SUI · Ministry of Finance · SIDBI
Stand-Up India Scheme
Bank loans between ₹10 lakh and ₹1 crore for at least one Scheduled Caste or Scheduled Tribe borrower and one woman borrower per bank branch, for greenfield enterprises.
- Ticket size
- ₹10 L – ₹1 Cr
- Nature
- Greenfield only
- Repayment
- Up to 7 years
Key features
What the scheme actually provides
- Composite loan covering term loan and working capital
- Intended for greenfield projects in manufacturing, services, trading or allied agriculture
- Margin money requirement can be met in convergence with eligible central or state subsidy schemes
- Repayment up to seven years with a moratorium of up to eighteen months
Who is eligible
- SC/ST and/or woman entrepreneur, above 18 years of age
- Greenfield project — the first venture of the beneficiary in that activity
- In a non-individual entity, at least 51% shareholding and controlling stake held by the eligible category
- Applicant not in default to any bank or financial institution
Benefits
- A large collateral-light ticket for first-time entrepreneurs from under-served categories
- Structured hand-holding through the Stand-Up India portal
- Long tenure and moratorium suited to a project ramping up
Where we come in
How FIN.SWITCH handles a Stand-Up India file
- 01
Confirm the greenfield condition and shareholding test before filing
- 02
Prepare the project report and margin money structure, including scheme convergence
- 03
Take the file through branch and controlling office appraisal
Questions
Stand-Up India, answered plainly
The beneficiary should be setting up the enterprise for the first time in that activity. An existing running business seeking expansion does not qualify.
Compare
Other schemes worth looking at
CGTMSE
Guarantee cover that lets a bank lend to a micro or small enterprise without collateral or third-party guarantee. The ceiling was raised from ₹5 crore to ₹10 crore following the FY 2025-26 budget announcement.
- Guarantee ceiling
- ₹10 Cr
- Cover
- 75%–85%
- Collateral
- Not required
PMEGP
A credit-linked subsidy programme for new micro enterprises. Margin money subsidy of 15% to 35% of project cost, released through the financing bank and locked in for three years.
- Project cost
- Up to ₹50 L
- Subsidy
- 15%–35%
- Own contribution
- 5%–10%
PM MUDRA Yojana
Collateral-free credit for micro units in manufacturing, trading, services and allied agriculture, in four graded categories from ₹50,000 up to ₹20 lakh.
- Ticket size
- Up to ₹20 L
- Categories
- Four
- Collateral
- Not required
Not sure whether Stand-Up India fits your business?
The eligibility check takes two minutes and gives you an indicative shortlist across every scheme we file under.