Top Business Ideas Under 10 Lakhs Investment

Starting your own business no longer requires crores in investment. With the right planning and execution, launching a profitable business under ₹10 lakhs in India is very much possible, even in today’s competitive market. Whether you are looking to start small or scale later, ₹10 lakhs can open up a variety of lucrative opportunities.

For aspiring entrepreneurs with limited capital, getting access to a business loan can help you kickstart or expand these ideas with ease. Here’s a look at some of the best 10 lakh business ideas that offer high potential returns across different industries.

Food Truck Business

The Indian food industry is booming, and mobile eateries are leading the way in terms of profitability and low overheads.
Within this budgeted amount, you can easily set up a fully-equipped food truck serving popular street food, fast food, or regional cuisine. The flexibility of changing locations, relatively low rentals, and increasing demand make this a solid business to start with 10 lakhs.

Initial Setup includes:

• A second-hand or a modified vehicle
• Kitchen equipment & safety fittings
• Licenses and registrations
• Staff hiring & initial inventory

Ideal For: Young entrepreneurs, chefs, or foodies
Business loan usage: To purchase the vehicle and customise it for kitchen use

Boutique or Custom Clothing Store

Fashion is an evergreen industry in India. A boutique with unique designs, tailoring services, or ethnic/fusion wear can attract a loyal customer base.
This is one of the best business ideas under 10 lakhs, especially in metros and tier-2 cities where fashion-conscious consumers are always seeking something different.
Costs Typically Cover:

• Rent & interior décor
• Inventory and fabric sourcing
• Hiring tailors/designers
• Marketing & branding

Niche Ideas include:

• Bridal boutique
• Kidswear store
• Sustainable/fabric-specific clothing

Business loan usage: For store setup, initial working capital and inventory ✔️

Franchise Business Under 10 Lakhs

Owning a franchise can be a great shortcut to profitability because of the existing brand recognition and business model.
Many well-known brands offer franchise businesses under 10 lakhs in sectors like fast food, education, beauty, and delivery services.
Popular Options Include:

• Food & beverage chains (chai cafés, dessert outlets)
• Preschool or daycare franchises
• Courier & logistics franchises
• Salon & grooming services

Benefits:

• Established training & support
• Ready customer base
• Standardised operations

Business loan usage: To pay franchise fees and operational setup costs

Cloud Kitchen

A cloud kitchen operates entirely online, preparing food for delivery without a dine-in facility. It’s a smart way to reduce overheads and reach more customers through food delivery apps.
This is among the smartest business ideas under 10 lakhs, especially post-pandemic, when digital food ordering became the norm.
Investment Breakdown:

• Kitchen space rent & setup
• Cooking equipment
• Packaging supplies
• Online branding & marketing

Pro Tip: Choose a cuisine with high demand and low food costs, such as biryani, combos, or desserts.
Business loan usage: For equipment, working capital and initial marketing 

Mobile or Laptop Repair Shop

With millions of smartphone and laptop users across India, repair services are in high demand. Starting a small tech repair centre can be one of the most practical business ideas for 10 lakh today.
Key Expenses Include:

• Renting a commercial space
• Buying diagnostic and repair tools
• Sourcing spare parts
• Training (if needed)

You Can Also Offer:

• Buyback services
• Accessory sales
• Home service for premium clients

Business loan usage: To buy tools, hire technicians and stock spare parts 

Digital Marketing Agency

Every small business today wants an online presence. If you have digital marketing skills or can hire a small team, setting up your own agency is one of the smartest business ideas under 10 lakhs.
Services You Can Offer:

• Social media marketing
• Website development
• SEO and paid ads
• Content creation
• Content/ Creative writing

What You Need:

• Office setup (optional, can be remote)
• Laptops & software tools
• Skilled team/freelancers
• Basic marketing budget

Business loan usage: To invest in software licenses, team salaries and marketing 

Paper Bag or Eco Packaging Unit

As sustainability grows in importance, starting an eco-friendly packaging business is both profitable and socially impactful.
With ₹10 lakhs, you can start a small paper bag manufacturing unit or create compostable food containers for restaurants and local businesses.
Setup Includes:

• Machinery for cutting, folding & printing
• Raw material procurement
• Labour & logistics
• Local marketing

This is an ideal business that requires no investment in retail space, as it can be operated from a small warehouse or rented unit.
Business loan usage: For machinery purchase and raw material stocking 

Fitness Studio or Zumba Classes

If you’re into fitness, setting up a boutique studio for group classes like yoga, Zumba, pilates, or even martial arts is a growing trend, especially in urban neighbourhoods.
Required Investment Covers:

• Renting space
• Equipment (mats, weights, sound system)
• Instructor certifications
• Branding & social media marketing

Add-On Services:

• Personal training
• Fitness merchandise
• Nutritional counselling

Business loan usage: For equipment, interiors and pre-launch promotions 

Pet Grooming Services

Pet care is a booming market in India. Opening a small pet grooming centre or offering mobile grooming services is both rewarding and profitable.
You Will Need:

• Basic grooming equipment
• Trained staff or certification
• Portable setup (for mobile services)
• Insurance & licenses

Extra Income Streams:

• Pet accessories
• Organic pet food
• Pet sitting or boarding services

Business loan usage: For mobile van setup or renting a grooming space 

Turn Your Business Idea Into Reality

You don’t need massive capital to build a successful venture. These business ideas offer flexibility, growth potential and adaptability for new-age entrepreneurs. Whether you're planning a franchise business under 10 lakhs or exploring a niche market with a business without investment in physical space, the options are diverse and within reach.
If you're ready to begin but need help with funding, a business loan can provide the necessary boost to get started without draining your savings. It enables you to manage setup costs, inventory, and early-stage operations more efficiently, allowing you to focus on growth.
Starting a business with ₹10 lakhs is not just possible, it can be highly profitable when backed by smart planning and the right financial support.