Restaurant Dhaba ke liye Loan Kaise Milega 2026 — Step By Step Samjhe
Suresh bhai Agra-Delhi highway ke paas ek chhoti si jagah pe dhaba chalaate hain. Roz subah 6 baje se raat 11 baje tak. Trucks, cars, local customers — din mein 80 se 100 log khana khate hain.
Seedha hisaab karo: Rs. 80 average plate. 90 customers daily. Rs. 7,200 per day. Mahine ka Rs. 2,16,000 gross revenue.
Ingredients, gas, ek helper ki salary, rent — roughly Rs. 1,40,000 kharcha. Net bachta hai Rs. 76,000 per month.
Lekin Suresh bhai ki problem thi — dhaba ki building kacchi thi. Barish mein pareshani. Ek second chulha chahiye tha — rush hours mein ek se nahi banta tha. Aur ek refrigerator chahiye tha fresh ingredients ke liye. Total investment chahiye tha Rs. 2.5 lakh.
Mudra loan ke liye apply kiya — 3 hafte mein Rs. 2 lakh sanction ho gaye. Aaj Suresh bhai ki monthly income Rs. 90,000+ hai.
Yeh post unke liye hai jo dhaba, restaurant, tiffin service, ya koi bhi food business shuru karna ya expand karna chahte hain.
Food Business ke liye Mudra Loan — Kya Cover Hota Hai
Mudra Yojana ke under food service businesses ek priority category hain. Dhaba, restaurant, tiffin service, tea stall, juice corner, catering business — sab eligible hain.
Loan se yeh cheezein khareed sakte ho:
Equipment ke liye — Commercial gas stove aur cylinder setup. Refrigerator aur deep freezer. Commercial mixer, grinder. Tandoor ya oven. Steel utensils aur cookware. Serving tables aur chairs.
Infrastructure ke liye — Kitchen renovation ya improvement. Flooring, painting, basic civil work. Signboard aur branding. Water connection improvement.
Working capital ke liye — Pehle 2-3 mahine ka ingredient stock. Gas cylinder deposits. Staff advance.
Loan categories:
Shishu (Rs. 50,000 tak) — Tea stall, small tiffin service, roadside food stall.
Kishore (Rs. 50,001 se Rs. 5 lakh) — Proper dhaba setup, medium restaurant.
Tarun (Rs. 5 lakh se Rs. 10 lakh) — Established restaurant expand karna, AC restaurant, multiple outlets.
Pehli baar ke liye Kishore category best hai — Rs. 1.5 lakh se Rs. 3 lakh mein decent dhaba setup ho jaata hai.
Kitne Mein Dhaba Ya Restaurant Shuru Hota Hai
Chhota roadside dhaba (Rs. 80,000 se Rs. 1.5 lakh):
2 burner commercial stove — Rs. 8,000 se Rs. 15,000. 4-6 tables, 16-24 chairs — Rs. 15,000 se Rs. 30,000. Basic steel utensils — Rs. 8,000 se Rs. 15,000. Refrigerator (second hand) — Rs. 8,000 se Rs. 15,000. Gas setup — Rs. 5,000 se Rs. 8,000. Signboard — Rs. 3,000 se Rs. 8,000. Initial ingredient stock — Rs. 20,000 se Rs. 30,000. Miscellaneous — Rs. 10,000 se Rs. 20,000.
Medium dhaba ya small restaurant (Rs. 2 lakh se Rs. 4 lakh):
Better quality equipment, 8-12 tables, proper kitchen setup, AC unit, branded signage, better interior.
Tiffin service from home (Rs. 30,000 se Rs. 80,000):
Commercial pressure cooker set — Rs. 5,000 se Rs. 10,000. Tiffin boxes 50-100 — Rs. 5,000 se Rs. 12,000. Delivery cycle ya scooter (secondhand) — Rs. 15,000 se Rs. 30,000. Basic packaging materials — Rs. 3,000 se Rs. 5,000.
Working capital: Minimum 2 mahine ka operations cost advance mein rakhna chahiye — Rs. 40,000 se Rs. 80,000 typical dhaba ke liye.
Total loan recommendation: Pehli baar ke liye Rs. 1.5 lakh se Rs. 2.5 lakh realistic amount hai. EMI manageable rahega aur revenue establish hone mein time milega.
Kya Documents Chahiye — Complete List
Personal documents — Aadhaar Card aur copy, PAN Card aur copy, 2 passport size photos, address proof.
Business documents — Shop ka rent agreement ya NOC from landlord agar commercial space hai. FSSAI (Food Safety) License — yeh food business ke liye compulsory hai. Rs. 100 se Rs. 500 mein milta hai basic registration. Bina iske bank loan difficult hota hai. Trade license local municipal corporation se — Rs. 200 se Rs. 1,000. Agar gas connection ke liye commercial cylinder chahiye toh gas agency se NOC.
