Opening a dhaba with a ₹2 Crore project requires a bank-ready project report that goes beyond a simple menu plan. This page is tailored for entrepreneurs seeking a term loan of ₹1.80 Crore (with a ₹20 Lakh promoter margin) under schemes like MUDRA Kishor/Tarun or PMEGP. A professional report includes CMA data, DSCR projections, and 5-year financial forecasts that demonstrate repayment capacity. For a dhaba classified under NIC 56104, lenders expect clarity on location, footfall estimates, and working capital needs. Our report covers all this, helping you secure approval faster. Whether you're in Punjab, Rajasthan, or Uttar Pradesh, the report adapts to local costs and competition. We also highlight applicable subsidies—PMEGP offers 15% subsidy on project cost (max ₹20 Lakh for general category, 25% for special categories). With the right documentation, your ₹2 Crore dhaba can become a reality with manageable EMIs around ₹3.08 Lakh/month at 11% over 7 years.
For a ₹2 Crore dhaba, you can apply under MUDRA Kishor (loans up to ₹5 Lakh) or MUDRA Tarun (up to ₹10 Lakh) only if you split the project into smaller components—however, most lenders prefer PMEGP for amounts above ₹10 Lakh. PMEGP eligibility: individual above 18 years, minimum 8th pass (for loans above ₹10 Lakh), and a viable project. General category gets 15% subsidy (max ₹20 Lakh), while SC/ST/OBC/women get 25% (max ₹25 Lakh). You must contribute 10% as promoter margin (₹20 Lakh in your case). CGTMSE cover is available for collateral-free loans up to ₹2 Crore. Ensure your credit score is above 650 and you have no default history. For Stand-Up India (women/SC/ST), loan amount is between ₹10 Lakh and ₹1 Crore—so your ₹1.80 Cr term loan may not qualify. MUDRA does not directly cover ₹2 Cr; hence PMEGP is the most practical scheme.
Total project cost: ₹2 Crore. Break-up: Land (if not owned) ₹30-40 Lakh, building construction/renovation ₹60-70 Lakh, kitchen equipment ₹30 Lakh, furniture & fixtures ₹15 Lakh, vehicles (for procurement) ₹10 Lakh, pre-operative expenses ₹5 Lakh, working capital margin ₹10 Lakh. Promoter margin: ₹20 Lakh (10%). Term loan: ₹1.80 Crore from bank. Loan tenure: 7 years, interest rate ~11% (MCLR + spread). EMI: approximately ₹3,08,204 per month. DSCR should be above 1.5; our report projects DSCR of 1.8 based on estimated annual net profit of ₹40 Lakh after all costs. Working capital limit (CC/OD) of ₹20-30 Lakh may also be sanctioned separately. Ensure you have 3 years of income tax returns (if existing business) or strong collateral if new. The bank will appraise based on location, competition, and your experience in food business.
To apply for a ₹2 Crore dhaba loan, prepare: 1) KYC documents (Aadhaar, PAN, voter ID). 2) Business proof: GST registration (mandatory for turnover above ₹40 Lakh), FSSAI license, trade license. 3) Project report with CMA, 5-year projections, DSCR, and breakeven analysis. 4) Property documents if land is owned, or lease agreement (minimum 5 years). 5) Quotations for equipment and construction. 6) Two years IT returns (if any) or audited financials. 7) Caste certificate (if applying under PMEGP special category). 8) Bank statement of last 6 months. 9) Photographs of proposed location. PMEGP applicants need to submit the project through the PMEGP portal and get a recommendation from the District Industries Centre (DIC). MUDRA loans require simpler documentation but may not cover the full ₹2 Cr. For collateral-free loan up to ₹2 Cr, CGTMSE cover requires no third-party guarantee, but personal guarantee of promoters is needed.
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Financing structured for a ₹2 Crore 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 ≈ ₹3,08,204/month on the ~₹1.80 Cr term-loan portion (at 11% over 7 years), with ~₹20 Lakh promoter margin. The report computes exact figures.
Banks typically expect ~10% margin — about ₹20 Lakh for a ₹2 Crore project — plus any scheme subsidy.
MUDRA Kishor, MUDRA Tarun, PMEGP fit this range. The report is configured to your chosen scheme.
MUDRA loans are capped at ₹10 Lakh (Tarun). For ₹2 Crore, you cannot use MUDRA directly. However, you can apply for PMEGP which offers subsidy and collateral-free loan up to ₹2 Crore under CGTMSE. Some banks may also offer term loans under their regular MSME schemes without MUDRA tag.
EMI = ₹3,08,204 per month. This is calculated using the formula: P * r * (1+r)^n / ((1+r)^n - 1), where P=1,80,00,000, r=11%/12=0.009167, n=84 months. Total interest payable over 7 years is approximately ₹79.89 Lakh.
Yes, PMEGP covers dhabas under manufacturing/service sector. Subsidy is 15% of project cost (max ₹20 Lakh) for general category, 25% (max ₹25 Lakh) for SC/ST/OBC/women. For ₹2 Cr project, subsidy will be capped at ₹20 Lakh (general) or ₹25 Lakh (special). The subsidy is released after the loan is disbursed and project is implemented.
Processing time varies by bank and scheme. For PMEGP, after online application, DIC verification takes 15-30 days, then bank sanction takes 30-45 days. Total 2-3 months. For regular term loans, if documents are complete, sanction can happen in 3-4 weeks. Ensure your project report is detailed to avoid delays.