Are you planning to start or expand a dhaba in India? A bank-ready project report is your first step to securing a ₹10 Lakh loan under MUDRA, PMEGP, or other schemes. This report, tailored for NIC 56104 (restaurants/dhabas), includes CMA data, DSCR calculations, and 5-year financial projections that banks demand. For a ₹10 Lakh project, promoter margin is ~₹1 Lakh, term loan ₹9 Lakh, with EMI ~₹15,410/month at 11% over 7 years. It covers equipment, furniture, working capital, and kitchen setup. Whether you're in Punjab, Uttar Pradesh, or Rajasthan, a detailed report increases approval chances and helps you compare subsidies like PMEGP's 35% capital subsidy or MUDRA's interest subvention. This page guides you through eligibility, documents, and step-by-step loan application.
To qualify for a ₹10 Lakh dhaba loan, you must be an Indian citizen, aged 18-65. For PMEGP, the age limit is 18-40 (relaxable up to 45 for SC/ST/OBC/women). Educational qualification: minimum 8th pass for PMEGP, but no strict requirement for MUDRA. The business must be new (PMEGP) or existing (MUDRA). Location matters: roadside dhabas on highways get preference. CGTMSE collateral-free coverage up to ₹2 Crore applies, so no third-party guarantee needed. Ensure you have a valid FSSAI license, GST registration (if turnover exceeds ₹40 Lakh), and a pollution certificate if applicable. For Stand-Up India, at least one SC/ST or woman entrepreneur is required, but for a ₹10 Lakh loan, MUDRA or PMEGP is more common.
Total project cost for a dhaba is ₹10 Lakh. Break-up: promoter contribution ₹1 Lakh (10%), term loan ₹9 Lakh (90%). Use of funds: kitchen equipment (stoves, tandoor, refrigeration) ~₹3.5 Lakh, furniture (tables, chairs, counters) ~₹2 Lakh, interior (signage, flooring, lighting) ~₹1.5 Lakh, working capital (initial raw material, utensils) ~₹2 Lakh, and miscellaneous (licenses, marketing) ~₹1 Lakh. Loan tenure: 5-7 years. At 11% interest, EMI for 7 years is ₹15,410/month. DSCR should be above 1.25; with estimated monthly net profit of ₹25,000-₹35,000, DSCR of 1.6-2.2 is achievable. Banks may ask for a 3-month moratorium on principal repayment.
PMEGP offers a capital subsidy of 35% (₹3.5 Lakh) for general category in urban areas, and 25% (₹2.5 Lakh) for rural. For SC/ST/OBC/women, subsidy is 35% in rural and 25% in urban. However, subsidy is back-ended: you must repay the full loan, then claim subsidy after 6 months of operation. MUDRA loan under Kishor (₹50,000-₹5 Lakh) or Tarun (₹5-10 Lakh) does not offer direct subsidy but provides interest subvention of 1% for women if repaid on time. PMFME (for food processing) may apply if you process ingredients, but standard dhaba is not eligible. PM Vishwakarma (launched 2023) covers 18 trades including 'cook' – check with local PM Vishwakarma centre for up to ₹1 Lakh loan at 5% interest, but not for ₹10 Lakh. CGTMSE covers 85% of loan default for first 2 years, reducing bank risk.
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Financing structured for a ₹10 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 ≈ ₹15,410/month on the ~₹9 Lakh term-loan portion (at 11% over 7 years), with ~₹1 Lakh promoter margin. The report computes exact figures.
Banks typically expect ~10% margin — about ₹1 Lakh for a ₹10 Lakh project — plus any scheme subsidy.
MUDRA Kishor, MUDRA Tarun, PMEGP fit this range. The report is configured to your chosen scheme.
Typically: Aadhaar, PAN, address proof (electricity bill/rent agreement), bank statements (6 months), business plan/project report, quotes for equipment, FSSAI license, GST registration (if applicable), and two passport-size photos. For PMEGP, also need educational certificate, caste certificate (if SC/ST/OBC), and project report in prescribed format. If applying under MUDRA, no collateral is needed, but a CGTMSE fee of 0.5% of loan amount may apply.
Technically, MUDRA loans up to ₹10 Lakh (Tarun) can be applied with a simple business plan, but banks often demand a detailed project report for amounts above ₹5 Lakh. A professional report with CMA data, DSCR, and projections significantly improves approval chances. Without it, you may face rejection or higher interest rates. It's advisable to prepare a report even for MUDRA to show viability.
The EMI is approximately ₹15,410 per month. This is calculated using the formula EMI = [P x R x (1+R)^N] / [(1+R)^N-1], where P=₹9 Lakh (loan amount), R=11%/12=0.009167, N=84 months. Total interest payable over 7 years is about ₹3.94 Lakh. Some banks offer floating rates, so EMI may vary. You can use an online EMI calculator to check different tenures.
Yes, if your dhaba is located in a rural area (as defined by the government), you can get 35% capital subsidy (general) or 25% (others). For SC/ST/OBC/women, rural subsidy is 35%. However, the subsidy is released after the loan is fully repaid and business runs for 6 months. You must apply through KVIC or District Industries Centre. Note: PMEGP is for new businesses only; existing dhabas cannot avail it.