Banking documents — 6 mahine ki bank statement. Active account mandatory.
Project report — Kitna invest karoge, daily customers ka estimate, monthly revenue, expenses, loan repayment plan. Bank officer yeh dekhke decide karta hai.
Food business project report MudraReady pe Rs. 399 mein bana sakte ho — “Restaurant” ya “Dhaba” select karo: mudraready.in
Udyam Registration — Free, 10 minute mein. udyamregistration.gov.in pe karo. Loan approval chances improve hote hain.
Important: FSSAI license food business ke liye sabse zaroori extra document hai — pehle yeh banwao. Basic FSSAI registration (annual turnover Rs. 12 lakh tak) — Rs. 100/year. State license (Rs. 12 lakh se Rs. 20 crore turnover) — Rs. 2,000 to Rs. 5,000.
Food Business Mein Kitni Income Hoti Hai — Real Numbers
Log often ya toh overestimate karte hain ya underestimate. Real numbers dekhte hain.
Roadside dhaba (busy location):
Average customers per day — 60 se 120. Average order value — Rs. 60 se Rs. 120. Daily revenue — Rs. 3,600 se Rs. 14,400. Monthly revenue — Rs. 1,08,000 se Rs. 4,32,000. Net margin 30-40% — Monthly net Rs. 32,000 se Rs. 1,73,000.
Small tiffin service (residential area):
50 tiffins per day at Rs. 80-120 — Rs. 4,000 se Rs. 6,000 daily. Monthly — Rs. 1,20,000 se Rs. 1,80,000. Expenses (ingredients, packaging, delivery) 50-55% — Net Rs. 54,000 se Rs. 81,000.
Tea stall (busy commercial area):
150-300 cups per day at Rs. 10-20 — Rs. 1,500 se Rs. 6,000 daily. Plus snacks — Rs. 500 se Rs. 2,000 extra. Monthly — Rs. 60,000 se Rs. 2,40,000. Net margin 40-50% — Rs. 24,000 se Rs. 1,20,000.
Cloud kitchen (Zomato/Swiggy registered):
Lower seating cost, delivery focused. 30-80 orders per day at Rs. 150-300 average. Monthly revenue Rs. 1,35,000 se Rs. 7,20,000. Platform commission 20-25% cut karo. Net margin 20-30%.
Sab se important factor: Location. Highway dhaba aur busy market mein dhaba ki income bahut zyada different hoti hai. Loan amount decide karne se pehle apni specific location ka footfall estimate karo.
FSSAI License Kaise Milega — Step by Step
Food business ke liye FSSAI license mandatory hai — yeh jaanta sabko hai lekin process pata nahi hoti.
Basic registration (annual turnover Rs. 12 lakh tak, annual fee Rs. 100):
fssai.gov.in/home/fss-act-rules-and-regulations/registration-and-licensing.html pe jaao. “Apply for License/Registration” pe click karo. Account banao. Form A fill karo. Documents upload karo — Aadhaar, photo, business address proof. Rs. 100 pay karo. Certificate 7-30 din mein aata hai.
State license (Rs. 12 lakh se Rs. 20 crore):
Zyaadatar dhabas aur restaurants state license ke under aate hain agar turnover Rs. 12 lakh se upar ho. Form B fill karna hota hai. Fee Rs. 2,000 to Rs. 5,000 per year. Processing 30-60 din.
FSSAI number milne ke baad use apne business board pe display karna mandatory hai.
Bank loan application ke time FSSAI registration certificate attach karo — isse application strong hoti hai aur loan officer confident hota hai ki aap seriously business kar rahe ho.
Kaunsi Bank Se Loan Lein — Best Options
SBI — Mudra loans ke liye sabse trusted. SBI e-Mudra portal pe Rs. 50,000 tak online apply kar sakte ho. Rs. 50,000 se upar branch visit karo. Food business ke liye SBI specifically receptive hai kyunki yeh employment generating sector hai.
Punjab National Bank (PNB) — “PNB Mudra” scheme available hai. Women food entrepreneurs ke liye additional benefits.
Bank of India — “Star Mudra” scheme. Competitive rates.
Canara Bank — Food service sector ko specifically support karta hai. “Mudra Loan” under PMMY available.
SIDBI (Small Industries Development Bank of India) — Direct loan nahi deta but SIDBI linked MFIs (Microfinance Institutions) se chhote amounts easy milte hain.
Microfinance institutions — Bandhan Bank, Ujjivan, Arohan. Rs. 50,000 se Rs. 2 lakh ke liye quick processing. Rural areas mein zyada useful.
Recommendation: Pehle jis bank mein savings account hai, wahan jaao. Relationship hone se processing fast hoti hai. Agar koi account nahi hai toh nearest SBI ya PNB branch mein jaao — wahan account kholo aur phir loan apply karo.
