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—stand-up-india-scheme [2026/06/03 17:01] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>metatag-keywords=(Stand-Up India scheme, SC ST woman entrepreneur loan, ₹10 lakh greenfield, standupmitra, stand up loan apply 2026)
 +metatag-description=(Stand-Up India 2026 — ₹10 lakh – ₹1 crore greenfield loans for SC/ST/woman entrepreneurs. Every bank branch must lend to at least 1 SC/ST + 1 woman.)}}
 +
 +====== 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.
 +
 +===== Quick Answer =====
 +
 +  * **₹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?** [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|🪄 RTI in 60 sec]].
 +
 +===== What is this scheme =====
 +
 +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.
 +
 +===== Key benefits =====
 +
 +  * **₹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.
 +
 +===== Who is eligible =====
 +
 +  * **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.
 +
 +===== Documents required =====
 +
 +  - **Aadhaar + PAN**
 +  - **Caste certificate** (SC/ST only) — Tehsildar/SDM
 +  - **Project report** (business plan, expected revenue, profit, repayment) — banks have templates
 +  - **Quotations / pro forma invoices** for assets to be purchased
 +  - **Land/property documents** (if buying / leasing premises)
 +  - **Bank statement** of last 6 months (any account)
 +  - **Existing business proof** (only to confirm you're NOT in same business already)
 +  - **Photograph + signature**
 +
 +===== How to apply =====
 +
 +==== Via Stand-Up Mitra portal (recommended) ====
 +
 +  - Visit **https://www.standupmitra.in**.
 +  - Register → Aadhaar + Mobile OTP.
 +  - Fill **business profile** + project details.
 +  - Portal **routes to multiple banks** in your area.
 +  - Banks bid → pick best offer.
 +  - **Pre-loan handholding** by portal mentor.
 +  - Final processing at chosen bank branch.
 +  - **Sanction in 30–60 days** (longer than Mudra due to higher loan size).
 +
 +==== Direct at bank ====
 +
 +  - Visit any PSU/private/RRB branch.
 +  - Ask for "**Stand-Up India loan**".
 +  - Submit project report + documents.
 +  - Pre-sanction site visit by bank officer.
 +  - Sanction → loan agreement → disbursal.
 +
 +===== Stand-Up India vs Mudra =====
 +
 +| Feature | **Mudra** | **Stand-Up India** |
 +| Amount | ≤ ₹20 lakh | ₹10 lakh – ₹1 crore |
 +| Eligibility | Anyone | SC/ST/Woman only |
 +| Type | Existing OR new | **Greenfield only** |
 +| Margin | 0–10% | **10% mandatory** |
 +| Project report | Optional (Shishu/Kishore) | **Mandatory** |
 +| Collateral | None | None (CGTMSE) |
 +| Sanction time | 7–15 days | 30–60 days |
 +
 +===== Common mistakes =====
 +
 +  * **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.
 +
 +===== FAQ =====
 +
 +==== I'm a woman who already runs a kirana shop. Can I apply for Stand-Up India for the same kirana shop expansion? ====
 +**No** — that's existing business. **Greenfield mandate** means new. Use Mudra for kirana expansion instead.
 +
 +==== I'm a woman wanting to start a manufacturing unit. Can I apply for Stand-Up India? ====
 +**Yes** — perfect fit. New venture + 51% your equity + manufacturing.
 +
 +==== Caste certificate process? ====
 +Visit Tehsildar/SDM with proof of caste (parents' caste cert, school records, gram sabha resolution). Free or ₹30–100 fee. 30–45 days.
 +
 +==== Stand-Up India + Mudra simultaneously? ====
 +**No** — one micro-loan exposure at a time per individual. Pick based on need + size.
 +
 +==== What's CGTMSE? ====
 +**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.
 +
 +==== I'm 55. Am I eligible? ====
 +**Yes** — no upper age limit. Repayment must complete within reasonable time (typically by age 65–70).
 +
 +==== Bank wants my home as security. Allowed? ====
 +**No** — Stand-Up India explicitly says **no third-party collateral**. Bank must rely on CGTMSE. If bank insists, file [[https://cms.rbi.org.in|RBI banking ombudsman complaint]] + RTI to bank.
 +
 +==== I'm a female from upper caste. Eligible? ====
 +**Yes** — woman of **any caste** is eligible under the woman quota. SC/ST quota is separate.
 +
 +===== You may also be eligible for =====
 +
 +  * **[[:pm-mudra-yojana|PM Mudra]]** — for smaller / non-greenfield needs
 +  * **[[:pm-svanidhi-yojana|PM SVANidhi]]** — for street vendors
 +  * **[[:pm-jan-dhan-yojana|Jan Dhan]]** — bank account first
 +  * **NSDC PMKVY** — skill training before starting
 +  * **[[:financial-support-schemes-india|💰 All financial schemes]]**
 +
 +===== Sources =====
 +
 +  * [[https://www.standupmitra.in|Stand-Up Mitra portal]]
 +  * [[https://www.standupindia.in|Stand-Up India official]]
 +  * [[https://www.dfs.gov.in|Department of Financial Services]]
 +  * Helpline: **1800-180-1111**
 +
 +{REVIEWED}
 +
 +//Last reviewed: 3 May 2026.//
 +
 +===== Visual / Infographic prompts =====
 +
 +  * **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.
 +
 +==== SVG icon prompts (use any AI image gen) ====
 +  - Minimal icon of two figures (one in dupatta, one with crossed shoulders) under a rising arrow.
 +  - Flat shield with 'CGTMSE 80%' inside (no-collateral guarantee).
 +  - Clean icon of a manufacturing factory with a rupee fountain coming out.
 +
 +==== Feature image prompt ====
 +
 +//Realistic photo of an Indian woman entrepreneur in a small manufacturing unit, wearing safety goggles, inspecting a product, modern industrial background.//
 +
 +
 +{{tag>stand-up-india entrepreneur SC-ST women financial-schemes 2026}}