स्टैंड-अप इंडिया योजना 2026: SC/ST/महिलाओं के लिए लोन
Quick facts: ₹10 lakh – ₹1 crore composite loan for greenfield enterprise · eligible: SC/ST or women entrepreneur aged 18+ · 7-year repayment, 18-month moratorium · portal standupmitra.in · every bank branch lends to at least 1 SC/ST + 1 woman per year mandate.
Launched on 5 April 2016, Stand-up India is the Government’s dedicated lending scheme for Scheduled Caste, Scheduled Tribe, and women entrepreneurs setting up new (greenfield) businesses. While Mudra handles micro-level loans, Stand-up fills the mid-size gap — ₹10 lakh to ₹1 crore — with guaranteed bank access and a strong support framework.
Every Scheduled Commercial Bank branch in India has a legal mandate to sanction at least one Stand-up India loan to an SC/ST borrower and one to a woman borrower each year.
Stand-up India क्या कवर करता है — What the Scheme Does
- Loan range: ₹10 lakh – ₹1 crore (composite: term loan + working capital combined)
- Interest rate: bank’s MCLR + up to 3% + tenor premium (effectively ~9-12% typically)
- Tenure: up to 7 years
- Moratorium: up to 18 months before EMI starts (gives your business time to generate revenue)
- Margin: 25% of project cost to be brought by you; can be covered partly via convergent state schemes
- Coverage: supports greenfield (new) enterprise only — not expansion of existing business
- Sectors: manufacturing, services, trading — all qualify
- Collateral: may be required above certain loan sizes (bank-specific); CGSSI credit guarantee available
पात्रता — Who Qualifies
Primary eligibility
- Indian citizen aged 18+
- Belongs to at least one of these categories:
- Scheduled Caste (SC)
- Scheduled Tribe (ST)
- Woman entrepreneur
- No default on any previous bank loan
- Fresh (greenfield) enterprise — not expansion / takeover / existing unit
Enterprise structure
- Sole proprietorship / partnership / LLP / private limited company
- For non-individual entities, 51%+ stake held by SC/ST/woman promoter(s)
आवश्यक दस्तावेज़ — Documents Required
Identity and category
- Aadhaar card
- PAN card
- Caste certificate (for SC/ST)
- Gender certification is not separately needed — Aadhaar gender entry suffices for women
Enterprise
- Detailed business plan (3-year financials, market analysis, operational plan)
- Business registration — Udyam certificate / partnership deed / Articles of Incorporation
- Project cost estimate with supplier quotations
- Location proof — rental agreement / property papers
- GST registration (if turnover above threshold)
Financial
- Personal bank statement (12 months)
- ITR (if filed; not mandatory for fresh entrepreneurs)
- Cash-flow projection for 3 years
आवेदन कैसे करें — How to Apply
Option 1: Stand-up India Portal (recommended)
- Open https://www.standupmitra.in
- Register as “Individual Borrower” or “Non-individual Borrower”
- Enter personal + business details
- Select preferred bank + branch
- Upload documents
- Submit → receive Application ID
- Portal routes your application to the chosen branch
- Handholding support available via portal — trainers, consultants, mentors assigned based on your sector
Option 2: Direct bank application
- Visit any PSU/private bank branch
- Ask for “Stand-up India Composite Loan”
- Fill form + attach documents
- Bank does credit appraisal + project viability check (typically 30-60 days)
- Loan sanctioned → loan agreement signed → disbursement
Option 3: LDMs and DICs
Lead District Managers (LDMs) and District Industries Centres (DICs) help with applications in every district. Useful for first-time entrepreneurs unfamiliar with bank processes.
Credit Guarantee via CGSSI
Credit Guarantee Scheme for Stand-up India (CGSSI) covers bank risk for loans up to ₹1 crore — reducing collateral requirement significantly. Banks charge a small guarantee fee (usually ~2% of loan amount) that’s factored into processing.
Handholding Support (Free)
Stand-up India’s unique feature: free pre-disbursal mentoring available via standupmitra.in:
- Business plan assistance
- Market research
- Financial projection help
- Banking document preparation
- Post-disbursal monitoring
Connect with mentors/trainers directly on the portal.
Loan Amount and Project Structure
- Bank finances up to 75% of project cost
- Your margin (25%) can be:
- Own contribution
- Convergent state scheme (e.g., SC/ST Development Corporation grant)
- Seed capital fund
- PMEGP margin contribution (if applicable)
Example calculation
| Item | Amount |
|---|---|
| Total project cost | ₹20 lakh |
| Bank loan (75%) | ₹15 lakh |
| Your margin (25%) | ₹5 lakh |
| — of which, own contribution | ₹2 lakh |
| — convergent state grant | ₹3 lakh |
हेल्पलाइन — Official Helpline
| Service | Number |
|---|---|
| Stand-up India Helpline | 1800-180-1111 |
| SIDBI (scheme nodal) | 022-67531155 |
| Portal | https://www.standupmitra.in |
FAQ — Common Questions
Can I apply for Stand-up India AND PM Mudra simultaneously? Not for the same project. Mudra is for smaller loans (up to ₹20 lakh); Stand-up India is for larger (₹10 lakh – ₹1 crore). Use whichever matches your loan size; using both for one business is not permitted.
What if I fail my business — does my house get seized? If loan is covered under CGSSI (typical for smaller Stand-up loans), no personal collateral is taken, so no asset seizure. For larger loans with specific collateral, the bank can enforce the security terms. Fresh entrepreneurs should always check CGSSI coverage before signing.
Does Stand-up India support expansion of existing business? No. Only greenfield (fresh) enterprises. For expansion, use PM Mudra (Tarun/Tarun Plus), NSIC, or SIDBI schemes.
Is caste certificate absolutely necessary for SC/ST eligibility? Yes. Bank verifies via caste certificate issued by the competent authority (Tehsildar/SDM). For women entrepreneurs, no caste certificate needed — but for an SC/ST woman, the caste certificate combines the benefit of both.
How long from application to loan disbursement? Typically 60-90 days — longer than Mudra because project appraisal is more detailed. With proper documentation and business plan, timeline can shrink to 45 days.
Can I use the loan for import of machinery? Yes, if the machinery is part of your business plan and supports the enterprise. Capital expenditure for machinery (new / imported) is explicitly allowed.
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Last verified: 20 April 2026. Official source: https://www.standupmitra.in