Stand-Up India Loan 2026: ₹10 Lakh to ₹1 Crore for Women & SC/ST Entrepreneurs
Stand-Up India helps women and SC/ST entrepreneurs start a new (greenfield) enterprise with a composite bank loan between ₹10 lakh and ₹1 crore, covering both machinery and working capital.
Terms follow the Stand-Up India scheme guidelines published on standupmitra.in (managed by SIDBI).
Answer 5–7 simple questions and get your eligibility score in 2 minutes.
Check eligibility now →At a glance
- Loan size
- ₹10 lakh to ₹1 crore
- Who
- Women or SC/ST, 18+ years
- Business type
- New (greenfield) enterprise
- Repayment
- Up to 7 years, max 18-month moratorium
What is it?
Launched in 2016, Stand-Up India requires every scheduled commercial bank branch to support at least one SC/ST and one woman borrower for a new enterprise in manufacturing, services, trading or agri-allied activities.
Benefits
A single composite loan covers 75% of project cost including working capital. It can be backed by the Credit Guarantee Fund for Stand-Up India, and the portal connects you to handholding agencies for project reports, training and licences.
Eligibility criteria
- ✓SC/ST and/or woman entrepreneur, above 18 years
- ✓Only for greenfield (first-time) enterprises
- ✓For non-individual firms, at least 51% shareholding and control must be with an SC/ST or woman entrepreneur
- ✓Borrower must not be a defaulter to any bank or financial institution
- ✓Borrower contributes at least 10% of project cost; margin money can be up to 25% including state/central support
Documents required
- ✓Aadhaar, PAN and caste certificate (for SC/ST applicants)
- ✓Detailed project report with cost estimate
- ✓Business address proof, partnership deed or company documents if applicable
- ✓Quotations for machinery and bank statements
- ✓Udyam registration and licences relevant to the business
How to apply — step by step
- Visit standupmitra.in and register as a 'Borrower'
- Answer questions on your business, location and need for handholding
- The portal shares your application with banks near you; you can also apply directly at a bank branch
- Submit the project report and documents to the bank
- After appraisal, the bank sanctions the composite loan
Important dates
Stand-Up India is an ongoing scheme; applications are accepted throughout the year.
Common mistakes to avoid
- ✓Applying for expansion of an existing business — only new ventures qualify
- ✓Submitting without a realistic project report
- ✓Not bringing the minimum 10% own contribution
- ✓Keeping less than 51% stake with the woman or SC/ST promoter in a partnership
Frequently asked questions
Can a man apply for Stand-Up India?
Only if he belongs to SC or ST. Otherwise, the promoter holding 51% must be a woman.
Is collateral required?
Banks may accept guarantee cover under the Credit Guarantee Fund for Stand-Up India instead of collateral; the final decision is with the bank.
What is the interest rate?
It is the bank's lowest applicable rate for that category, not exceeding base rate (MCLR) + 3% + tenor premium.
Can I use it for trading?
Yes, trading activities are allowed along with manufacturing, services and agri-allied activities.
Answer 5–7 simple questions and get your eligibility score in 2 minutes.
Check eligibility now →