CMEGP project report, or feasibility project report.

Supporting Documents

Attach:

  • Quotations for machinery



  • Udyam Registration



  • CIBIL report



  • Past business financials



  • Startup India or scheme registration proof (if any)



These are typically annexed to a detailed project report, feasibility report, or project report for a Mudra loan.

Final Thoughts

In 2025, having a clear and complete TEV report can make your business loan proposal stand out. Whether you're submitting a PMEGP project report, CMEGP project report, Mudra loan project report, or a general project report for a bank loan, incorporating a TEV report elevates the trust of banks in your project's potential.

This TEV format can be used along with your feasibility project report, detailed project report, or even a startup business plan.  For additional information or assistance, please contact us at +91-8989977769.