Stand-Up India
Composite bank loans of ₹10 lakh to ₹1 crore for greenfield enterprises promoted by SC/ST and women entrepreneurs.
What you get
₹10 lakh to ₹1 crore composite loan, repayable in 7 years with up to 18 months moratorium
Nodal ministry
Ministry of Finance
Support type
Loan / Credit
Best suited for
Seed / Early Stage
Typical timeline
Bank appraisal typically 4–8 weeks
What this scheme actually is
Stand-Up India requires every bank branch to lend to at least one SC or ST borrower and at least one woman borrower for a greenfield enterprise. Because it is a branch-level obligation rather than a competitive pool, a well-prepared file has unusually good odds. It finances manufacturing, services, trading and agri-allied activities.
Implementing agency: Department of Financial Services
What the scheme sets out to do
Who can apply
What you get
How to apply, step by step
- 1
Confirm the greenfield condition
This must be a first venture in that activity for the borrower. An existing business expanding is not eligible — that is a different scheme.
- 2
Assemble category and identity documentation
Caste certificate for SC/ST applicants, or the woman-promoter shareholding and control evidence.
- 3
Build the project report and working-capital assessment
A composite loan means both term and working capital have to be justified in one file.
- 4
Apply through the branch or the Stand-Up India portal
The branch-level obligation is your leverage. Ask directly how many Stand-Up India accounts the branch has opened this year.
- 5
Follow through to disbursement
Sanction is not disbursement. Documentation, security creation and first drawdown all need chasing.
What we actually do on a scheme mandate
Services this usually needs
No consultant can guarantee a sanction — that decision sits with the evaluating committee, bank or incubator. We commit to an honest eligibility view, an application built to the evaluator’s format, filing inside the window and a documented follow-up cadence. That is stated in every engagement letter we sign.