An Estimate template defines the format and layout of the Estimate PDF that is shared with your customers.
Zoho FSM provides three default PDF templates to help you present your estimate details,

In addition to these templates, you can also create your own custom Estimate template to enhance personalization and relevance.

You can set one of these as the default or choose a different template while sending the Estimate to a customer.

For more details about PDF templates, refer to the PDF Templates.