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ActiveCentral Sector SchemeLaunched 2016-04-05Verified: 2026-09-16

Stand-Up India Scheme

Institutional bank credit program facilitating loans between ₹10 lakh and ₹1 crore to SC, ST, and Women entrepreneurs for greenfield enterprises.

Government Levelcentral Government
Administering BodyMinistry of Finance
Beneficiary Sector
Business & EntrepreneurshipWomen & Child Development
Applicable Jurisdiction
All India

₹Benefits & Entitlement Breakdown

Bank loans between ₹10,00,000 and ₹1,00,00,000 for setting up greenfield enterprises in manufacturing, services, agri-allied activities, or the trading sector. Every scheduled commercial bank branch is mandated to facilitate at least two loans: one to an SC/ST borrower and one to a woman borrower. Composite loan covering term loan and working capital. Concessional margin money requirement of up to 15% (can be converged with eligible state subsidy schemes). Repayment period up to 7 years with a moratorium of up to 18 months.

📊Budget Allocation & Beneficiary Reach

Fiscal Budget Allocation

Credit guarantee coverage provided by Credit Guarantee Fund for Stand Up India (CGFSI)

Official Budget Document ↗
Verified Beneficiary Reach

2.3+ Lakh entrepreneurs financed with over ₹53,000 Crore sanctioned

As of: 2024-03-31PIB / Official Citation ↗

Verified Eligibility Criteria

Age Requirement:Minimum 18 years
Annual Family Income Ceiling:No gross income ceiling specified
Target Occupations:entrepreneur, sc_st_entrepreneur, woman_entrepreneur, business_owner
Eligible Gender:all
Social Category / Reservation:SC, ST, all
Specific Operational Conditions & Exclusions:

Applicant must be an SC/ST individual or a Woman of any category. Enterprise must be a greenfield project (first-time venture in manufacturing, services, agri-allied, or trading). In case of non-individual enterprises, at least 51% of shareholding and controlling stake must be held by an SC/ST person or a woman. Borrower should not be in default to any bank or financial institution.

Required Documents Checklist

  • ✓
    Identity Proof (Aadhaar Card, PAN Card, Passport)Mandatory

    Mandatory applicant KYC identification.

  • ✓
    Caste Certificate (for SC/ST applicants)Optional / Supporting

    Mandatory if applying under SC/ST quota.

  • ✓
    Proof of Business Address & Greenfield Project SiteMandatory

    Title deed or registered lease agreement.

  • ✓
    Detailed Project Report (DPR) & Financial ProjectionsMandatory

    Comprehensive business and cash flow plan.

  • ✓
    Incorporation Documents / Partnership DeedOptional / Supporting

    Showing 51%+ SC/ST/Women shareholding for non-individual entities.

How to Apply

1. Visit the Stand-Up Mitra portal (https://www.standupmitra.in) or approach any commercial bank branch. 2. Register as a borrower and fill in personal details, caste/gender category, and proposed greenfield project. 3. Upload Detailed Project Report (DPR), machinery quotation, and KYC documents. 4. Select preferred scheduled commercial bank branch. 5. The lead bank officer reviews the project proposal, conducts credit appraisal, sanctions the loan, and disburses funds in phases. Handholding support provided via SIDBI, NABARD, and DIC centers.

Official Government Application Portal

You will be redirected to the secure official portal: www.standupmitra.in

Apply on official government website

Frequently Asked Questions (Officially Sourced)

Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.

Can a male belonging to General or OBC category apply for Stand-Up India?

Under Stand-Up India guidelines, male applicants must belong to Scheduled Caste (SC) or Scheduled Tribe (ST). Women of all social categories (General, OBC, SC, ST) are eligible.

Source: Official Scheme FAQ ↗

What is meant by a "greenfield enterprise"?

A greenfield enterprise denotes the first-time venture of the beneficiary in the manufacturing, services, agri-allied, or trading sector.

Source: Official Scheme FAQ ↗

What is the maximum loan amount under Stand-Up India?

The loan amount ranges from a minimum of ₹10 lakh up to a maximum of ₹1 crore.

Source: Official Scheme FAQ ↗

Common Rejection Reasons & Warnings

Applicant not belonging to SC/ST or woman category; project is an expansion of an existing enterprise rather than greenfield; past default history with credit bureaus.

Editorial Verification & Change Log

DateFieldDescription / UpdateSource Citation
2026-09-16initial_verificationBaseline verification of Stand-Up India guidelines, margin money norms, and agri-allied sector inclusion.Official Source ↗

Application Window & Deadlines

Open throughout the year (Institutional bank lending)

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Micro-credit working capital loan facility providing collateral-free loans up to ₹50,000 with 7% interest subsidy and cashback for urban street vendors.

PM Vishwakarma Scheme

Comprehensive central support program for traditional artisans and craftspeople offering PM Vishwakarma certification, modern toolkits, and subsidized credit up to ₹3 lakh at 5% interest.

Official Helpline & Nodal Offices

Stand-Up India Cell, Small Industries Development Bank of India (SIDBI)

SIDBI Tower, 15, Ashok Marg, Lucknow, Uttar Pradesh - 226001

Helpline: 1800-180-1111 / 022-67531100 (National Stand-Up Mitra Helpline)

Jurisdiction: National (All-India)

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Verification Metadata

Last verified by Eligo researchers on 2026-09-16 against official government documentation.

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