Are you planning to start or expand a dhaba in India and seeking MUDRA Kishor loan under NIC 56104? This page provides a complete, bank-ready project report format for a dhaba business with project cost between ₹3 lakh and ₹25 lakh. A well-prepared project report is critical for loan approval under MUDRA scheme, as it demonstrates viability, repayment capacity, and compliance. Our report includes CMA (Credit Monitoring Arrangement) data, Debt Service Coverage Ratio (DSCR), and 5-year financial projections. We also cover eligibility, subsidy (if applicable), required documents, and step-by-step guidance. Whether you are in Punjab, Rajasthan, Uttar Pradesh, or any other state, this report is tailored to MUDRA Kishor requirements. Use this template to save time and increase your chances of approval.
To avail MUDRA Kishor loan for a dhaba, you must be an Indian citizen above 18 years with a viable business plan. The project cost should be between ₹3 lakh and ₹25 lakh. No collateral is required as the loan is covered under CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) up to ₹10 lakh. For loans above ₹10 lakh, collateral may be needed. The business should be a new venture or expansion of an existing dhaba. Priority is given to SC/ST/OBC, women, and minority entrepreneurs. You must have a valid Aadhaar, PAN, and a bank account. The dhaba should comply with local FSSAI and municipal regulations.
A typical dhaba project cost breakup for MUDRA Kishor includes: Land (if rented, security deposit of ₹50,000–₹1 lakh), Construction/renovation (₹1–5 lakh), Kitchen equipment (stove, tandoor, refrigerator, utensils – ₹1–3 lakh), Furniture (tables, chairs – ₹50,000–₹1.5 lakh), and Working capital (₹50,000–₹2 lakh for initial stock of raw materials). Total project cost ranges from ₹3 lakh to ₹25 lakh. Under MUDRA Kishor, you can finance up to 90% of the project cost as loan, with 10% margin money from the borrower. Interest rates vary from 8% to 14% depending on the bank. Repayment tenure is typically 3–5 years with monthly installments.
Submit the following documents along with your project report: 1) Identity proof (Aadhaar, Voter ID, Driving License). 2) Address proof (Aadhaar, Utility bill). 3) PAN card. 4) Business plan/project report (use our format). 5) Quotations for equipment and furniture. 6) Rent agreement if premises is rented. 7) Bank statement of last 6 months (personal/ business). 8) Caste certificate (if applicable for priority lending). 9) Two passport-size photographs. 10) Any existing loan statements if applying for expansion. Ensure all documents are self-attested. Banks may also ask for a detailed CMA and DSCR calculation, which is included in our project report.
MUDRA Kishor loan does not have a direct subsidy component under the scheme itself. However, you can combine it with other schemes like PMEGP (Prime Minister's Employment Generation Programme) which offers subsidy of 15–35% for general and special category entrepreneurs. For dhaba, PMEGP project cost limit is up to ₹25 lakh, and subsidy is available. Alternatively, under PMFME (Pradhan Mantri Formalisation of Micro Food Processing Enterprises), dhaba may be eligible for credit-linked subsidy of 35% up to ₹10 lakh, but only if registered as a food processing unit. Stand-Up India and PM Vishwakarma are not applicable for dhaba. Check with your bank for state-specific subsidies like from MSME department.
Every report is formatted to the exact standards required by Indian banks and government departments.
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MUDRA Kishor format + dhaba economics combined correctly.
Subsidy/margin money for MUDRA Kishor auto-computed.
Project cost ₹3–25 Lakh, NIC 56104.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
Yes — MUDRA Kishor (₹50K–₹5L) is commonly used for dhaba. The report is formatted to MUDRA Kishor requirements with subsidy/margin money shown.
₹50K–₹5L — computed automatically in the means-of-finance and subsidy sections.
Register free, pick the scheme & loan amount, and the AI drafts the full bank-ready report (CMA data, DSCR, 5-year projections) in under 60 seconds. First report free; clean exports ₹499.
MUDRA Kishor loan is available for project costs between ₹3 lakh and ₹25 lakh. The loan amount can be up to 90% of the project cost, so maximum loan is ₹22.5 lakh if project cost is ₹25 lakh. The remaining 10% must be contributed by the borrower as margin money.
No collateral is required for loans up to ₹10 lakh as they are covered under CGTMSE. For loans above ₹10 lakh up to ₹25 lakh, banks may ask for collateral or third-party guarantee. However, some banks may still waive collateral for women or SC/ST entrepreneurs under priority sector lending.
If you have a complete project report and all documents ready, loan approval typically takes 7–15 working days. The bank will verify your credit history, business viability, and documents. Using a bank-ready project report with CMA and DSCR can speed up the process.
Yes, MUDRA Kishor loan is available for dhabas in both rural and urban areas. In fact, rural dhabas on highways often have good business potential. Ensure your project report includes location advantages, customer footfall estimates, and competition analysis to strengthen your application.