Bank-ready hotel & lodge report under MUDRA Tarun — project cost ₹25 Lakh–5 Cr, subsidy, CMA data, DSCR ≥ 1.50 and 5-year projections.
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This page provides a comprehensive, bank-ready project report for a Hotel & Lodge business under the MUDRA Tarun scheme (NIC 55101). MUDRA Tarun offers loans from ₹10 lakh to ₹10 lakh, but for hospitality projects, the typical range is ₹25 lakh to ₹5 crore under the Tarun category. Our report is tailored for a 30-room budget hotel in a tier-2 city like Indore, Madhya Pradesh, with a total project cost of ₹1.5 crore. A well-structured project report is critical for loan approval—it includes CMA data, DSCR calculations, 5-year financial projections, and detailed assumptions. We cover eligibility, subsidy (none under MUDRA, but CGTMSE coverage up to 85%), required documents, and step-by-step guidance to prepare your application. Whether you are a first-time entrepreneur or a CA assisting a client, this report ensures your proposal meets bank norms and increases your chances of funding.
To qualify for MUDRA Tarun loan for a hotel or lodge, the applicant must be an Indian citizen, above 18 years, with a viable business plan. There is no minimum educational qualification, but prior experience in hospitality or a relevant diploma is advantageous. The business should be a new venture or expansion of an existing one. The project cost should be between ₹25 lakh and ₹5 crore (Tarun category). The loan is available for non-corporate, non-farm small enterprises. Banks typically require a good credit score (preferably 700+), though MUDRA loans are collateral-free up to ₹10 lakh under CGTMSE; for higher amounts, collateral may be required. The business must comply with local municipal licenses, fire safety, and GST registration.
For a typical 30-room hotel in a tier-2 city, the total project cost of ₹1.5 crore is broken down as: Land (owned or leased) – ₹20 lakh; Building construction/renovation – ₹60 lakh; Furniture & fixtures – ₹25 lakh; Kitchen equipment – ₹15 lakh; IT & booking system – ₹5 lakh; Working capital – ₹25 lakh. Under MUDRA Tarun, the loan amount can be up to ₹1.5 crore (80% of project cost), with the borrower contributing 20% as margin money. The interest rate ranges from 9% to 12% per annum, depending on the bank and credit profile. Repayment tenure is typically 5-7 years, with a moratorium of 6-12 months. The DSCR should be above 1.25, and our report calculates it at 1.45 based on conservative occupancy of 65% and average room rent of ₹1,200.
The following documents are essential for a MUDRA Tarun hotel loan application: (1) KYC documents – Aadhaar, PAN, Voter ID, passport-size photos. (2) Business proof – GST registration, trade license, fire NOC, FSSAI if restaurant attached. (3) Financial documents – Last 3 years IT returns (if existing business), bank statements for 6 months, projected financials for 5 years. (4) Project report – Detailed CMA, DSCR calculation, cash flow, and balance sheet projections. (5) Property documents – Title deed, lease agreement, approved building plan, and valuation report. (6) Quotations for furniture, equipment, and construction. (7) Caste certificate if applying under SC/ST/OBC category for any subsidy. Ensure all documents are self-attested and notarized where required.
Every report is formatted to the exact standards required by Indian banks and government departments.
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MUDRA Tarun format + hotel & lodge economics combined correctly.
Subsidy/margin money for MUDRA Tarun auto-computed.
Project cost ₹25 Lakh–5 Cr, NIC 55101.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
Yes — MUDRA Tarun (₹5L–₹10L) is commonly used for hotel & lodge. The report is formatted to MUDRA Tarun requirements with subsidy/margin money shown.
₹5L–₹10L — 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.
No direct subsidy is provided under MUDRA loans. However, the loan is covered under CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) up to 85% for loans up to ₹5 crore, which acts as collateral-free coverage. Additionally, if you belong to SC/ST/OBC or are a woman entrepreneur, you may avail interest subvention under certain state schemes (e.g., Madhya Pradesh Yuva Udyami Yojana). Always check with your local DIC or bank for applicable state-level subsidies.
The repayment tenure is usually 5 to 7 years, with a moratorium period of 6 to 12 months (depending on the bank). During the moratorium, only interest is payable. The loan is repaid in equated monthly installments (EMIs) thereafter. A longer tenure reduces EMI but increases total interest outgo.
MUDRA loans are primarily for working capital and asset purchase (furniture, equipment, renovation). Land purchase is generally not covered, but if you already own or lease land, the loan can fund construction and fit-out. Some banks may allow up to 10% of the loan for land if it is a composite project, but it is better to have land already arranged.
Banks typically require a Debt Service Coverage Ratio (DSCR) of at least 1.25. For hospitality projects, due to higher risk, some banks may ask for 1.35 or more. Our project report ensures a DSCR of 1.45 based on realistic assumptions (65% occupancy, ₹1,200 average room rent, 70% operating margin). You can adjust assumptions based on your location.