Stand Up India Scheme —₹10 Lakh to ₹1 Crore Loan For SC/ST Women Entrepreneurs

Quick Summary — 30 Second Mein Samjho

Sawaal	Jawaab
Scheme kya hai?	Stand Up India — government scheme for SC/ST and women entrepreneurs
Loan kitna milta hai?	₹10 lakh se ₹1 crore tak
Kaun apply kar sakta hai?	SC/ST or women entrepreneurs, 18+ age, first-time business (greenfield)
Interest rate?	Bank ke hisaab se, capped at MCLR + 3% + tenor premium
Repayment tenure?	7 years tak, with up to 18 months moratorium
Project report chahiye?	Haan — mandatory for loan approval
Kitne log ko loan mila?	2.75 lakh+ beneficiaries, ₹62,791 crore sanctioned
Apply kaise karein?	standupmitra.in portal ya nearest bank branch

👉 Stand Up India scheme ke liye project report banayein — 10 minutes, ₹399 only

People Also Ask

Question	Short Answer
Stand Up India scheme kya hai?	SC/ST aur women entrepreneurs ke liye government loan scheme hai. ₹10 lakh se ₹1 crore tak ka loan milta hai.
Stand Up India ke liye kaun eligible hai?	SC/ST category ya women entrepreneur, 18+ age, greenfield project (first-time business).
Stand Up India loan kis bank se milega?	Kisi bhi Scheduled Commercial Bank se — SBI, PNB, BOB, HDFC, ICICI, etc.
Stand Up India scheme mein project report chahiye?	Haan. Detailed project report mandatory hai.
Stand Up India aur Mudra mein kya fark hai?	Stand Up India: ₹10L-₹1Cr, sirf SC/ST & women. Mudra: up to ₹20L, sabhi ke liye.
Stand Up India loan reject kyun hota hai?	Weak project report, incomplete documents, ineligible project (not greenfield).

Priya Sharma, 32 saal, Lucknow mein rehti hain. Unhone apna khud ka boutique start karne ka sapna dekha. Designer sarees, lehengas, aur bridal wear — woh quality products bechna chahti thin. Lekin paisa nahi tha. ₹20 lakh ka loan chahiye tha.

Bank gayi — SBI branch, Indira Nagar, Lucknow. Manager ne kaha — "Project report lao. Toh hi loan process shuru kar sakte hain." Priya ko nahi pata tha ki project report kya hota hai. CA ke paas gayi. Unhone ₹5,000 maange. 7 din lagenge. Priya ke paas na itna paisa tha, na itna time.

Phir kisi ne Stand Up India scheme ke baare mein bataya. Yeh scheme specially SC/ST aur women entrepreneurs ke liye hai. ₹10 lakh se ₹1 crore tak ka loan milta hai. Credit guarantee bhi available hai. Priya ne project report banwaya. Standupmitra.in pe register kiya. Bank submit kiya. 30 din mein loan approve ho gaya. Aaj unki boutique hai. 4 log kaam karte hain. Roz ₹15,000-20,000 ka business hai.

Yeh Priya ki kahani hai. Yeh aapki bhi ho sakti hai.

Is guide mein aapko milega:

• Stand Up India scheme kya hai — complete details with official data
• Eligibility — kaun apply kar sakta hai
• Loan amount, interest rate, tenure — exact numbers
• Project report — kya hona chahiye
• Documents checklist — complete list
• Application process — step by step
• Stand Up India vs Mudra vs StartUp India — comparison table
• Common mistakes to avoid — 5 mistakes that cause rejection
• 9-year achievement data — official PIB numbers
• FAQ — 12 questions with schema

👉 Stand Up India scheme ke liye project report banayein — 10 minutes, ₹399 only

Part 1: Stand Up India Scheme Kya Hai? — Simple Bhasha Mein Samjho

Stand Up India scheme ek government initiative hai jo 5 April 2016 ko Prime Minister Narendra Modi ne launch kiya . Iska objective SC/ST aur women entrepreneurs ko bank loans provide karna hai taaki woh apna khud ka business start kar sakein.

Scheme ka main objective: Har Scheduled Commercial Bank branch ko at least ek SC/ST borrower aur ek woman borrower ko loan provide karna hai . Yeh scheme greenfield enterprises — matlab first-time businesses — ke liye hai .

Loan amount: ₹10 lakh se ₹1 crore tak .

Scheme kyun special hai?

Feature	Detail
Target group	SC/ST and women entrepreneurs
Loan type	Composite loan (term loan + working capital)
Repayment	7 years tak, up to 18 months moratorium
Margin money	Minimum 10% of project cost
Credit guarantee	Available through CGFSIL

Official data (PIB, 2025): Scheme launch se ab tak 2.75 lakh+ loan accounts sanction ho chuke hain, with total amount ₹62,791 crore . 9 years mein total sanction amount ₹14,431 crore se ₹61,020 crore ho gaya .

