మహిళలు మరియు ఎస్సీ మరియు ఎస్టీ సమాజాలకు వ్యవస్థాపక మద్దతు
తయారీ, సేవలు మరియు వాణిజ్య రంగాలలో కొత్త సంస్థలకు ₹10 లక్షల నుండి ₹1 కోటి వరకు బ్యాంక్ రుణాలు
स्टैंड अप इंडिया योजना क्या है?
The Stand Up India Scheme was launched by the Government of India on 5th April 2016 to promote entrepreneurship at the grassroots level, focusing on economic empowerment and job creation.
The 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.
The enterprise may be in manufacturing, services, or trading sector. In case of non-individual enterprises, at least 51% of the shareholding and controlling stake should be held by either an SC/ST or woman entrepreneur.
The scheme is designed to address the challenges faced by SC, ST, and women entrepreneurs in setting up enterprises, obtaining loans, and other support needed from time to time for succeeding in their business ventures.
मुख्य विशेषताएं
Loans available for women entrepreneurs, SC category, and ST category. Each bank branch must sanction at least one loan to SC/ST borrower and one to woman borrower.
Composite loan (term loan + working capital) between ₹10 lakh (minimum) and ₹1 crore (maximum) per enterprise. The loan can be used for both term loan and working capital components.
Minimum 15% of the project cost as promoter contribution. The remaining 85% can be financed through the Stand Up India loan.
Credit guarantee cover provided by Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) for loans up to ₹1 crore.
Up to 7 years (84 months) from the date of first disbursement. Moratorium period of 18 months (6 months initial + 12 months extension).
EBLR (External Benchmark Lending Rate) + 3.25% per annum. Current approximate rate is ~12.15% (as of 2025). Interest rate is reset periodically based on RBI guidelines.
18 months moratorium period (6 months initial + 12 months extension) to help entrepreneurs establish their business before starting repayments.
पात्रता मानदंड
The borrower must be either a woman entrepreneur (above 18 years of age), or belong to Scheduled Caste (SC) or Scheduled Tribe (ST) category.
Only greenfield projects are eligible. The enterprise should be in manufacturing, services, or trading sector. Existing enterprises are not eligible.
In case of non-individual enterprises (partnership firms, companies, etc.), at least 51% of the shareholding and controlling stake should be held by either an SC/ST or woman entrepreneur.
Each bank branch must sanction at least one loan to a SC/ST borrower and one loan to a woman borrower under this scheme.
The borrower should be above 18 years of age at the time of application.
ऋण विवरण
| Parameter | Details |
|---|---|
| Loan Amount | ₹10 Lakh (minimum) to ₹1 Crore (maximum) per enterprise |
| Interest Rate | EBLR (External Benchmark Lending Rate) + 3.25% per annum Current approximate rate: ~12.15% (as of 2025). Interest rate is reset periodically by RBI. |
| Repayment Period | Up to 7 years (84 months) from the date of first disbursement |
| Moratorium Period | 18 months (6 months initial moratorium + 12 months extension) |
| Loan Type | Composite loan (Term loan + Working capital) |
| Promoter Contribution | Minimum 15% of the project cost |
| Security | Primary security as per bank's policy + CGTMSE guarantee cover |
| Processing Fee | As per bank's policy (varies by bank) |
आवेदन प्रक्रिया
Apply online through standupmitra.in or visit your nearest bank branch
Visit standupmitra.in and register yourself as a borrower. Provide basic details including name, category (Woman/SC/ST), contact information, Aadhaar number, and email address. Create your login credentials.
Prepare and submit a detailed business plan including project details, financial projections, market analysis, technical feasibility, and promoter contribution details. Upload required documents like project report, identity proof, address proof, caste certificate (if applicable), and bank statements.
Select your preferred bank branch from the list of participating banks. You can also approach the bank branch directly with your business plan and documents. The bank will verify your eligibility and category.
Submit the complete application form along with all required documents to the selected bank branch. Ensure all documents are properly attested and verified. The bank will acknowledge receipt of your application.
The bank will conduct a thorough credit appraisal including technical feasibility study, financial viability assessment, market analysis, and creditworthiness evaluation. This may include site visits, interviews, and verification of documents.
Upon approval, the bank will sanction the loan and disburse the amount as per the project requirements. The loan can be disbursed in phases based on project milestones. You will receive the loan amount in your designated bank account.
Calculate your monthly EMI (Equated Monthly Installment) for Mudra loans | मुद्रा ऋण के लिए अपनी मासिक EMI की गणना करें