Guddu bhai Kanpur ke Naveen Market ke paas ek chhota sa chai stall chalate hain.
Subah 6 baje se raat 10 baje tak. Rs.1,500-1,800 roz ki sale. Chai, samosa, namkeen — sab kuch. Customers loyal hain — mohalle ke log, office workers, auto drivers.
2 saal ho gaye. Guddu bhai ne ek sapna dekha — proper chai ki dukaan. Chaar table, ek refrigerator, thanda drinks bhi. Shayad ek electric kadhai bhi.
Rs.80,000 chahiye. Unke paas Rs.15,000 hain.
Ek din ek customer ne kaha — “Mudra loan lo yaar. Chhote business ke liye hi hai.”
Guddu bhai ne socha — “Tea stall ke liye Mudra Loan bhi milega kya?”
Haan bhai. Bilkul milega.
Chai stall ya tea stall — yeh ek legitimate business hai. India mein 10 lakh se zyada chai stalls hain. Mudra Yojana specifically street vendors aur food businesses ko target karti hai. Aur 2026 mein process pehle se zyada aasaan ho gayi hai.
Quick Answer — Chai Stall Mudra Loan
5 zaroori points:
- Kitna milega: Rs.50,000 se Rs.5 Lakh (Mudra Shishu ya Kishore)
- Kya khareedne ke liye: Equipment, furniture, refrigerator, renovation, working capital
- Zaroori documents: Aadhaar, PAN, stall address proof, project report
- Project report: MudraReady par Rs.399 mein 30 minute mein ready — mudraready.in
- Approval time: 7-21 working days
Chai Stall / Tea Stall Ke Liye Mudra Loan — Kya Milta Hai?
Chai stall ek food and beverage business hai — aur PMMY mein food businesses specifically included hain.
Loan se kya khareed sakte ho:
Term Loan (Equipment aur Setup):
- Gas stove, electric kadhai — commercial grade
- Refrigerator — cold drinks aur juice ke liye
- Tables, chairs, benches — seating area
- Display cabinet — namkeen, biscuits
- Water purifier
- Signboard aur shop decoration
- CCTV — security ke liye
Working Capital Loan:
- Chai, milk, sugar — initial stock
- Gas cylinders — pehle 2-3
- Namkeen, biscuits, snacks — daily inventory
- Disposable cups, plates
Loan Amount Guide:
| Stall Type | Investment | Mudra Category |
| Basic chai thela (upgrade) | Rs.30,000 — Rs.60,000 | Shishu |
| Proper chai stall — 4 tables | Rs.60,000 — Rs.1.5 Lakh | Shishu/Kishore |
| Small cafe style | Rs.1.5 — Rs.3 Lakh | Kishore |
| Full tea cafe + snacks | Rs.3 — Rs.5 Lakh | Kishore |
Chai Stall Mudra Loan Documents — Complete List
Personal Documents:
- Aadhaar Card — original + 2 photocopies
- PAN Card — original + photocopy
- 2 passport size photos
Business Documents:
- Stall / shop address proof — koi bhi ek: rent agreement, bijli bill, municipality permission
- FSSAI Food Licence — strongly recommended (agar nahi hai toh banwao — online milta hai Rs.100 mein)
- Udyam Registration — free, helpful for CGTMSE coverage
- PM SVANidhi registration — agar street vendor ho toh yeh specially helpful hai
Financial Documents:
- Bank statement — last 6 months (agar account hai)
Sabse Zaroori — Project Report:
Project report mein chai stall ke liye:
- Daily sales estimate — realistic
- Monthly revenue projection
- Expenses — milk, chai, gas, rent, labour
- Net income aur EMI affordability
- DSCR ratio
MudraReady par “Tea Stall / Juice Shop” category select karo. Rs.399 mein 30 minute mein ready.
Abhi banao: mudraready.in
Chai Stall Ke Liye Mudra Loan Kaise Milega — Step by Step
Step 1 — FSSAI Food Licence Banwao
Chai stall food business hai — FSSAI registration compulsory hai. Online apply karo — fssai.gov.in. Basic registration Rs.100/year. 7-10 din mein certificate.
Yeh loan mein bhi helpful hai aur legally bhi zaroori hai. Iske bina municipality nahin deta aur bank hesitant ho sakta hai.
