FinanceSTAND
Stand-Up India
Bank loans between ₹10 lakh and ₹1 crore for Scheduled Caste (SC), Scheduled Tribe (ST), and women entrepreneurs setting up greenfield enterprises in manufacturing, services, trading, or agriculture-allied activities.
NOTICE
This service is free. We will never ask for payment. If anyone offers to apply on your behalf for a fee, they are not us.
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₹10,00,000 – ₹1,00,00,000
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Apply on official portalOpens the official portal · We never charge
Official fee
₹0 — completely free
Applying for Stand-Up India via the official portal is free. No application fees are charged by the government, though banks may charge standard, regulated processing fees.
Beware of lookalike portals
Beware of fraudulent websites posing as official Stand-Up India or SIDBI loan portals asking for upfront fee payments. Only use standupmitra.in or official public sector bank sites.
Only the "Apply on official portal" button above leads to the verified government site.
Highlights and Media
Key Highlights
SC/ST & Women Focus
Aimed at encouraging greenfield projects run by SC, ST, and Women founders.
Up to 7 Years Repayment
Includes a maximum moratorium period of 18 months to help businesses stabilize.
Multiple Security Avenues
Can be secured via collateral security or Stand-Up India Credit Guarantee Scheme.
Funding Structure Breakdown
How the project cost is funded between the entrepreneur and the bank loan
The borrower is expected to bring in at least 10% of the project cost as margin money.
Includes term loan and working capital to cover the remaining costs up to 90%.
Who is eligible
- You are above 18 years of age.
- You identify as a woman entrepreneur or belong to Scheduled Caste (SC) or Scheduled Tribe (ST).
Eligibility rules · v1 · effective 5 April 2016
Who is not eligible
- Stand-Up India loans are only available to applicants aged 18 and above.
- This scheme is designed specifically for SC/ST and/or women entrepreneurs. If you belong to these groups, please update your profile.
- This scheme is designed specifically for SC/ST and/or women entrepreneurs. If you belong to these groups, please update your profile.
Before you apply
Most rejections happen because of small data mismatches, not eligibility. Clear these checks first — each takes a few minutes and saves weeks.
Do you have a detailed business project report ready?
Banks require a project report outlining financial projections, equipment costs, and operational plans for a greenfield enterprise. Stand-Up Mitra portal provides templates and handholding.
Fix it on the official portal[BUSINESS_PLAN]
How to apply
Register on Stand-Up Mitra
Visit standupmitra.in and click on 'Register' to create your entrepreneur profile.
Typical duration · 1 day
Determine Borrower Category
The portal will evaluate your requirements and categorize you as either a 'Ready Borrower' (ready for bank connection) or a 'Trainee Borrower' (needs handholding support).
Typical duration · 2 days
Choose Bank Offer & Upload Documents
Select a participating bank branch, fill the detailed loan application form, and upload the required project report and identity proofs.
Typical duration · 3 days
Bank Verification and Sanction
The bank branch will conduct due diligence on your greenfield project, verify documents, and sanction the composite loan (₹10 lakh to ₹1 crore).
Typical duration · 30 days
What to expect after applying
Decision typically in 30–60 days after you submit
Sanction and disbursement of Stand-Up India loans typically take 4 to 8 weeks depending on the completeness of your project report and bank evaluation.
Common rejection reasons — and how to avoid them
Enterprise is not a 'greenfield' venture
How to avoid it: Stand-Up India only funds new (greenfield) enterprises in manufacturing, services, trading, or agriculture-allied sectors. Existing operational units are not eligible.
Borrower is in default to any bank or financial institution
How to avoid it: Ensure your credit score is in good standing and clear any outstanding defaults before applying.
Sources
- Stand-Up Mitra Portal - Official WebsiteMINISTRY_PORTAL · Fetched 5 July 2026
Additional Details
Stand-Up India was launched by the Government of India to support entrepreneurship among women and Scheduled Caste (SC) & Scheduled Tribe (ST) communities. The scheme facilitates composite bank loans between ₹10 lakh and ₹1 crore for setting up a greenfield (first-time) enterprise in manufacturing, trading, services, or agriculture-allied sectors.
Key features include:
- Loan amount: Composite loan (inclusive of term loan and working capital) between ₹10 lakh and ₹1 crore.
- Interest rate: Bank's lowest applicable rate for that category, not to exceed base rate / MCLR + 3% + tenor premium.
- Repayment: Up to 7 years with a maximum moratorium period of 18 months.
- Collateral: The loan may be secured by collateral security or guarantee of Stand-Up India Credit Guarantee Scheme (CGSIL) as decided by the bank.
- Margin money: The borrower is expected to contribute up to 10% of the project cost, with the remaining funded by the loan and any eligible subsidy programs.