Planning to open a dhaba with a ₹50 lakh investment? A bank-ready project report is your first step to secure a loan. This page covers the complete financial blueprint for a dhaba under NIC 56104, including a ₹5 lakh promoter margin, ₹45 lakh term loan, and EMI of approximately ₹77,051/month at 11% over 7 years. We detail eligibility under MUDRA Kishor (₹5-10 lakh), MUDRA Tarun (₹10-50 lakh), and PMEGP subsidy (up to 35% for general, 25% for urban). The report includes CMA data, DSCR (typically >1.5), and 5-year financial projections to satisfy bank norms. Whether you are in Punjab, Rajasthan, or Uttar Pradesh, this guide helps you approach SBI, PNB, or any public sector bank with confidence.
For a ₹50 lakh dhaba, you can apply under MUDRA Tarun (₹10-50 lakh) or PMEGP (subsidy for new units). Eligibility: Indian citizen, age 18+, no default history. For PMEGP, you need a project report and margin money (10-20% of project cost). CGTMSE coverage up to ₹2 crore (no collateral for loans up to ₹50 lakh). MUDRA does not require collateral. Priority sector lending applies. Banks check CIBIL score (preferably 700+), business viability, and location. If you already run a dhaba, expansion loans are also possible under MUDRA.
Total project cost: ₹50 lakh. Promoter contribution: ₹5 lakh (10%). Term loan: ₹45 lakh (90%). Breakup: Land (if owned, else leasehold) – ₹5 lakh; Construction/Renovation – ₹20 lakh; Kitchen equipment – ₹10 lakh; Furniture & fixtures – ₹5 lakh; Working capital – ₹10 lakh (including initial raw material, utensils, and 3-month operating expenses). Loan tenure: 7 years. Interest rate: 11% p.a. (MCLR + spread). EMI: ₹77,051/month. DSCR: 1.5-2.0 based on projected net profit of ₹15-20 lakh annually. Repayment starts after 6-month moratorium.
Key documents: 1. Duly filled application form with photograph. 2. Project report (CMA data, 5-year projections). 3. KYC: Aadhaar, PAN, Voter ID. 4. Address proof of dhaba (lease/rent agreement or ownership). 5. Quotations for equipment and construction. 6. Caste certificate (if applying for PMEGP subsidy). 7. Bank statements (last 6 months of personal/ business accounts). 8. IT returns (last 2-3 years if applicable). 9. No objection certificate from local municipality. 10. Partnership deed/ MoA if firm. Ensure all documents are self-attested.
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Financing structured for a ₹50 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 ≈ ₹77,051/month on the ~₹45 Lakh term-loan portion (at 11% over 7 years), with ~₹5 Lakh promoter margin. The report computes exact figures.
Banks typically expect ~10% margin — about ₹5 Lakh for a ₹50 Lakh project — plus any scheme subsidy.
MUDRA Kishor, MUDRA Tarun, PMEGP fit this range. The report is configured to your chosen scheme.
Yes, dhaba (food service) is covered under PMEGP. For general category in urban areas, subsidy is 25% of project cost (max ₹12.5 lakh for ₹50 lakh project). For rural areas, 35% (max ₹17.5 lakh). Margin money is 10% for general, 5% for SC/ST/OBC. Apply through KVIC or DIC.
Yes, highway dhabas are eligible. Banks may require additional documents like NHAI approval or land lease. Location near highway increases viability. Ensure proper parking and waste disposal plan. MUDRA loans do not restrict location.
EMI = ₹77,051 per month (approx). Total interest payable over 7 years: ₹19.73 lakh. Total repayment: ₹64.73 lakh. Use an EMI calculator to verify. Prepayment may have 2-3% penalty.
For loans up to ₹50 lakh under MUDRA or CGTMSE, no collateral is required. For PMEGP, collateral is not needed. However, banks may ask for personal guarantee. For loans above ₹50 lakh, collateral may be required.