Step 2 — PM SVANidhi Check Karo (Street Vendors Ke Liye)
Agar aap thele ya footpath pe chai bechte ho — PM SVANidhi scheme check karo pehle:
- Rs.10,000 collateral-free loan — process bahut simple
- Rs.20,000 aur Rs.50,000 ke second aur third loans bhi milte hain
- Digital payments pe cashback bhi milta hai
- Yeh Mudra loan se alag hai — dono saath le sakte ho
PM SVANidhi ke liye: pmsvnidhi.gov.in ya nearest ULB (Urban Local Body) office.
Step 3 — Project Report Banao
Chai stall ke liye realistic numbers kya hote hain:
| Item | Entry Level (Thela) | Established Stall (Shop) |
| Daily Cups Sold | 100-150 | 200-350 |
| Average Selling Price | Rs.10-15 | Rs.15-20 |
| Daily Revenue | Rs.1,200-1,800 | Rs.3,000-5,000 |
| Monthly Revenue | Rs.31,200-46,800 | Rs.78,000-1,30,000 |
| Milk + Chai + Gas | Rs.9,000-14,000 | Rs.23,000-39,000 |
| Rent | Rs.0-3,000 | Rs.3,000-8,000 |
| Labour (1 helper) | Rs.3000-4,000 | Rs.5,000-8,000 |
| Net Monthly Income | Rs.14,000-22,000 | Rs.40,000-65,000 |
Realistic numbers. Bank officer ko pata hai chai stall kitna kamaata hai. Zyada mat dikhao.
MudraReady par yeh sab enter karo — DSCR, EMI, 5 year projection — sab automatically nikalta hai.
CA ko Rs.3,000 mat do. Rs.399 mein 30 minute mein bank-ready report.
Abhi banao: mudraready.in
Step 4 — Bank Choose Karo
| Bank | Best For Chai Stall | EProcess |
| SBI | Sab type ke businesses | Branch ya YONO |
| PNB | North India — UP, Bihar, Delhi | Branch |
| UCO Bank | East India focus | Branch |
| Regional Rural Banks | Semi-urban aur rural areas | Local branch |
| SIDBI MFIs | First-time borrowers | Easy documentation |
SVANidhi ke liye: Nearest Municipal Corporation ya PMY portal.
Step 5 — Apply Karo
Documents aur project report saath leke bank mein jao. Mudra loan form bharo. Submit karo.
Online: jansamarth.in — government unified Mudra loan portal.
Step 6 — Verification aur Disbursement
7-21 working days mein approval. Kuch cases mein bank stall location visit karta hai.
CGTMSE ke under — collateral nahi lagta Rs.10 Lakh tak.
Disbursement ke baad:
- Equipment kharidoge — invoice bank ko submit karo
- Working capital — account mein credit
- EMI 1 mahine baad shuru
Chai Stall Income vs EMI — Real Calculation
Ek Realistic Example (Rs.80,000 loan, Existing Stall Upgrade):
| Item | Monthly |
| Revenue (140 cups/day × Rs.15 × 26 days) | Rs.54,600 |
| Milk + Tea + Sugar + Gas | Rs.16,380 |
| Rent | Rs.3,000 |
| Helper (1 person) | Rs.6,000 |
| Miscellaneous | Rs.1,500 |
| Net Monthly Income | Rs.27,720 |
| EMI (Rs.80,000, 5yr, 10%) | Rs.1,700 |
| Income After EMI | Rs.26,020 |
DSCR = 27,720 / 1,700 = 16.3 — excellent. Loan approval high probability.
Chai Stall Ko Profitable Kaise Banao — 5 Ideas Jo Loan Se Fund Ho Sakti Hain
Idea 1 — Cold Drinks aur Juice Add Karo
Rs.15,000 ka refrigerator Mudra loan se. Nimbu paani, lassi, packaged drinks — margin 40-60%. Summer mein extra Rs.8,000-12,000 monthly.
Idea 2 — Snacks Counter Add Karo
Rs.10,000 ka display cabinet. Namkeen, biscuits, chips — low investment, high impulse purchase. Extra Rs.5,000-8,000 monthly.
Idea 3 — Digital Payment QR Code
Free — PhonePe, GPay se. Customer happy, no change problem, aur PM SVANidhi ke cashback bhi milta hai digital transactions pe.
