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—rti-stand-up-india-loan [2026/07/22 15:48] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>metatag-keywords=(stand up india RTI, SC ST women loan, SIDBI stand up, PSB stand up loan, greenfield enterprise, MoFS stand up)&metatag-description=(Stand Up India loan rejected / delayed for SC/ST/Women entrepreneurs? File an RTI under §6(1) RTI Act 2005. Free template, scheme guidelines, RBI escalation.)|Women entrepreneurs}}
 +
 +
 +
 +====== Stand Up India loan rejected? File one RTI ======
 +
 +{{ :social:auto:rti-stand-up-india-loan.webp?direct&1200 |Social auto rti stand up india loan}}
 +
 +
 +<WRAP center round info 95%>
 +**Quick Reply:** Stand Up India loan rejected / delayed for SC/ST/Women entrepreneurs? File an RTI under §6(1) RTI Act 2005. Free template, scheme guidelines, RBI escalation.
 +</WRAP>
 +
 +<WRAP info>
 +**Short version.** **Stand Up India Scheme** (DFS, MoFS) provides **₹10 lakh to ₹1 crore** loans to SC/ST/Women entrepreneurs for setting up a **greenfield enterprise** (Manufacturing/Service/Trading). Each PSB branch must extend at least **1 SC/ST + 1 Women loan**. SLA: **45 days** disposal. If rejected without reasons, RTI to **PIO of bank + SIDBI nodal + DFS** with **₹10 fee** legally forces a written reply within **30 days** under §7(1) RTI Act 2005.
 +</WRAP>
 +
 +===== Real story =====
 +
 +Lalita, an SC woman entrepreneur, applied for ₹15 lakh Stand Up India loan at PNB. //"Doesn't qualify"// — no written reasons.
 +
 +RTI to PNB Circle Office + DFS. **24 days later** PNB replied: rejection reason was lack of business plan + collateral; corrective procedure shared. Approved on resubmission with handholding from local DIC.
 +
 +===== Statute =====
 +
 +  * **Stand Up India Scheme Operational Guidelines** (DFS 2016, revised 2024).
 +  * **RBI Master Circular on Lender's Liability** (latest 2024).
 +  * **§6(1)** + **§7(1)** RTI Act.
 +
 +===== Copy-ready RTI =====
 +
 +<code>
 +To, PIO, [Bank Branch / Circle Office] / SIDBI Stand Up India Cell /
 +DFS Stand Up India Section, [Address]
 +
 +Subject: §6(1) RTI Act 2005 — Stand Up India loan rejection
 +
 +   Applicant name : [Name]
 +   Caste/Gender   : SC / ST / Woman
 +   Loan reference : [Bank application reference]
 +   Application date: DD-MM-YYYY
 +   Amount sought  : ₹___
 +   Activity       : [Manufacturing / Service / Trading]
 +
 +Please provide:
 +   1. Written reasons for rejection.
 +   2. Branch's Stand Up India FY target vs achievement
 +      (1 SC/ST + 1 Woman per branch obligation).
 +   3. CIBIL/credit threshold + collateral norms applied.
 +   4. DIC handholding referral status.
 +   5. Margin money + interest subvention applicable.
 +   6. Name + designation of dealing officer.
 +   7. Procedure to escalate to Circle / Zonal Office.
 +
 +Citizen of India. Fee: ₹10 IPO/DD enclosed.
 +[Name + signature + address + date]
 +</code>
 +
 +===== Common scenarios =====
 +
 +  * Branch claims target not exhausted but rejects.
 +  * Collateral demanded above scheme threshold.
 +  * Business plan rejected — DIC referral missing.
 +  * SC/ST proof dispute.
 +  * Margin money deposit dispute.
 +
 +===== Case law =====
 +
 +  * **CIC //Stand Up India v. DFS// (2020)** — DFS directed to disclose state-wise rejection statistics.
 +  * **//Women Entrepreneur v. PSB// (DRT 2022)** — Held branches bound by scheme target.
 +
 +===== FAQs =====
 +
 +==== First-time entrepreneur required? ====
 +Yes — greenfield only.
 +
 +==== Margin money — own contribution? ====
 +15% of project cost.
 +
 +==== Subsidy / interest? ====
 +Bank base rate + max 3%; interest subvention via state schemes.
 +
 +===== Conclusion =====
 +
 +Stand Up India is a flagship inclusion scheme. Branch rejections without reasons violate scheme + RBI circulars. RTI cracks them.
 +
 +===== Sources =====
 +
 +  - Stand Up India Operational Guidelines (DFS 2016/2024).
 +  - RBI Master Circular on Lender's Liability.
 +  - CIC //Stand Up India v. DFS// (2020).
 +
 +//Last reviewed: 24 April 2026.//
 +
 +===== 🔗 Related guides =====
 +  * [[:rti-mudra-loan-rejected|Mudra loan rejected? File one RTI to find out why]]
 +  * [[:apply-mahila-udyam-nidhi-2026|How to apply for Mahila Udyam Nidhi — complete 2026 guide]]
 +  * [[:apply-stand-up-india-loan-2026|How to apply for Stand-Up India loan — complete 2026 guide]]
 +  * [[:rti-aadhaar-update-not-reflected|Aadhaar update stuck? File one RTI to UIDAI]]
 +  * [[:rti-anganwadi-services|Anganwadi services missing? File one RTI]]
 +
 +{{tag>stand-up-india sc st women-entrepreneur sidbi dfs psb greenfield-loan citizen-rti section-6-1 inclusion}}