Since 2012 · Godrej Waterside, Kolkata | ₹2,000 Cr+ disbursed · 4.9★ on Google
CreditCares Check eligibility
Home / Government Schemes / Stand-Up India

Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026

Stand-Up India — greenfield funding for SC/ST & women.

Bank loans between ₹10 lakh and ₹1 Crore for SC/ST and women entrepreneurs setting up their first greenfield enterprise in manufacturing, services or trading.

₹10 L–₹1 Cr
Composite loan
Up to 85%
Of project cost financed
7 yrs
Max repayment + 18-mo moratorium
Overview

One loan per bank branch, by mandate

Every scheduled commercial bank branch is expected to fund at least one SC/ST and one woman entrepreneur. The composite loan covers both term loan and working capital — up to 85% of the project cost.

For non-individual enterprises, 51% of shareholding must be held by an SC/ST or woman entrepreneur. Margin money can be brought in convergence with other central or state subsidy schemes.

At a glance
Loan range₹10 lakh to ₹1 Crore composite
CoverageUp to 85% of project cost
TenureUp to 7 years, 18-month moratorium
Apply viaBank branch, standupmitra.in or offline

Who is eligible?

  • SC/ST and/or women entrepreneurs, above 18 years
  • Greenfield (first-time) venture — manufacturing, services or trading
  • 51% stake held by eligible promoter in non-individual entities
  • Borrower not in default to any bank or financial institution
  • Project cost consistent with the composite loan sought

Documents you'll need

  • KYC and caste certificate (for SC/ST applicants)
  • Business plan / project report
  • Proof of premises and quotations for machinery
  • Bank statements & ITR of promoters
  • Partnership deed / incorporation documents where applicable

Setting up your first enterprise? We map your profile to the right lenders, prepare a bank-ready file and coordinate until disbursal — at no upfront cost.

Check your eligibility
Let's find your loan

Tell us what you need. We'll do the running around.

Share a few details and a CreditCares expert will call you back to map your eligibility and shortlist the right lenders — at no cost.

Check your eligibility Chat on WhatsApp