For an aspiring dhaba entrepreneur in India, a ₹15 Lakh project report is your gateway to a bank loan under schemes like MUDRA Kishor (₹5-10 Lakh) or MUDRA Tarun (₹10-20 Lakh), or PMEGP (subsidy up to 35%). This page provides a ready-to-use financial blueprint: promoter margin of ₹1.5 Lakh (10%), term loan of ₹13.5 Lakh, and EMI of approximately ₹23,115/month at 11% over 7 years. The report includes CMA data, 5-year projected profit & loss, balance sheet, cash flow, and DSCR (typically above 1.25). It also covers subsidy eligibility under PMEGP (up to ₹5.25 Lakh for general category) and documents required. Whether you're a CA or entrepreneur, this tailored report saves time and improves loan approval chances.
To qualify for a ₹15 Lakh dhaba loan, you must be an Indian citizen aged 18+ with a viable business plan. MUDRA Tarun (₹10-20 Lakh) is ideal for new or existing dhabas, requiring no collateral for loans up to ₹10 Lakh (CGTMSE covers beyond). PMEGP offers subsidy: 25% for general (₹3.75 Lakh) and 35% for special categories (₹5.25 Lakh), but the project cost must be ≤₹50 Lakh. Stand-Up India is for SC/ST/women (min 51% ownership) with loans ₹10 Lakh-1 Crore. PM Vishwakarma (for traditional artisans) may apply if you offer traditional food. Ensure your NIC code 56104 matches 'Restaurants and mobile food service activities'.
Total project cost: ₹15 Lakh. Promoter's contribution: ₹1.5 Lakh (10%). Term loan: ₹13.5 Lakh. Use of funds: ₹5 Lakh for kitchen equipment (tandoor, stove, refrigerator), ₹3 Lakh for furniture & fixtures (tables, chairs, counters), ₹2 Lakh for interior renovation (signage, lighting), ₹3 Lakh for working capital (initial raw material, utensils, cash), and ₹2 Lakh for preliminary expenses (licenses, registration, report preparation). Loan tenure: 7 years. Interest rate: 11% p.a. (reducing balance). EMI: ₹23,115/month. DSCR: 1.35 (healthy). Break-even: 18 months.
Prepare these documents: 1) KYC: Aadhaar, PAN, voter ID. 2) Business proof: GST registration (if turnover >₹40 Lakh), FSSAI license (mandatory for dhaba), trade license from local municipality. 3) Financial: 2 years IT returns (if existing), bank statements (6 months). 4) Project report: Detailed CMA, 5-year projections, DSCR calculation. 5) Collateral: For loans >₹10 Lakh, CGTMSE cover or tangible security (e.g., property worth ₹13.5 Lakh). 6) Subsidy documents: For PMEGP, attach project report, caste certificate (if applicable), and margin money proof. For MUDRA, no collateral needed up to ₹10 Lakh.
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Financing structured for a ₹15 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 ≈ ₹23,115/month on the ~₹13.5 Lakh term-loan portion (at 11% over 7 years), with ~₹1.5 Lakh promoter margin. The report computes exact figures.
Banks typically expect ~10% margin — about ₹1.5 Lakh for a ₹15 Lakh project — plus any scheme subsidy.
MUDRA Kishor, MUDRA Tarun, PMEGP fit this range. The report is configured to your chosen scheme.
Yes, up to ₹10 Lakh under MUDRA (Kishor/Tarun) is collateral-free. For the remaining ₹5 Lakh, you can avail CGTMSE cover (credit guarantee) up to ₹2 Crore, eliminating the need for collateral. However, banks may still ask for personal guarantee. PMEGP also does not require collateral for loans up to ₹10 Lakh.
The EMI is approximately ₹23,115 per month. This is calculated on a reducing balance basis. Total interest payable over 7 years is about ₹6.9 Lakh, making the total repayment ₹20.4 Lakh. You can use an EMI calculator to verify.
Under PMEGP, subsidy is 25% of the project cost for general category (₹3.75 Lakh) and 35% for SC/ST/OBC/women/disabled (₹5.25 Lakh). The subsidy is released in two installments after the project is set up. Note: The maximum project cost for PMEGP is ₹50 Lakh (manufacturing) or ₹20 Lakh (service). Dhaba is service, so project cost must be ≤₹20 Lakh.
Banks typically require a Debt Service Coverage Ratio (DSCR) of at least 1.25. For a ₹15 Lakh loan, our projections show a DSCR of 1.35, indicating sufficient cash flow to cover EMI. DSCR is calculated as (Net Profit + Depreciation + Interest) / (Principal + Interest). A higher DSCR improves loan approval chances.