Ministry of Finance
Stand Up India Scheme
Composite bank loan of ₹10 lakh to ₹1 crore for greenfield enterprises; covers term loan + working capital; repayment up to 7 years with 18-month moratorium; free handholding support for first-time entrepreneurs
One-time composite loan disbursement; repayment up to 7 years
Stand Up India is a scheme under the Department of Financial Services, Ministry of Finance, launched on 5 April 2016 to promote entrepreneurship among SC/ST and women entrepreneurs. The scheme provides composite bank loans between ₹10 lakh and ₹1 crore for setting up greenfield enterprises in manufacturing, services, or trading. SIDBI acts as the nodal implementation agency. As of 2026, over 2 lakh loan accounts have been sanctioned under this scheme.
Am I Eligible?
Quick check — answer 3 questions
Is your age between 18 and 100 years?
Is your annual family income under ₹1 Cr?
Do you live in India?
Benefit Details
Composite bank loan of ₹10 lakh to ₹1 crore for greenfield enterprises; covers term loan + working capital; repayment up to 7 years with 18-month moratorium; free handholding support for first-time entrepreneurs
Provided by Central Government
One-time composite loan disbursement; repayment up to 7 years
Eligibility Criteria
Must be: SC or ST borrower OR woman entrepreneur; 18+ years; for non-individual enterprises, minimum 51% shareholding must be held by SC/ST/woman; must be setting up a greenfield (first-ever) enterprise in manufacturing, services, or trading; must not be a bank defaulter; applicant should not have availed similar government scheme loan
18 to 100 years
Up to ₹1 Cr / year
Rural & Urban (Both)
Required Documents
💡 Tip: Keep original documents and 2 photocopies ready. Self-attest all photocopies.
How to Apply
Register on Stand-Up Mitra Portal
onlineGo to standupmitra.in → click "Register" → select if you are a Ready Borrower (have DPR and margin money) or Trainee Borrower (need guidance) → enter your state, SC/ST/Woman category, business sector, and proposed investment.
Get Handholding (for Trainee Borrowers)
online / offlineIf you selected Trainee Borrower, the portal connects you with Lead District Manager (LDM), NABARD, or RSETIs for free business training, DPR preparation, and mentoring support before you go to the bank.
Prepare DPR and Margin Money
offlinePrepare a detailed project report covering product/service, investment, market, and financials. Arrange your margin money contribution (minimum 10% of project cost — can include subsidy under other schemes).
Apply at Bank Branch
offlineVisit the bank branch in the area where your enterprise will be located. Apply with Aadhaar, PAN, caste certificate, no-dues certificate, DPR, and land/lease documents. The Lead District Manager can help connect you to the right branch.
Loan Disbursement
offlineAfter bank credit appraisal (3–6 weeks), composite loan (term loan + working capital) is sanctioned and disbursed. You get a RuPay debit card for working capital withdrawals. Repay over up to 7 years with an 18-month moratorium.
Frequently Asked Questions
Quick Summary
Related Schemes
Pradhan Mantri MUDRA Yojana (PMMY)
Collateral-free business loans up to ₹20 lakh for micro and small businesses in manufacturing, trading, and services sectors at competitive interest rates
PM Vishwakarma Yojana
₹15,000 toolkit grant + Vishwakarma Certificate + skill training with ₹500/day stipend + collateral-free loan up to ₹3 lakh at 5% concessional rate
Startup India
DPIIT recognition certificate + 3-year income tax holiday under Section 80-IAC + angel tax exemption + 50–80% reduction in patent/trademark fees + priority in government tenders + self-certification for 9 labour laws + faster company winding-up (90 days)
Udyam Registration (MSME)
Free MSME registration with permanent 19-digit URN — unlocks collateral-free priority sector loans, 1–2% interest subvention, delayed payment protection (within 45 days), government tender reservations, and multiple state-level subsidies
⚠️ Disclaimer: Information is compiled from official government sources for guidance purposes. Eligibility and benefits may vary. Always verify with the official portal or nearest government office before applying.
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