Category-wise Breakdown (PIB Data)

Category	Loan Accounts	Sanctioned Amount (Cr.)
SC	46,248	₹9,747
ST	15,228	₹3,244
Women (General)	1,90,844	₹43,984
Total	2,52,320+	₹56,975+

citation: PIB data as of November 2024 

Important Update (2026): Finance Minister Nirmala Sitharaman announced that a new revamped scheme will be launched for 5 lakh women, SC, and ST first-time entrepreneurs with term loans up to ₹2 crore over the next 5 years . The new scheme will incorporate lessons from the successful Stand Up India Scheme .

👉 Stand Up India official portal — standupmitra.in
👉 Udyam Registration kaise karein — free guide

Part 2: Eligibility — Kaun Apply Kar Sakta Hai?

Eligible Applicants

Criteria	Requirement
Category	SC, ST, or women entrepreneur
Age	18 years or above
Enterprise type	Greenfield project (first-time business)
Sector	Manufacturing, services, trading, or agri-allied activities
Shareholding	For non-individual entities, at least 51% stake by SC/ST or woman
Default history	No default with any bank or financial institution

Greenfield Project Kya Hai?

"Greenfield" ka matlab hai ki aap pehli baar business start kar rahe ho. Yeh existing business ka expansion nahi hai . Agar aapne pehle kabhi business nahi kiya hai, toh aap eligible ho.

Important: Agar aap already kisi business mein involved ho, toh aap Greenfield project ke liye eligible nahi ho .

Not Eligible

Category	Reason
Non-SC/ST/General category male	Scheme only for SC/ST and women
Existing businesses (expansion)	Greenfield project required
Defaulters	Previous default with any bank

👉 Check Stand Up India eligibility — official portal

Part 3: Loan Amount, Interest Rate & Tenure

Loan Amount

Parameter	Detail
Minimum loan	₹10 lakh
Maximum loan	₹1 crore
Composite loan	Term loan + working capital

Interest Rate

Interest rate bank ke hisaab se decide hoti hai, lekin capped at:

MCLR + 3% + Tenor premium 

Example: Agar bank ka MCLR 9% hai, toh effective rate maximum 12% + premium ho sakta hai. Lowest applicable rate of the bank for that category (rating) .

Repayment Tenure

Parameter	Detail
Maximum tenure	7 years
Moratorium period	Up to 18 months

Margin Money (Own Contribution)

Parameter	Detail
Minimum margin	10% of project cost
Maximum margin	25% (through convergence with other schemes)
Credit guarantee	Available through CGFSIL

👉 Calculate your Stand Up India loan EMI — free calculator

Part 4: Scheme Benefits — Kya Kya Milta Hai?

Benefit	Explanation
Large loan amount	₹10 lakh to ₹1 crore — bigger than Mudra (₹20 lakh)
Composite loan	Term loan + working capital — dono ek saath
Long tenure	7 years repayment with 18 months moratorium
Credit guarantee	Collateral-free loan options available
Handholding support	Mentorship, training, skill development
Digital portal	Standupmitra.in — easy application tracking
Convergence	Other government schemes ke saath combine kar sakte ho

Credit Guarantee Details

Stand Up India loans may be supported by collateral-free credit guarantee schemes, which reduce lender risk . The Credit Guarantee Fund Scheme for Stand-Up India Loans (CGFSIL) provides cover to banks .

👉 Stand Up India benefits — detailed guide

Part 5: Documents Checklist for Stand Up India Scheme

Personal Documents

Document	Status	Notes
Aadhaar Card	Mandatory	All promoters
PAN Card	Mandatory	Business + promoters
Caste Certificate	Mandatory for SC/ST	Issued by Tehsildar/SDM
Passport size photos	Mandatory	3-4 copies
Address proof	Mandatory	Business + residential

Business Documents

Document	Status	Notes
Project Report	Most Important	MudraReady se banayein — ₹399
Business registration	Recommended	Udyam Registration
Quotations for machinery	Strongly recommended	For asset purchase
Rent agreement / ownership	Mandatory	Business address proof
Partnership deed / MOA	For non-individual entities	51% shareholding proof

Financial Documents

Document	Status	Notes
Bank statements (6 months)	Mandatory	Business + personal
ITR (if applicable)	If available	For existing businesses
Financial projections	Mandatory	In project report

👉 Complete Stand Up India documents list — detailed guide
👉 Stand Up India project report banayein — 10 minutes, ₹399 only

Part 6: Project Report for Stand Up India — Kya Hona Chahiye?

