Stand-Up India Scheme
Bank loans of ₹10 Lakh to ₹1 Crore for SC, ST and women greenfield entrepreneurs. The scheme ended in March 2025 and is being revamped.
Apply Directly on the Official Portal
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Scheme Overview
The Stand-Up India scheme facilitates bank loans between ₹10 Lakh and ₹1 Crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch for setting up a greenfield enterprise. Enterprises can be in manufacturing, services, agri-allied activities, or the trading sector. Status update: the scheme's extended period ended in March 2025, and in March 2026 the Finance Minister announced a revamped scheme for SC, ST and women entrepreneurs. Check standupmitra.in or your bank for whether new applications are being accepted.
Target Beneficiaries
SC/ST individuals and all Women entrepreneurs establishing new greenfield units
Assistance / Benefit Type
Large Institutional Business Loan
Key Benefits & Financial Assistance
- Composite loans (term loan and working capital) between ₹10 Lakh and ₹100 Lakh.
- Covers up to 85% of total project cost (borrower margin requirement reduced to 15%).
- Repayable in up to 7 years with a moratorium period of up to 18 months.
- Supported by Credit Guarantee Scheme for Stand-Up India (CGSUI) through NCGTC.
Eligibility Criteria
Ensure you satisfy all the following government conditions before applying:
- 1Borrower must be an SC/ST individual or a Woman.
- 2Must be at least 18 years of age.
- 3Loan is available only for greenfield projects (first-time venture in the manufacturing, services, or trading sector).
- 4In non-individual enterprises, at least 51% shareholding and controlling stake must be held by an SC/ST or woman entrepreneur.
- 5Borrower must not be in default to any bank or financial institution.
Documents Required Checklist
Keep clear digital scanned copies (PDF or JPG under 200 KB) ready:
How to Apply (Official Process)
Visit Stand-Up Mitra Portal
Go to standupmitra.in and click on 'Register as Borrower'.
Create Profile & Select Trainee/Ready Borrower
Register your profile, specify if you need handholding support (skilling, DPR preparation, mentoring) or are ready with DPR.
Enter Project Financials
Input details of the greenfield project, required machinery cost, working capital requirement, and self-contribution margin.
Select Preferred Bank & Branch
Choose your preferred scheduled commercial bank branch for loan sanctioning.
Track Application and Receive Sanction
The portal monitors your application turnaround time with the Lead District Manager (LDM) and branch manager.
Frequently Asked Questions about Stand-Up India
Can an existing business apply for Stand-Up India loan?
No, Stand-Up India is exclusively earmarked for 'greenfield' projects, which signifies the very first venture of the beneficiary in that sector.
What is the margin money requirement?
Borrower margin money is only 15% of the project cost, which can also be converged with eligible state/central capital subsidy schemes.
Scheme Factsheet
Central Government Scheme
All India
Business, MSME & Startups
₹100.0 Lakh
The scheme was extended up to 2025 and ended in March 2025. A revamped version was announced in March 2026; confirm current status with your bank or standupmitra.in before applying.
Verified Government Sources
1800-180-1111
helpdesk@standupmitra.in
Never pay money to agents promising guaranteed approval for Stand-Up India. Government welfare registrations are strictly handled through official channels.
Related Welfare Schemes
Other government initiatives you might be eligible for:
Pradhan Mantri Mudra Yojana (PMMY)
Collateral-free micro-credit up to ₹20 Lakh for small business entrepreneurs (₹10–20 Lakh under Tarun Plus for repeat borrowers).
PM Vishwakarma Kaushal Samman
Empowering traditional artisans and craftspeople with ₹15,000 toolkits and low-interest credit up to ₹3 Lakh.