Stand-Up India Scheme
स्टैंड-अप इंडिया योजना
Ministry / Dept: Ministry of Finance • Agency: Scheduled Commercial Banks / SIDBI / NABARD
📋 Scheme Objective & Overview
Facilitates bank loans between ₹10 Lakhs and ₹1 Crore to at least one SC or ST borrower and at least one Woman borrower per bank branch for setting up greenfield enterprises.
💰 Key Financial Benefits & Subsidy Details
- ✓High-value loan starting from ₹10 Lakhs up to ₹1 Crore.
- ✓Composite loan comprising term loan and working capital.
- ✓Repayable in 7 years with a maximum moratorium period of up to 18 months.
- ✓Borrower margin money reduced to just 15% (can be converged with state/central subsidies).
🎯 Who is Eligible? (Eligibility Criteria)
- •SC/ST and/or Woman entrepreneurs above 18 years of age.
- •Loans under the scheme are available only for Greenfield (new) projects.
- •Greenfield signifies the first-time venture of the beneficiary in manufacturing, services, trading, or agri-allied sectors.
- •In case of non-individual enterprises, 51% of shareholding and controlling stake must be held by SC/ST and/or Women.
Age Requirement: 18 to 65 years.
Education Qualification: Graduate / Experienced preferred for higher ticket sizes
📑 Mandatory Documents Required Checklist
Scanned PDF / Copies🚀 Step-by-Step Application Procedure
❓ Frequently Asked Questions (Stand-Up India Scheme)
What is the maximum loan limit under Stand-Up India Scheme?
Eligible applicants can avail up to ₹10 Lakhs to ₹1 Crore in financial assistance from authorized partner banks.
How much capital subsidy is provided?
The scheme provides Credit Guarantee Coverage under CGSIL + Margin money convergence with state/central subsidies credited directly to the loan bank account upon milestone verification.
Is collateral security or mortgage required?
Covered under Credit Guarantee Scheme for Stand Up India (CGSIL) or collateral as per bank norms.
Ready to apply for Stand-Up India Scheme?
Submit your online application through the official government portal.
Apply on Official Portal →Toll-Free Helpline: 1800-180-1111
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