What time Sehri Should be Stopped ?

Isn't fajr time and dawn time totally different? In my namaz table, fajr namaz time is at 5:20, does it mean I should stop eating at 5:20am? But looking outside it is totally dark upto 6am and dawn is not until 6:15 am, does that mean you are still allowed to eat even after the azan? Or does it make the roza Makrooh?