Stand Up India loan ke liye project report (Detailed Project Report) mandatory hai . Bank loan sanction karne se pehle project report check karta hai.

Project Report Mein Kya Kya Hona Chahiye?

Section	Kya Likhein
Executive Summary	1 page mein business ka overview
Promoter Profile	Education, experience, caste certificate details
Business Description	What you sell, who you sell to
Market Analysis	Local demand, competition, location advantage
Project Cost Breakdown	Machinery, shed, equipment, infrastructure
Means of Finance	Own contribution, loan, subsidy
Financial Projections (3-5 years)	Revenue, expenses, profit
DSCR Calculation	Repayment capacity
Fund Utilisation Plan	Paisa kahan lagega — exact breakdown
Repayment Plan	Loan repayment schedule

Why Banks Check Project Report

Reason	Explanation
Viability check	Business profitable hai ya nahi
Repayment capacity	DSCR check — loan chuka paoge ya nahi
Risk assessment	Paisa kahan lagega — transparency
Government reporting	Scheme data track karna

👉 Stand Up India project report banayein — 10 minutes, ₹399 only
👉 DSCR kya hota hai — full guide
👉 How to make a project report — 7 step guide

Part 7: Stand Up India Application Process — Step by Step

Step 1: Eligibility Check Karein

SC/ST ya woman category mein ho? 18+ age? Greenfield project? — sab check karein .

Step 2: Project Report Banwayein

Stand Up India loan ke liye project report mandatory hai . Bina DPR ke bank application accept nahi karega.

Option 1: CA se banwayein — ₹3,000-8,000, 5-10 days
Option 2: MudraReady se banayein — ₹399, 10 minutes

👉 Stand Up India project report banayein — 10 minutes, ₹399 only

Step 3: Stand Up Mitra Portal Par Register Karein

Website: standupmitra.in 

Action	Instructions
Click	"Apply Here" under "You May Access Loans"
Select	New entrepreneur / Existing entrepreneur / Self-employed professional
Enter	Name, email, mobile number
OTP	Generate OTP, login
Fill	Personal details, professional details

Step 4: Loan Application Form Bharein

Form mein aapko fill karna hai:

Section	Kya Bharein
Personal Details	Name, age, category, address
Professional Details	Nature of business, area of interest
Loan Details	Amount required, project cost
Bank Details	Preferred bank branch

Step 5: Documents Upload Karein

Saare documents upload karein. Aadhaar, PAN, caste certificate, project report .

Step 6: Bank Selection

Apni preferred bank branch select karein. Bank aapko contact karega .

Step 7: Bank Appraisal

Bank aapki application evaluate karega :

What Bank Checks	Why
Project Report	Viability, financial projections
DSCR	Repayment capacity
Documents	Verification
Site visit	Business location

Step 8: Loan Sanction

Loan approve hone ke baad sanction letter issue hota hai .

Step 9: Disbursement

Funds aapke account mein credit ho jaate hain.

Total time: 30-60 days (bank processing + verification)

👉 Apply for Stand Up India loan — official portal

Part 8: Stand Up India vs Mudra vs StartUp India — Comparison Table

Parameter	Stand Up India	Mudra Loan	StartUp India
Loan amount	₹10 lakh to ₹1 crore	Up to ₹20 lakh	Funding through VC/angel investors
Target group	SC/ST & women entrepreneurs	All small entrepreneurs	Innovative startups
Project type	Greenfield only (first-time business)	New & existing businesses	Scalable business model
Interest rate	MCLR + 3% + premium	9.5-13%	Market linked
Repayment tenure	7 years with 18 months moratorium	3-5 years	5-10 years
Collateral	Credit guarantee available	No collateral (up to ₹10L)	Equity/convertible notes
Margin money	10-15%	5-10%	No

Conclusion: Agar aap SC/ST ya women entrepreneur ho aur naya business start kar rahe ho, toh Stand Up India better hai kyunki ₹1 crore tak loan milta hai. Agar chhoti loan amount chahiye (₹10L se kam), toh Mudra better hai . Agar innovative startup hai, toh StartUp India .

👉 PMEGP vs Mudra — full comparison
👉 CGTMSE loan guide — collateral-free MSME loan

Part 9: 5 Common Mistakes to Avoid

Mistake	Why It Causes Rejection	How to Fix
No project report	Bank project report ke bina loan consider nahi karega	MudraReady se project report banayein — ₹399, 10 minutes
Ineligible project (not greenfield)	Stand Up India sirf greenfield projects ke liye hai	Confirm project is first-time business
Incomplete documentation	Missing documents = incomplete application	Use checklist above
Weak financial projections	Unrealistic numbers = bank reject	Use realistic projections
Wrong category	SC/ST or women category required	Confirm eligibility before applying

👉 Complete Stand Up India documents checklist — detailed guide

Part 10: Frequently Asked Questions (FAQ)

Q1. Stand Up India scheme kya hai?

