Is the project cost limit ₹1 Cr?

The loan limit is ₹1 Cr. With the 15% promoter margin, project cost can go up to around ₹1.18 Cr.

Stand-Up India Scheme — Eligibility, Process & Documents

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Overview

Launched in 2016, Stand-Up India targets financial inclusion at the grassroots level by mandating every bank branch to facilitate at least one loan to an SC/ST and one loan to a woman entrepreneur for a new enterprise.

Key features

Loans between ₹10 lakh and ₹1 crore
Covers up to 85% of the project cost (composite loan — term loan + working capital)
CGTMSE-type credit guarantee under CGFSI
Handholding support through SIDBI and NABARD
Repayment up to 7 years with moratorium up to 18 months

Eligibility

SC/ST and/or women entrepreneurs above 18 years
Loans only for greenfield (new) projects in manufacturing, services, trading or agri-allied
In non-individual entities, 51%+ shareholding must be with SC/ST or women promoter
Borrower should not be in default with any bank

Benefits

Composite loan covering capex and working capital
Credit guarantee reducing collateral burden
Handholding support for first-time borrowers
Direct focus on financial inclusion

Required documents

✓KYC of promoters
✓Caste certificate (for SC/ST)
✓Project report
✓Quotations and project cost details
✓Business registration (if already incorporated)

Application process

1
Eligibility check
Confirm SC/ST or woman promoter status and greenfield project.
2
Project report
Detailed project report with composite loan structure.
3
Apply via Jan Samarth
Submit through standupmitra.in or Jan Samarth portal.
4
Bank processing
Assigned branch processes the application with handholding support.
5
Sanction and disbursement
Loan sanctioned and disbursed; guarantee activated.

Common pitfalls

!Applying for an existing business (Stand-Up India is strictly greenfield)
!Not meeting 51% SC/ST or woman shareholding criterion for non-individual entities

FAQs

No. Stand-Up India is reserved for SC/ST and women entrepreneurs.

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Stand-Up India Scheme