CentralEmploymentActiveLoanSC/STWomen Entrepreneur

Stand-Up India

Ministry of Finance (SIDBI)

Facilitates bank loans between ₹10 lakh and ₹1 crore to at least one SC or ST borrower and at least one woman borrower per bank branch for setting up greenfield enterprises in manufacturing, services, or trading.

Check If I Qualify Helpline: 1800-180-1111

Benefit

Loans ₹10 lakh to ₹1 crore

For

SC/ST and Women Entrepreneurs

Coverage

All India

Since

2016

Last Verified

Mar 2026

Eligibility

Who Can Apply

  • SC or ST borrowers (male or female) aged 18 and above
  • Women entrepreneurs from any category aged 18 and above
  • Applicants setting up a greenfield enterprise (first-time business in manufacturing, services, or trading)
  • Non-individual enterprises (companies, LLPs) where 51%+ shareholding held by SC/ST or woman promoter

Who Cannot Apply

  • Applicants in default to any bank or financial institution
  • Existing or established businesses (scheme is for greenfield/new enterprises only)
  • General category male borrowers
  • Agricultural or crop-based enterprises

Benefits

  • Composite loan of ₹10 lakh to ₹1 crore per eligible borrower
  • Covers 75% of project cost (promoter must contribute at least 10%)
  • Repayment period up to 7 years with a moratorium of up to 18 months
  • Working capital component included within the composite loan
  • Rupay debit card issued for working capital withdrawal
  • Handholding support through SIDBI and NABARD facilitation centres

Documents Required

  • Aadhaar Card and PAN Card
  • Caste certificate (SC/ST applicants)
  • Business plan / project report
  • Proof of business registration (if already registered)
  • Bank statements (last 6 months, if any)
  • Photograph and address proof
  • Lease or ownership documents for business premises (if applicable)

How to Apply

Online

  1. Visit standupmitra.in
  2. Register as a borrower (SC/ST or Woman)
  3. Fill enterprise and loan requirement details
  4. Select preferred bank branch from the portal
  5. Portal connects you to the bank's nodal officer for loan processing

Offline / CSC

  1. Visit your nearest scheduled commercial bank branch
  2. Ask for the Stand-Up India scheme application
  3. Submit business plan, caste/gender documents, and identity proof
  4. Bank will appraise the project and sanction within stipulated time
  5. SIDBI and NABARD handholding centres can assist with business plan preparation

Frequently Asked Questions

A greenfield enterprise means a first-time venture by the borrower in manufacturing, services, or trading. The scheme does not fund expansion of existing businesses.

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