Stand Up India scheme SC/ST aur women entrepreneurs ke liye government loan scheme hai. ₹10 lakh se ₹1 crore tak ka loan milta hai. 5 April 2016 ko launch hui . 2.75 lakh+ beneficiaries ko ₹62,791 crore sanction ho chuke hain .

Q2. Stand Up India ke liye kaun eligible hai?

SC/ST ya women entrepreneur, 18+ age, greenfield project (first-time business). Manufacturing, services, trading, ya agri-allied sector mein .

Q3. Stand Up India aur Mudra mein kya fark hai?

Stand Up India: ₹10L-₹1Cr, sirf SC/ST & women. Mudra: up to ₹20L, sabhi ke liye . Stand Up India sirf greenfield projects ke liye hai .

Q4. Stand Up India loan ke liye project report chahiye?

Haan — mandatory hai. Bank loan sanction karne se pehle project report check karta hai . Bina DPR ke bank application accept nahi karega .

Q5. Stand Up India loan ka interest rate kitna hai?

Bank ke hisaab se, capped at MCLR + 3% + tenor premium . Lowest applicable rate of the bank for that category .

Q6. Stand Up India loan ka tenure kitna hai?

7 years tak, with up to 18 months moratorium .

Q7. Stand Up India loan ke liye collateral chahiye?

Credit guarantee scheme available hai. Collateral-free loan possible hai through CGFSIL .

Q8. Stand Up India loan kaise apply karein?

Standupmitra.in portal pe register karein . Project report banwayein. Documents upload karein. Bank appraisal ke baad loan sanction hota hai .

Q9. Stand Up India scheme mein margin money kitna hai?

Minimum 10% of project cost . Up to 25% through convergence with other schemes .

Q10. Stand Up India scheme kaun implement karta hai?

SIDBI and NABARD oversee the program, implemented through Scheduled Commercial Banks .

Q11. Stand Up India scheme 2026 mein available hai?

Haan. Scheme operational hai. Cabinet proposal for revamped scheme under consideration .

Q12. Stand Up India scheme mein subsidy milti hai?

Direct subsidy nahi, lekin credit guarantee available hai through CGFSIL .

👉 Stand Up India project report banayein — 10 minutes, ₹399 only

Part 11: Conclusion — Aapka Next Step

Ab aap jante hain:

Topic	Summary
Stand Up India kya hai	SC/ST & women entrepreneurs ke liye government loan scheme
Loan amount	₹10 lakh to ₹1 crore
Interest rate	MCLR + 3% + premium
Repayment	7 years, 18 months moratorium
Eligibility	SC/ST or women, 18+, greenfield project
Project report	Mandatory — ₹399, 10 minutes
Total beneficiaries	2.75 lakh+ loans sanctioned

Ab aapko action lena hai:

Step	Action	Time
1	Eligibility check karein	10 minutes
2	Project report banwayein	10 minutes
3	Standupmitra.in pe register karein	15 minutes
4	Documents upload karein	30 minutes
5	Bank appraisal wait karein	30-60 days

Stand Up India scheme ka sabse bada benefit: SC/ST aur women entrepreneurs ke liye ₹1 crore tak loan. Credit guarantee available hai .

Sabse important document: Project report. Bina project report ke bank loan nahi dega .

👉 Sabse pehle project report banayein — 10 minutes, ₹399 only
👉 Create your Stand Up India project report now

Related Guides

• Mudra Loan Documents List — Complete Checklist
• PMEGP Loan Guide — Subsidy, Documents, Online Apply
• Udyam Registration Kaise Karein — Free Guide
• DSCR Kya Hota Hai — Bank Loan Approve Hone Ka Secret
• PM Vishwakarma Project Report Guide
• CGTMSE Loan Guide — Collateral-Free MSME Loan

Government Resources

Resource	Link	Purpose
Stand Up India Official Portal	standupmitra.in	Apply, track, scheme details
SIDBI	sidbi.in	Nodal agency for scheme
Jan Samarth Portal	jansamarth.in	One-stop digital platform for loans
Udyam Registration	udyamregistration.gov.in	MSME certificate — FREE

Last updated: June 2026
Sources: PIB releases, Ministry of Finance, SIDBI, Stand Up India official portal, Economic Times, SMFG India Credit, IIFL Finance, Shriram Finance, Godrej Capital, Financial Express