Stand-Up India Scheme 2026 — ₹10 Lakh

Direct answer. Stand-Up India mandates every scheduled commercial bank branch to extend at least one ₹10 lakh – ₹1 crore loan to a SC/ST entrepreneur AND one to a woman entrepreneur for greenfield (first-time) ventures in manufacturing, services, or trading. No collateral. Walk into any bank with project report + KYC. Apply at https://www.standupmitra.in OR directly at branch.

• ₹10 lakh – ₹1 crore loans for SC/ST or woman entrepreneurs.
• Greenfield only — first-time venture (existing business not eligible).
• At least 51% shareholding must be by SC/ST or woman applicant.
• No third-party collateral — only project hypothecation + CGTMSE guarantee.
• Helpline: 1800-180-1111 (Stand-Up Mitra).
• Stuck? 🪄 RTI in 60 sec.

Stand-Up India launched 5 April 2016 by Ministry of Finance. Mandate: every scheduled commercial bank branch must finance at least 1 SC/ST + 1 woman greenfield entrepreneur. ~1.5 lakh loans disbursed since launch.

• ₹10 lakh – ₹1 crore loan size.
• No third-party collateral required (CGTMSE covers up to 80%).
• Working capital + term loan combined.
• 7-year repayment (with 18-month moratorium).
• Interest: bank's MCLR + 3% + tenor premium (typically 11–13%).
• Margin money 10% — you put in 10%, scheme handles up to 90%.
• Pre-loan + post-loan handholding via Stand-Up Mitra portal.

• SC / ST individual — caste certificate from Tehsildar/SDM.
• OR woman individual (any caste).
• Age 18+, no upper limit.
• First-time entrepreneur (greenfield) — no existing business in same activity.
• Sectors: manufacturing, services, trading, agriculture-allied (dairy, fisheries, agriculture-processing).
• For partnership/LLP: at least 51% of equity by SC/ST or woman applicant.
• No major default in CIBIL.

1. Aadhaar + PAN
2. Caste certificate (SC/ST only) — Tehsildar/SDM
3. Project report (business plan, expected revenue, profit, repayment) — banks have templates
4. Quotations / pro forma invoices for assets to be purchased
5. Land/property documents (if buying / leasing premises)
6. Bank statement of last 6 months (any account)
7. Existing business proof (only to confirm you're NOT in same business already)
8. Photograph + signature

1. Visit https://www.standupmitra.in.
2. Register → Aadhaar + Mobile OTP.
3. Fill business profile + project details.
4. Portal routes to multiple banks in your area.
5. Banks bid → pick best offer.
6. Pre-loan handholding by portal mentor.
7. Final processing at chosen bank branch.
8. Sanction in 30–60 days (longer than Mudra due to higher loan size).

1. Visit any PSU/private/RRB branch.
2. Ask for “Stand-Up India loan”.
3. Submit project report + documents.
4. Pre-sanction site visit by bank officer.
5. Sanction → loan agreement → disbursal.

• Vague project report — banks reject. Use template + SHG/NGO/CA help.
• Existing business in same activity — disqualified. Greenfield strictly means new.
• Margin money not arranged — you must show 10% own contribution. Banks won't disburse without.
• Caste certificate from Patwari — invalid; must be Tehsildar/SDM.
• Joint application 30:70 with non-eligible partner — needs 51% by SC/ST/woman to qualify.

No — that's existing business. Greenfield mandate means new. Use Mudra for kirana expansion instead.

Yes — perfect fit. New venture + 51% your equity + manufacturing.

Visit Tehsildar/SDM with proof of caste (parents' caste cert, school records, gram sabha resolution). Free or ₹30–100 fee. 30–45 days.

No — one micro-loan exposure at a time per individual. Pick based on need + size.

Credit Guarantee Fund for Micro & Small Enterprises — government-backed guarantee that covers banks against default on Stand-Up India loans (up to 80% of outstanding). Means banks lend without your collateral.

Yes — no upper age limit. Repayment must complete within reasonable time (typically by age 65–70).

No — Stand-Up India explicitly says no third-party collateral. Bank must rely on CGTMSE. If bank insists, file RBI banking ombudsman complaint + RTI to bank.

Yes — woman of any caste is eligible under the woman quota. SC/ST quota is separate.

• PM Mudra — for smaller / non-greenfield needs
• PM SVANidhi — for street vendors
• Jan Dhan — bank account first
• NSDC PMKVY — skill training before starting
• 💰 All financial schemes

• Stand-Up Mitra portal
• Stand-Up India official
• Department of Financial Services
• Helpline: 1800-180-1111

Last reviewed: 3 May 2026.

• Infographic concept: Eligibility funnel: SC/ST OR Woman + Greenfield venture → ₹10L–1Cr loan → No collateral (CGTMSE) → 7-year tenor with 18-month moratorium. Highlight 1 SC/ST + 1 woman per branch mandate.

1. Minimal icon of two figures (one in dupatta, one with crossed shoulders) under a rising arrow.
2. Flat shield with 'CGTMSE 80%' inside (no-collateral guarantee).
3. Clean icon of a manufacturing factory with a rupee fountain coming out.