Are you planning to start a restaurant in India under the MUDRA Tarun scheme? This page provides a ready-to-use project report format for a restaurant business (NIC 56101) with a project cost between ₹5 Lakh and ₹50 Lakh. A bank-ready project report is crucial for loan approval under MUDRA Tarun, as it demonstrates the viability of your venture. The report typically includes CMA (Credit Monitoring Arrangement) data, Debt Service Coverage Ratio (DSCR) calculations, and 5-year financial projections covering profit & loss, balance sheet, and cash flow. It also details the required margin money (10-15% of project cost), the subsidy available under the scheme (though MUDRA is a loan, not a subsidy, but you may be eligible for interest subvention under certain state schemes), and the documents needed for application. This template is tailored for a restaurant business, considering factors like location, menu pricing, staff costs, and local competition. Use this as a foundation to create a customized report that meets your bank's requirements and increases your chances of funding.
To qualify for MUDRA Tarun loan for a restaurant, you must be an Indian citizen above 18 years, with a viable business plan. The scheme is available to new and existing businesses in manufacturing, trading, and services, including hospitality. For restaurants, the loan amount ranges from ₹5 Lakh to ₹10 Lakh (Tarun category). You need to contribute 10-15% margin money. There is no collateral requirement under CGTMSE coverage for loans up to ₹10 Lakh. Your credit score should be above 650, and you must not have defaulted on any previous loans. The business must be located in a non-objectionable area with necessary licenses (FSSAI, GST, fire safety, etc.).
A typical restaurant project cost of ₹10 Lakh (within Tarun range) includes: kitchen equipment (₹3.5 Lakh), furniture & fixtures (₹2 Lakh), interior decoration (₹1.5 Lakh), POS system & software (₹0.5 Lakh), initial inventory (₹1 Lakh), working capital (₹1 Lakh), and pre-operative expenses (₹0.5 Lakh). Financing: Bank loan 85% (₹8.5 Lakh), margin money 15% (₹1.5 Lakh). Repayment: 5-7 years at 10-12% p.a. interest. DSCR should be at least 1.25. The project report must include detailed cost breakup, sources of funds, and repayment schedule.
For a 30-seater restaurant, assume average daily customers: 80, average bill: ₹300, daily revenue: ₹24,000. Monthly revenue: ₹7.2 Lakh. Cost of goods sold (food & beverage): 35% of revenue. Staff salary: 20% (4 cooks, 6 waiters, 1 manager: ₹1.44 Lakh/month). Rent: ₹50,000. Utilities: ₹20,000. Marketing: ₹10,000. Other expenses: ₹15,000. Net profit before tax: ~₹1.2 Lakh/month (17% margin). Year 1 revenue: ₹86.4 Lakh; Year 5: ₹1.2 Cr (10% growth). DSCR: 1.8. Break-even in 18 months. These numbers are indicative; adjust based on your location and scale.
Every report is formatted to the exact standards required by Indian banks and government departments.
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Enter applicant details, select the scheme, set your loan amount.
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MUDRA Tarun format + restaurant economics combined correctly.
Subsidy/margin money for MUDRA Tarun auto-computed.
Project cost ₹5 Lakh–50 Lakh, NIC 56101.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
Yes — MUDRA Tarun (₹5L–₹10L) is commonly used for restaurant. 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.
MUDRA is a loan scheme, not a subsidy. However, you may get interest subvention under some state schemes (e.g., 2-3% reduction for women/SC/ST entrepreneurs). Check with your local DIC or bank for applicable subventions. No direct capital subsidy is provided under MUDRA.
You need: Aadhaar, PAN, voter ID, address proof, business plan/project report, 2 years ITR (if existing), bank statements (6 months), quotes for equipment, rent agreement, FSSAI license (or application), GST registration, and CGTMSE cover form. For new business, provide educational qualification and experience proof.
Yes, loans up to ₹10 Lakh under MUDRA Tarun are covered under CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises), so no collateral is required. However, the bank may ask for a personal guarantee. For loans above ₹10 Lakh, collateral may be needed.
Repayment tenure is usually 5 to 7 years, with a moratorium of 3-6 months on principal. Interest rates range from 10% to 12% per annum. Prepayment is allowed without penalty after 6 months. Monthly installments are fixed.