Bank-ready dhaba project report — project cost ₹3–25 Lakh, CMA data, DSCR ≥ 1.50 and 5-year projections for MUDRA Kishor, MUDRA Tarun, PMEGP.
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Starting a highway dhaba in 2025 requires a solid bank-ready project report to secure funding under MUDRA (Kishor/Tarun) or PMEGP. This page provides a practical guide for entrepreneurs and CAs on preparing a project report for a dhaba business (NIC 56104) with a project cost between ₹3–25 lakh. A well-structured report includes CMA data, DSCR (minimum 1.25), and 5-year financial projections covering revenue, expenses, and loan repayment. It also details the required machinery, furniture, and working capital. Whether you are setting up on a national highway in Uttar Pradesh, Maharashtra, or Rajasthan, this guide covers eligibility, cost breakdown, subsidy options, and documentation. Use this to create a report that meets bank norms and improves loan approval chances.
Any Indian citizen above 18 years with a viable dhaba location on a highway can apply. For loans up to ₹10 lakh, MUDRA Kishor is ideal; for ₹10–25 lakh, MUDRA Tarun works. PMEGP offers up to ₹25 lakh with a 15-35% subsidy (max ₹10 lakh) but requires the entrepreneur to have completed at least 8th standard. The business must be a new venture or expansion. No prior default history is needed. The dhaba should serve vegetarian/non-vegetarian meals, snacks, and beverages. Land can be owned or leased for at least 5 years. CGTMSE collateral-free guarantee applies for loans up to ₹2 crore under MUDRA.
A typical highway dhaba project cost of ₹10 lakh includes: land development/rent deposit (₹1.5 lakh), construction/temporary shed (₹3 lakh), kitchen equipment (stove, tandoor, fridge, exhaust – ₹2.5 lakh), furniture (tables, chairs, counters – ₹1.5 lakh), signage (₹0.5 lakh), and working capital (₹1 lakh). For a ₹20 lakh project, add air-conditioned dining (₹4 lakh), higher-end kitchen (₹4 lakh), and more working capital (₹2 lakh). Bank finance covers 75-90% of the cost. Under PMEGP, the margin money is 10-25% of the project cost (depending on category). Repayment tenure is 3-5 years with a moratorium of 6-12 months.
Essential machinery includes: commercial gas stove (2-4 burners) – ₹25,000, tandoor (if serving roti) – ₹15,000, deep freezer (400L) – ₹20,000, refrigerator (600L) – ₹35,000, exhaust hood – ₹15,000, water purifier (RO) – ₹12,000, mixer/grinder – ₹8,000, and weighing scale – ₹3,000. Furniture: 10-20 dining tables with chairs – ₹60,000, cash counter – ₹10,000, and storage racks – ₹15,000. Layout should have a clean kitchen, washing area, dining hall, and toilet. For highway dhabas, a separate parking area and a prominent signboard are critical. Total machinery cost: ₹1.5–3 lakh for a basic setup.
Submit: (1) KYC – Aadhaar, PAN, voter ID; (2) address proof of business (rent agreement or ownership); (3) project report with CMA data, 5-year financial projections, DSCR calculation; (4) quotations for machinery and equipment; (5) land documents (lease deed or sale deed); (6) GST registration (if turnover >₹40 lakh); (7) FSSAI license (mandatory for food business); (8) two passport-size photos; (9) bank statements for last 6 months; (10) any existing loan statements. For PMEGP, also include the project report approved by KVIC/DIC and caste/category certificate (if applicable). Ensure all documents are self-attested.
Step 1: Finalize location and prepare a detailed project report with help from a CA or consultant. Step 2: Apply online through MUDRA portal (or PMEGP via KVIC/DIC) or visit your nearest bank branch (PSU like SBI, Bank of Baroda, or regional rural bank). Step 3: Submit the project report and documents. Step 4: Bank evaluates the report – checks DSCR (should be >1.25), viability, and CIBIL score (preferably 700+). Step 5: If approved, sign loan agreement and provide collateral-free guarantee (CGTMSE). Step 6: Loan disbursed in one or two tranches. Step 7: Set up dhaba, purchase machinery, and start operations. For PMEGP, subsidy is released after project implementation and verification.
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Accurate dhaba economics: NIC 56104, ₹3–25 Lakh project cost, machinery & raw material.
Scheme-ready for MUDRA Kishor, MUDRA Tarun, PMEGP.
Bankable financials (CMA, DSCR ≥ 1.50, P&L, Balance Sheet, Cash Flow).
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A typical dhaba project costs ₹3–25 Lakh depending on scale, location and machinery. The report breaks down land/building, machinery, working capital and pre-operative costs.
MUDRA Kishor, MUDRA Tarun, PMEGP are commonly used. Banks fund ~75–90% of project cost as term loan + working capital.
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Under MUDRA, you can get a loan from ₹50,000 (Shishu) up to ₹10 lakh (Kishor) or ₹10–25 lakh (Tarun). For a dhaba, typically ₹3–25 lakh is needed. PMEGP also offers up to ₹25 lakh with subsidy.
Yes, most banks check CIBIL score. A score of 700+ improves approval chances. However, for loans up to ₹10 lakh under MUDRA, some banks may relax this if the project is viable and you have a good bank statement.
Yes, a lease agreement for at least 5 years is acceptable. The bank will require the lease deed as proof of business location. Ensure the lease is registered if the period is more than 12 months.
Under PMEGP, the subsidy is 15% of the project cost for general category (max ₹1.5 lakh) and 25% for SC/ST/OBC/women/minorities (max ₹2.5 lakh). For projects up to ₹25 lakh, the maximum subsidy is ₹10 lakh for special categories.