For a ₹5 Lakh restaurant business, a bank-ready project report is your gateway to a MUDRA Tarun loan (up to ₹10 Lakh) or PMEGP subsidy. This report includes CMA data, DSCR, and 5-year financial projections tailored to NIC 56101. Whether you're opening a dhaba in Punjab or a fast-food joint in Bangalore, the report demonstrates viability to lenders. It covers promoter margin (₹50,000), term loan (₹4.5 Lakh), and EMI of ~₹7,705/month at 11% over 7 years. With CGTMSE cover, no collateral is needed. The report also helps you claim PMEGP subsidy (35% of project cost in general areas, 25% in others) and ensures your loan application is processed faster. Get a customized, bank-approved format with realistic assumptions for your city and cuisine type.
Eligibility for a ₹5 Lakh restaurant loan under MUDRA or PMEGP requires the applicant to be an Indian citizen, aged 18+, with a viable business plan. Priority is given to SC/ST/OBC/women/PH under PMEGP. CGTMSE eliminates the need for collateral. Key documents: PAN, Aadhaar, GST registration (if applicable), FSSAI license, and shop establishment certificate. A project report with 5-year financials, DSCR >1.25, and CMA data is essential. CIBIL score of 700+ improves approval chances. PMEGP applicants must complete an EDP training before loan disbursement.
Total project cost: ₹5 Lakh. Promoter margin: ₹50,000 (10%). Term loan: ₹4.5 Lakh. Under PMEGP, subsidy of 35% (₹1.75 Lakh) for general category in plain areas, or 25% (₹1.25 Lakh) for others, reduces the loan amount. EMI at 11% for 7 years: ₹7,705/month. Typical cost breakup: kitchen equipment ₹2 Lakh, furniture ₹1 Lakh, interior ₹1 Lakh, working capital ₹50,000, other ₹50,000. Adjust based on your specific restaurant type and location.
Follow these steps: 1. Get a customized project report with CMA, DSCR, and 5-year projections. 2. Approach a bank (SBI, PNB, Canara) for MUDRA Tarun or PMEGP. 3. For PMEGP, apply on pmegp.kvic.gov.in first. 4. Complete mandatory EDP training for PMEGP. 5. Bank verifies documents and sanctions loan. 6. Sign agreement, pay promoter margin, and avail CGTMSE cover. 7. Loan disbursed in one or two tranches. 8. Start operations and repay EMI after a 6-month moratorium.
Every report is formatted to the exact standards required by Indian banks and government departments.
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Financing structured for a ₹5 Lakh restaurant: margin, term loan & EMI.
Scheme-ready for MUDRA Tarun, PMEGP, CGTMSE.
Exact means of finance, CMA, DSCR ≥ 1.50 in the generated report.
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Indicatively ≈ ₹7,705/month on the ~₹4.5 Lakh term-loan portion (at 11% over 7 years), with ~₹50,000 promoter margin. The report computes exact figures.
Banks typically expect ~10% margin — about ₹50,000 for a ₹5 Lakh project — plus any scheme subsidy.
MUDRA Tarun, PMEGP, CGTMSE fit this range. The report is configured to your chosen scheme.
The EMI is approximately ₹7,705 per month. This is calculated using the formula: EMI = P × r × (1+r)^n / ((1+r)^n - 1), where P=₹4,50,000 (loan amount after promoter margin), r=0.917% monthly (11% annual), n=84 months. Use a loan calculator to verify.
Yes, PMEGP offers a subsidy of 35% (₹1.75 Lakh) for general category in non-hilly areas, and 25% (₹1.25 Lakh) for others. The subsidy is credited to your loan account after project implementation. You must contribute 10% promoter margin. The effective loan reduces accordingly.
You need: PAN card, Aadhaar, address proof, business plan/project report, GST registration (if applicable), FSSAI license, shop establishment certificate, bank statements (6 months), IT returns (if any), and CGTMSE declaration. For PMEGP, additional EDP certificate and KVIC application are required.
No collateral is needed because the loan is covered under CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises). The guarantee cover is up to 85% of the loan amount. However, personal guarantee of the promoter is required. This makes it easier for first-time entrepreneurs.