§1Who it is for

  • SC/ST and/or women entrepreneurs, above 18
  • Greenfield only – the first venture in manufacturing/service/agri-allied/trading
  • For a company or firm, at least 51% shareholding and control must be with an SC/ST person or a woman
  • Must not be a defaulter of any bank or financial institution

Check your eligibility in 6 questions

§2How much you get

  1. Composite loan (term loan + working capital) of ₹10 lakh to ₹100 lakh
  2. Interest: the bank's lowest rate for that rating category, not more than (MCLR + 3% + tenor premium)
  3. Repayment in 7 years, with a moratorium of at most 18 months
  4. Security: besides primary security, collateral or a CGFSIL guarantee (the bank decides)
  5. The 15% margin money can come through convergence with central/state schemes

§3Documents

Tick each one as you get it ready.

§4How to apply

  1. 1

    Register at standupmitra.in (or go directly to a bank branch)

  2. 2

    If needed, choose a handholding agency (DPR, training)

  3. 3

    The bank branch appraises and sanctions the loan

Open the official portal

§5Why applications get rejected

Not verified yet

We found no official data on why applications for this scheme are rejected. We do not write reasons based on guesswork.

§6Businesses it helps

Need a Stand-Up India file prepared?

DPR, loan file and documents — we can get them prepared for you.

Ask on WhatsAppSee services

Our interestPreparing files is our paid service. You can apply for the scheme yourself, free of charge.

Sources

  1. Stand-Up Mitra (SIDBI): Stand-Up India scheme features
  2. Stand-Up Mitra portal home (cumulative applications/sanctions)
  3. The Daily Pioneer, 17 Mar 2026: Govt to revamp Stand-Up India; original scheme expired 31 Mar 2025

Checked on 4 October 2026. Spotted a mistake? Report it. For information only — not legal or financial advice; confirm with the department or bank.