Industry · 11 min read

Project Report for Restaurant / Cafe — Cost Sheet, FSSAI, and DSCR for Bank Loan (2026)

A complete restaurant/cafe project report blueprint: kitchen setup cost, seating capacity, sales forecast, food cost %, fixed expenses, and DSCR. Includes FSSAI & local license checklist.

Check Loan Eligibility
Kitchen & interiors cost breakdown
Revenue model (covers/day × ABV)
Food cost % and DSCR sanity checks

Who this guide is for

  • New cafe/restaurant
  • Expansion / second outlet
  • MUDRA / PMEGP applicants

Bank-loan checklist (use this before you submit)

  • FSSAI registration/license (as applicable)
  • Fire & local municipal clearances (as applicable)
  • Menu pricing with contribution margin (item-level rough math)
  • Rent, staff, utilities included in fixed expenses
  • Food cost 28–40% depending on concept
  • DSCR ≥ 1.50 and positive net profit

FAQs

How do I estimate restaurant revenue?

Use capacity (seats), table turns, average bill value, and operating days. Keep ramp-up realistic for Year 1.

What is a realistic net profit margin?

For many small restaurants, 8–18% net margin is realistic depending on rent and cuisine.

What loans suit restaurants best?

MUDRA for smaller tickets, PMEGP for subsidy-eligible new units, and term loan + working capital for larger projects.

Recommended next reads

How to Make a Project Report

/how-to-make-project-report-for-bank-loan

MUDRA Approval Steps

/mudra-loan-approved

Project Report Cost (CA vs Tool)

/project-report-cost

Want a project report that banks actually accept?

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