Idea 4 — Early Morning Corporate Delivery
Office areas ke paas chai stall ke liye offices ko morning delivery offer karo. 20-30 cups per office × 3-4 offices = Rs.3,000-4,000 extra daily.
Idea 5 — Seating Area With WiFi
Rs.20,000 mein 4 tables + chairs. Free WiFi ka sign lagao (mobile hotspot se bhi kaam chalega). Log zyada time spend karte hain — order bhi zyada karte hain.
Yeh sab loan se fund ho sakta hai — project report mein mention karo ki kya kya khareedna hai.
Conclusion — Guddu Bhai Ka Proper Chai Ka Adda Bana Ke Rahega
Wapas aate hain Kanpur ke Guddu bhai pe.
Unhe sirf yeh karna tha:
- FSSAI registration — Rs.100, online, 1 hafte mein
- PM SVANidhi check karna — pehle Rs.10,000 seedha milega
- MudraReady par project report banana — Rs.399, 30 minute
- SBI ya nearest bank mein jaana — Kishore loan Rs.80,000
- 2 hafte wait karna
- Refrigerator lena, 4 tables lagana, signboard banana
Itna hi tha.
Chai stall se chai sirf nahi bikti — ek community banta hai. Loyal customers. Daily income. Grow hoti rahti hai.
Rs.399 mein project report banao aur bank loan ke liye ready ho jao.
Abhi banao: mudraready.in
Yeh Bhi Padho — Related Posts:
- Mudra Loan Project Report Kaise Banaye — Complete Guide 2026
- Restaurant Dhaba ke Liye Loan Kaise Milega
- Mudra Loan Documents List 2026
- UP Mein Mudra Loan Kaise Milega 2026
- Udyam Registration Kaise Karein — Free Mein 10 Minute Mein
Disclaimer: MudraReady.in ek project report generation tool hai. Hum financial advisor nahi hain. PM SVANidhi aur FSSAI details government portal se confirm karein. Loan approval bank ke criteria pe depend karta hai.
Tea Stall Ke Liye Mudra Loan — Frequently Asked Questions
Kya footpath pe chai bechne wale ko bhi Mudra loan milega?
Haan — PM SVANidhi scheme specifically street vendors ke liye hai. Rs.10,000 se shuru, phir Rs.20,000, phir Rs.50,000 — step-by-step. Aur regular Mudra loan bhi milta hai agar thoda setup hai. FSSAI basic registration aur municipality vendor certificate hona helpful hai. Aadhaar aur koi bhi address proof se apply ho jaata hai PM SVANidhi mein.
Chai stall ke liye FSSAI licence zaroori hai kya?
Technically food business ke liye zaroori hai — aur Rs.10,000 se kam turnover pe sirf registration hoti hai (Rs.100/year). Bina FSSAI ke bhi loan apply ho sakta hai — lekin bank thoda hesitant ho sakta hai. Safer hai ki pehle FSSAI banwao — fssai.gov.in pe online process mein sirf Rs.100 aur 1 hafte ka time lagta hai.
Tea stall ke liye Mudra loan mein milk aur chai ka stock bhi cover hoga?
Haan — working capital loan mein starting stock — milk, chai, gas, namkeen — sab include ho sakta hai. Typically total loan ka 30-40% working capital hota hai. Project report mein clearly mention karo — term loan kisme jaayega (equipment) aur working capital loan kisme (stock aur daily expenses).
Mera stall rent pe nahi — khud ki jagah pe hai — kya address proof dena hoga?
Apni jagah ka proof — property documents ya ghar ka Aadhaar address — use kar sakte ho. Agar khud ki zameen ya property hai toh woh ownership proof bhi bank mein submit karo. Property ownership se loan approval easy hoti hai — bank ko lagta hai aap kahin nahi jaoge.
Chai stall wala pehle se Mudra loan le chuka hai — doosra le sakta hai?
Agar pehla loan chukta gaya hai — completely ya significantly — toh doosra loan higher amount mein le sakte ho. Shishu se Kishore mein upgrade karo. Bank previous loan repayment history dekhega — agar good record hai toh approval fast hoti hai. Yeh credit history banana ka ek seedha tarika bhi hai chhote businesses ke liye.
