Planning to start or expand a dhaba with a ₹25 Lakh investment? This page provides a ready-to-use project report tailored for a dhaba business (NIC 56104) seeking a bank loan under MUDRA Kishor/Tarun or PMEGP. The project cost includes ₹2.5 Lakh promoter margin (10%), ₹22.5 Lakh term loan, and estimated EMI of ₹38,525/month at 11% over 7 years. A bank-ready project report includes CMA data, DSCR (typically >1.5), 5-year financial projections (P&L, balance sheet, cash flow), and break-even analysis. It also covers government scheme eligibility, subsidy details, and required documents. Whether you're in Punjab, Rajasthan, or Uttar Pradesh, this report helps you approach banks like SBI, PNB, or HDFC with confidence. Use this as a template and customize with your location-specific costs and permits.
To avail a ₹25 Lakh loan for a dhaba, you must be an Indian citizen aged 18+ (PMEGP: 18-60 years). For MUDRA Kishor (₹5-10 Lakh) or Tarun (₹10-20 Lakh), the loan amount is capped at ₹20 Lakh, so for ₹25 Lakh, consider PMEGP (subsidy up to 35% in general areas) or a composite loan under CGTMSE (collateral-free up to ₹2 Cr). PM Vishwakarma (for artisans) may not apply unless you have a traditional food processing skill. Stand-Up India (for SC/ST/women) offers up to ₹1 Cr. For PMEGP, margin money is 10-15% for general category, and the subsidy is back-ended. Ensure your dhaba project has a DSCR of at least 1.5 and a net worth sufficient for the loan.
Total project cost: ₹25 Lakh. Promoter contribution: ₹2.5 Lakh (10%). Term loan: ₹22.5 Lakh. Use of funds: Land lease/rent (₹3 Lakh), construction/renovation (₹8 Lakh), kitchen equipment (₹5 Lakh), furniture & fixtures (₹3 Lakh), refrigeration & storage (₹2 Lakh), signage & interiors (₹2 Lakh), working capital (₹2 Lakh). Bank loan tenure: 7 years (84 months). EMI at 11% p.a. (reducing balance) is approximately ₹38,525/month. Total interest payable over 7 years: ~₹9.8 Lakh. Ensure that your projected monthly sales (e.g., ₹4-5 Lakh with 40% food cost) generate enough net profit to cover EMI plus 20% buffer.
For a ₹25 Lakh dhaba loan, prepare: KYC (Aadhaar, PAN, Voter ID), proof of business address (rent agreement or utility bill), project report (with CMA, DSCR, projections), bank statements (last 6 months), IT returns (last 2-3 years), GST registration (if applicable), food license (FSSAI), and trade license. If applying under PMEGP, include the project report approved by KVIC, and for MUDRA, ensure the loan is below ₹20 Lakh. For collateral-free loans under CGTMSE, no security is needed. Keep a detailed list of equipment quotes and supplier invoices. Banks may also ask for a photograph of the proposed location.
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Financing structured for a ₹25 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 ≈ ₹38,525/month on the ~₹22.5 Lakh term-loan portion (at 11% over 7 years), with ~₹2.5 Lakh promoter margin. The report computes exact figures.
Banks typically expect ~10% margin — about ₹2.5 Lakh for a ₹25 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 ₹38,525 per month. This is calculated using a reducing balance method. Total interest over 7 years would be around ₹9.8 Lakh. Use a loan calculator to verify with your bank's exact rate.
Yes, under PMEGP, a dhaba project is eligible for subsidy of 15-35% of the project cost (max ₹25 Lakh). For general category in urban areas, subsidy is 15% (₹3.75 Lakh). The subsidy is back-ended, meaning it is released after the loan is disbursed and the project is implemented. You need to apply through KVIC or DIC.
Typically 10% (₹2.5 Lakh). For PMEGP, margin money is 10-15% for general category (₹2.5-3.75 Lakh). For MUDRA, no specific margin is mandated, but banks may ask for 10-20% depending on the borrower's profile. CGTMSE loans often require 10% promoter's contribution.
Public sector banks like SBI, PNB, Bank of Baroda, and Canara Bank are active under CGTMSE. They offer collateral-free loans up to ₹2 Cr. For a ₹25 Lakh dhaba, SBI's Mudra loan or PNB's PMEGP scheme work well. Compare interest rates (typically 9-12%) and processing fees. Approach your nearest branch with a project report.