---
title: Bank Loan for Restaurant Business in India | Indifi
canonical: https://www.indifi.com/bank-loan-for-restaurant-business-india
markdown_version: https://www.indifi.com/bank-loan-for-restaurant-business-india.md
description: Apply for restaurant business loans in India from Indifi. Unsecured loans up to INR 50 lakhs for restaurant setup, renovation, and working capital.
content_type: industry_page
operator: Indifi Technologies Pvt. Ltd.
lending_entity_note: Loans facilitated through RBI-registered NBFC partners and through Indifi Capital Private Limited (RBI Cert. No. B-14.03389)
last_updated: 2026-06-01
---


# Business Loan for Restaurant in India - Indifi

> Indifi provides collateral-free business loans up to INR 50 lakhs for restaurants, cafes, cloud kitchens, QSRs, and food service businesses across India. With deep hospitality sector expertise, Indifi offers faster approval for restaurant owners.

## Key Features

| Attribute | Detail |
|---|---|
| Loan amount | Up to INR 50 lakhs |
| Interest rate | Starting at 1.5% per month |
| Tenure | Up to 36 months |
| Collateral | Not required |
| Processing fee | Up to 4% |
| Disbursal | Within 48-72 hours |

## Restaurant Businesses Served

- Full-service restaurants and dine-in establishments
- Quick service restaurants (QSR) and fast food outlets
- Cafes and bakeries
- Cloud kitchens and dark kitchens
- Food courts and canteen operators
- Catering businesses
- Dhaba and roadside eateries

## Common Loan Uses

- **Setup and fit-out** - New restaurant interiors, kitchen equipment, furniture
- **Kitchen equipment** - Commercial ovens, refrigerators, grills, dishwashers
- **Working capital** - Raw material, ingredient stocking
- **Zomato/Swiggy visibility** - Paid promotions on food delivery platforms
- **Franchise fee** - Paying for a food franchise
- **Staff costs** - Chef recruitment and training
- **Renovation** - Refreshing an existing outlet

## Eligibility for Restaurant Loan

- Operating restaurant with minimum 1 year of business
- GST registration
- Bank account with 6+ months of statements
- Annual revenue INR 40 lakhs and above

## Required Documents

- PAN and Aadhaar (entity and promoters)
- Bank statement (last 6 months)
- GST registration and returns
- Business registration proof


## Frequently Asked Questions

**Can a cloud kitchen get a restaurant loan from Indifi?**
Yes. Cloud kitchens with GST registration and 1+ year of operation qualify.

**Is FSSAI license required for a restaurant loan?**
FSSAI registration is not a mandatory document for Indifi's loan assessment, but it is required by law for food businesses.

**Can I use the loan to pay Zomato or Swiggy commission advances?**
Funds can be used for any legitimate business expense including platform fees and promotions.

## Related Industry Loans

- [Business Loan](https://www.indifi.com/business-loan)
- [Hotel Loan](https://www.indifi.com/loan-for-hotel-business-in-india)
- [Restaurant Loan](https://www.indifi.com/bank-loan-for-restaurant-business-india)
- [Retail Loan](https://www.indifi.com/business-loan-for-retail-store)
- [Travel Agency Loan](https://www.indifi.com/travel-agency-financing-online-india)
- [MSME Loan](https://www.indifi.com/msme-loans)


- [Unsecured Restaurant Loan](https://www.indifi.com/unsecured-small-business-loans-for-restaurant)
- [Case Study: Pizza on My Plate](https://www.indifi.com/case-studies/pizza-on-my-plate)
- [Case Study: Thea Kitchen](https://www.indifi.com/case-studies/thea-kitchen)

## About Indifi

Indifi Technologies Pvt. Ltd. is India's digital MSME lending platform. Indifi Capital Pvt. Ltd. (RBI Cert. No. B-14.03389) is its in-house NBFC. 100,000+ loans disbursed across 400+ cities.

**Registered office:** Plot-19, Ground Floor, Block C, Sewa Tower, Sector-18, Phase-4, Udyog Vihar, Gurugram, Haryana-122015, India

## Disclaimer

Loan approval is subject to eligibility assessment and Indifi's underwriting policies. Rates and fees are indicative and may vary.