If you are planning to start a dhaba with a project cost of ₹2 Lakh, a bank-ready project report is your first step to securing a MUDRA loan or PMEGP subsidy. This report includes critical financial data such as CMA (Credit Monitoring Arrangement) data, Debt Service Coverage Ratio (DSCR), and 5-year projected profit & loss, balance sheet, and cash flow statements. Banks require these projections to assess repayment capacity. For a ₹2 Lakh dhaba, the typical promoter margin is ₹20,000 (10%), and the term loan is ₹1.8 Lakh. At an 11% interest rate over 7 years, the EMI works out to approximately ₹3,082 per month. This page provides a ready-to-use project report framework for NIC code 56104 (Dhaba/Restaurant), covering eligibility, cost breakdown, subsidy options under MUDRA Kishor/Tarun or PMEGP, and a step-by-step guide to submission. Whether you are an entrepreneur in Punjab, Rajasthan, or any state, this report helps you present a viable business case to the bank.
To apply for a ₹2 Lakh dhaba loan, you must be an Indian citizen aged 18 or above. For MUDRA Kishor (₹50,001–₹5 Lakh) or MUDRA Tarun (₹5 Lakh–₹10 Lakh), no collateral is required as the loan is covered under CGTMSE. For PMEGP, the applicant must have passed at least 8th standard (relaxable for rural areas) and should not have availed any other subsidy under similar schemes. The project must be a new venture; existing dhabas are not eligible for PMEGP subsidy. The subsidy under PMEGP is 15% for general category (urban) and 25% for special categories (SC/ST/OBC/women/rural). For a ₹2 Lakh project, the maximum subsidy is ₹30,000 (general) or ₹50,000 (special). Banks also consider your credit history – a CIBIL score of 650+ is advisable. If you are a first-time entrepreneur, you can approach any public sector bank, regional rural bank, or scheduled commercial bank that offers MUDRA loans.
The total project cost of ₹2,00,000 is allocated as follows: Fixed assets (furniture, utensils, cooking equipment, signage) – ₹1,20,000; Working capital (initial raw material, spices, fuel, packaging) – ₹60,000; Pre-operative expenses (licenses, registrations, rent deposit) – ₹20,000. Promoter contribution is ₹20,000 (10% of project cost). The bank loan amount is ₹1,80,000. Loan tenure is 7 years (84 months) at an interest rate of 11% per annum (reducing balance). The EMI is ₹3,082 per month. The total interest payable over 7 years is approximately ₹78,888, making the total repayment ₹2,58,888. DSCR (Debt Service Coverage Ratio) should be above 1.25 for bank approval. A 5-year projection shows net profit increasing from ₹1.2 Lakh in Year 1 to ₹2.5 Lakh in Year 5, ensuring comfortable debt coverage. The project report must include CMA data: current ratio, debt-equity ratio, and operating cycle assumptions.
1. Prepare project report: Use the template provided on this page, customize with your location and cost estimates. Ensure all financial projections are realistic. 2. Gather documents: Aadhaar, PAN, address proof, bank statement (6 months), passport-size photos, caste certificate (if applicable for PMEGP), and project report. 3. Apply online/offline: For MUDRA, visit any bank branch or apply via MUDRA portal. For PMEGP, apply through the KVIC online portal (www.kviconline.gov.in). 4. Submit to bank: After PMEGP approval, approach a bank for loan disbursement. 5. Loan sanction & disbursement: Bank verifies project report, assesses creditworthiness, and sanctions loan. Disbursement is usually in one go. 6. Start your dhaba: Use funds to set up location, purchase equipment, and begin operations. Keep all receipts for subsidy claim. 7. Claim subsidy: For PMEGP, subsidy is released to bank after project implementation. For MUDRA, no subsidy but lower interest rates. 8. Repay EMI: Set up auto-debit or pay manually. Maintain proper books of accounts for future audits.
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Financing structured for a ₹2 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 ≈ ₹3,082/month on the ~₹1.8 Lakh term-loan portion (at 11% over 7 years), with ~₹20,000 promoter margin. The report computes exact figures.
Banks typically expect ~10% margin — about ₹20,000 for a ₹2 Lakh project — plus any scheme subsidy.
MUDRA Kishor, MUDRA Tarun, PMEGP fit this range. The report is configured to your chosen scheme.
The EMI is approximately ₹3,082 per month. This is calculated using the reducing balance method. You can use an EMI calculator to verify. The total interest payable over 7 years is about ₹78,888.
Yes, if you are a new entrepreneur, you can get a subsidy of 15% (general) or 25% (SC/ST/OBC/women/rural) of the project cost, capped at ₹30,000 and ₹50,000 respectively for a ₹2 Lakh project. The subsidy is released after project implementation.
You need Aadhaar, PAN, address proof, bank statement (last 6 months), project report, and passport-size photos. For PMEGP, additional documents include educational certificates, caste certificate (if applicable), and a detailed project report.
No, loans up to ₹10 Lakh under MUDRA are covered by CGTMSE, so no collateral is needed. However, the bank may ask for a personal guarantee. For PMEGP, no collateral is required for loans up to ₹10 Lakh.