Stand-up India 2026: ₹10 Lakh - ₹1 Crore Loan for SC/ST/Women

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

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Last verified: 20 April 2026. Official source: https://www.standupmitra.in

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Who qualifies for Stand-up India loan?

Indian citizens aged 18 or above belonging to SC, ST, or women entrepreneur category, setting up a greenfield (new) enterprise.

Can Stand-up India fund expansion of existing business?

No. Stand-up India funds only greenfield (new) enterprises. For expansion, use PM Mudra Tarun/Tarun Plus, NSIC, or SIDBI schemes.

How long does Stand-up India loan take from application to disbursement?

Typically 60-90 days. Can shrink to 45 days with complete documentation and a clear business plan.

Is collateral required for Stand-up India loans?

Smaller loans are covered under the Credit Guarantee Scheme (CGSSI), reducing collateral requirement significantly. Larger loans may require specific collateral based on the bank’s appraisal.

Can I apply to Stand-up India and PM Mudra for the same project?

No. Stand-up India is for loans between ₹10 lakh and ₹1 crore; Mudra covers up to ₹20 lakh. Use one scheme per business; combining both for the same project is not allowed.