IBA-Compliant Detailed Project Reports (DPR) & Techno-Economic Viability (TEV)
Preparing bankable Techno-Economic Viability (TEV) studies, engineering appraisals, and CMA data packages compliant with Indian Banks’ Association (IBA) standards.
What is an IBA-compliant TEV Study and DPR for a Bank Loan?
A Techno-Economic Viability (TEV) study and Detailed Project Report (DPR) in India is a comprehensive technical and financial due diligence document mandated by Scheduled Commercial Banks for credit proposals exceeding ₹10 Crore. Prepared by empanelled Chartered Engineers and financial consultants adhering to Indian Banks’ Association (IBA) guidelines, the TEV study assesses engineering design, raw material supply, regulatory approvals, market demand, cost benchmarks, and financial viability metrics including DSCR, IRR, and break-even points.
Institutional Underwriting & Structuring Benchmarks
Institutional underwriting parameters and facility structuring benchmarks across 45+ Scheduled Commercial Banks.
| DPR & TEV Component | IBA-Compliant Standard | Generic Commercial Consultant | Bank Credit Committee Impact |
|---|---|---|---|
| Engineering & Technical Due Diligence | Chartered Engineer site inspection and machinery life assessment | Desk research without physical verification | Passes Lenders’ Independent Engineer (LIE) scrutiny with zero technical queries |
| Financial Sensitivity & Stress-Testing | Multi-scenario sensitivity across revenue (-10%), costs (+10%), and rates (+200 bps) | Single baseline projection | Proves debt service viability even under severe macroeconomic stress |
| Break-Even & DSCR Modeling | Rigorous calculation of Average DSCR ≥ 1.25x and Cash Break-Even < 60% | Unsubstantiated high margins | Conforms directly to bank internal risk scoring models (CRISIL/ICRA aligned) |
| Statutory & Environmental Checklist | Complete audit of pollution, fire, municipal, and factory licenses | Generic disclaimers | Eliminates pre-disbursement compliance conditions that delay funding |
| Benchmarked Capital Costing | Verification of civil costs and equipment quotations against industry indices | Inflated estimates vulnerable to cuts | Prevents bank engineering teams from imposing arbitrary capital expenditure reductions |
Execution Architecture & Mandate Delivery
How CreditCares navigates multi-banking committees, technical appraisals, and compliance milestones.
- Techno-Economic Viability (TEV) Appraisals
- Conducting in-depth evaluations of manufacturing processes, equipment specifications, civil layout bankability, raw material dependencies, and logistics infrastructure.
- IBA-Compliant Detailed Project Reports (DPR)
- Drafting structured project reports covering promoter credentials, market demand-supply dynamics, capital expenditure breakdowns, and implementation schedules.
- Dynamic CMA Data & Ratio Modeling
- Building complete Credit Monitoring Arrangement (CMA) projections, working capital calculations under Tandon/Nayak norms, and fund-flow statements.
- Credit Committee Defense & LIE Alignment
- Representing technical and financial assumptions directly before bank credit risk committees and resolving Lenders’ Independent Engineer (LIE) technical queries.
Credit Committee Bankability & Risk Mitigation
Why large-ticket applications fail at the Sanction Committee stage and how our desk immunizes your proposal:
DPRs projecting 90% capacity in Year 1 are discarded. We model realistic phased utilization curves (50% in Year 1, 65% in Year 2, 75% in Year 3).
Single-source machinery quotes trigger suspicion. We include comparative quotations and vendor credentials to substantiate capital investments.
Failing to include margin money for working capital creates post-commissioning insolvency. We calculate and capitalize initial working capital buffers.
Mandate & Syndication Inquiries
Why do banks require an independent TEV study? ▼
Is a DPR prepared for one bank acceptable to other consortium banks? ▼
How long does it take to prepare an IBA-compliant DPR and TEV study? ▼
What is the difference between a business plan and a bankable DPR? ▼
Does CreditCares defend the DPR during bank credit committee meetings? ▼
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