Most project loans aren't rejected for a bad idea.

Food processing units are most often flagged for unrealistic margin assumptions.

Projected margins that don't match real procurement and wastage costs are one of the fastest ways to lose a loan officer's confidence.

Collateral-free loans above ₹15 lakh face heavier scrutiny on cash flow than on the idea itself.

Without security to fall back on, lenders study DSCR and working capital cycles far more closely than the business plan narrative.

Many rejected MUDRA applicants were actually a better fit for PMEGP.

Scheme mismatch — not project quality — quietly accounts for a large share of avoidable rejections we see.