Step by Step Loan Apply Karne Ka Process
Step 1 — FSSAI registration karo. Food business ke liye mandatory hai. fssai.gov.in pe online apply karo. Basic registration Rs. 100/year.
Step 2 — Project report banao. MudraReady pe “Restaurant” ya “Dhaba” select karo. 5 minute mein bank-ready PDF ready: mudraready.in
Step 3 — Udyam Registration karo. udyamregistration.gov.in pe free mein 10 minute mein. Certificate download karo.
Step 4 — Documents collect karo. Aadhaar, PAN, photos, rent agreement, FSSAI certificate, bank statement, project report.
Step 5 — Bank branch mein jaao. Mudra loan ke liye specifically request karo. Loan officer ko project report dikhao.
Step 6 — Application submit karo. Reference number lo. 1-2 hafte follow up karo.
Step 7 — Sanction letter aur disbursement. Account mein amount aane ke baad equipment kharidna shuru karo.
Total timeline: 2-4 hafte SBI/PNB mein.
Abhi Yeh Karo — Dhaba Loan Ke 3 Steps
Pehla step — FSSAI registration apply karo aaj hi. fssai.gov.in pe Rs. 100 mein. Yeh pehle karo.
Doosra step — Project report banao. MudraReady pe Rs. 399 mein — restaurant ya dhaba select karo, 5 minute mein PDF ready: mudraready.in
Teesra step — Bank mein jaao. Documents lekar SBI ya nearest branch mein. Mudra Kishore loan ke liye apply karo.
Suresh bhai ne yahi kiya. Aaj unka dhaba din raat chal raha hai. Monthly Rs. 90,000+ net income. EMI Rs. 4,345 — kabhi miss nahi ki.
Aapka bhi ho sakta hai.
Project report banao abhi — sirf Rs. 399 mein: mudraready.in
FAQ :- Restaurant Dhaba ke liye Loan Kaise Milega
Dhaba ya restaurant ke liye Mudra loan mein kitna milta hai?
Dhaba aur restaurant ke liye Mudra loan Shishu mein Rs. 50,000 tak, Kishore mein Rs. 5 lakh tak, Tarun mein Rs. 10 lakh tak milta hai. Pehli baar ke liye Kishore (Rs. 1.5 lakh se Rs. 3 lakh) best hai. Equipment, furniture, working capital sab cover hota hai. Collateral nahi chahiye Rs. 10 lakh tak.
Kya highway dhaba ke liye specially koi scheme hai?
Highway dhabas ke liye specifically alag scheme nahi hai — Mudra Yojana mein hi eligible hain. Lekin highway location ki wajah se income projection zyada hoti hai jo loan approval strengthen karta hai. Kuch states mein tourism department highway food stalls ke liye subsidized loans deta hai — apne state tourism department se check karo. NHAI (National Highways Authority) ke paas bhi food concession programs hain large highway projects ke liye.
Food business mein Mudra loan reject kyon hota hai?
Food business Mudra loan rejection ke common reasons hain — FSSAI license nahi hai, project report weak hai ya nahi hai, CIBIL score low hai, bank account inactive hai, location ke liye NOC nahi hai. Sabse important: FSSAI license banwao pehle. Phir MudraReady se strong project report banao. CIBIL score improve karne ke liye pehle se existing loans timely pay karo. Hamare reject hone wale guide mein sabhi reasons detail mein explain hain.
Kya existing dhaba ke liye bhi loan milta hai?
Haan, existing dhaba expand karne ke liye Mudra loan milta hai — new equipment, additional seating, renovation, ya working capital ke liye. Existing business ke case mein past income proof strong hota hai — last 6 mahine ki bank statement jo regular revenue dikhaye. Approval rate existing businesses ke liye better hoti hai. Agar already loan chal raha hai toh ensure karo ki koi default nahi hai.
FSSAI registration aur license mein kya fark hai?
FSSAI Registration annual turnover Rs. 12 lakh tak ke small businesses ke liye hai — Rs. 100/year, online process, 7-30 din mein milta hai. FSSAI State License annual turnover Rs. 12 lakh se Rs. 20 crore ke liye — Rs. 2,000 to Rs. 5,000/year, thoda longer process. Zyaadatar chhote dhabas aur home-based food businesses basic registration se start kar sakte hain. Turnover badhne pe upgrade karna padta hai.
Dhaba project report kahan se banayein?
MudraReady pe Rs. 399 mein 10 minute mein bank-ready dhaba project report ban jaati hai. Form mein “Restaurant” ya “Dhaba” select karo, apni details bharo — expected daily customers, average order value, equipment cost, rent, staff salary. Automatically 17-page professional PDF generate hoti hai jisme 5-year P&L, cash flow, DSCR calculation sab hota hai — exactly jo SBI aur PNB maangte hain. Link: mudraready.in
