This page provides a comprehensive, bank-ready project report for opening a Dhaba (roadside eatery) with a total project cost of ₹1,00,000. The report is tailored for an Indian entrepreneur or Chartered Accountant seeking a term loan of ₹90,000 (with promoter margin of ₹10,000) under MUDRA Kishor, MUDRA Tarun, or PMEGP schemes. It includes detailed CMA data, Debt Service Coverage Ratio (DSCR) calculations, and 5-year financial projections to help you secure loan approval quickly. The report covers key aspects such as eligibility, project cost breakdown, subsidy availability, EMI calculations (approx. ₹1,541/month at 11% over 7 years), and step-by-step documentation. Whether you are setting up in a village, highway, or small town, this report is designed to meet bank requirements and increase your chances of funding.
To avail a ₹1 lakh loan for a Dhaba, you must be an Indian citizen aged 18–65 years. The business falls under NIC code 56104 (Restaurants and mobile food service activities). Eligible schemes include MUDRA Kishor (₹50,001–₹5 lakh) and MUDRA Tarun (₹5 lakh–₹10 lakh) for non-farm income-generating activities, and PMEGP (subsidy of 15–35% for general and special categories). Under PMEGP, margin money is 10% (₹10,000) for general category and 5% for special categories. No collateral is required under CGTMSE for loans up to ₹5 lakh. The Dhaba must be a new or existing micro enterprise; existing units can apply for expansion. Priority is given to women, SC/ST/OBC entrepreneurs.
Total project cost: ₹1,00,000. Promoter's contribution: ₹10,000 (10%). Term loan: ₹90,000 (90%). The loan is repayable over 7 years at an interest rate of 11% per annum (reducing balance). Monthly EMI: approximately ₹1,541. The cost breakup includes: furniture & fixtures (tables, chairs, counters) ₹30,000; kitchen equipment (stove, utensils, refrigerator) ₹40,000; signage & basic renovation ₹15,000; working capital (initial raw materials, permits) ₹15,000. This structure ensures the Dhaba can start operations immediately. Banks may disburse the loan in one installment or two tranches. The project report includes a detailed cost sheet and sources of funds statement.
Under PMEGP, the project qualifies for a capital subsidy of 15% (general category) to 35% (special categories like SC/ST/OBC/women) of the project cost, subject to a maximum of ₹15,000 for general and ₹35,000 for special categories. The subsidy is back-ended, meaning it is released after the loan is fully repaid or after 2 years of successful operation. For MUDRA loans, no direct subsidy is available, but interest subvention may be offered by some state governments (e.g., 2% interest rebate for women entrepreneurs under certain state schemes). The promoter margin of ₹10,000 can be raised from personal savings or family. Ensure you have the margin money ready before applying; banks may ask for proof of source.
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Financing structured for a ₹1 Lakh dhaba: margin, term loan & EMI.
Scheme-ready for MUDRA Kishor, MUDRA Tarun, PMEGP.
Exact means of finance, CMA, DSCR ≥ 1.50 in the generated report.
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Indicatively ≈ ₹1,541/month on the ~₹90,000 term-loan portion (at 11% over 7 years), with ~₹10,000 promoter margin. The report computes exact figures.
Banks typically expect ~10% margin — about ₹10,000 for a ₹1 Lakh project — plus any scheme subsidy.
MUDRA Kishor, MUDRA Tarun, PMEGP fit this range. The report is configured to your chosen scheme.
You need Aadhaar card, PAN card, address proof (voter ID, passport, or utility bill), bank statements (last 6 months), passport-size photos, business proof (rent agreement or ownership documents for premises), project report (available on this page), and caste certificate if applying under PMEGP special category. For MUDRA, a simple application form and KYC are sufficient.
Yes, loans up to ₹5 lakh under MUDRA and PMEGP are covered by CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises), so no collateral is required. The bank will not ask for any asset as security. However, personal guarantee of the borrower is mandatory.
Typically, loan approval takes 7–15 working days after submitting complete documents. Under PMEGP, the process involves district-level committee approval, which may take up to 30 days. MUDRA loans are faster, often disbursed within a week if your KYC and bank statements are in order.
The EMI is approximately ₹1,541 per month. This is calculated using the reducing balance method. Total interest payable over 7 years is about ₹39,444, making the total repayment ₹1,29,444. You can use an EMI calculator to verify. Ensure your Dhaba's monthly profit covers this EMI comfortably.