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
- Visit standupmitra.in
- Register as a borrower (SC/ST or Woman)
- Fill enterprise and loan requirement details
- Select preferred bank branch from the portal
- Portal connects you to the bank's nodal officer for loan processing
Offline / CSC
- Visit your nearest scheduled commercial bank branch
- Ask for the Stand-Up India scheme application
- Submit business plan, caste/gender documents, and identity proof
- Bank will appraise the project and sanction within stipulated time
- 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.
Yes. The scheme covers women entrepreneurs from all social categories, not just SC/ST. Any woman setting up a new enterprise can apply.
The bank loan covers up to 75% of the total project cost. The promoter must contribute a minimum of 10% as own equity. The remaining 15% may come from other subsidy sources.
Log a complaint on standupmitra.in. The portal has an escalation mechanism to ensure each eligible applicant receives due consideration.
Yes. Mudra covers micro loans up to ₹10 lakh for existing or new micro businesses. Stand-Up India covers larger greenfield loans from ₹10 lakh to ₹1 crore exclusively for SC/ST and women borrowers.
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