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Stand-up India

Stand-Up India Scheme

Promoting Women & SC/ST Entrepreneurship Across India
The Stand-Up India Scheme was launched by the Government of India to promote entrepreneurship at the grassroots level. The core objective of this scheme is to facilitate financial institutional credit between ₹10 Lakh and ₹1 Crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower, and at least one woman borrower per bank branch for setting up a brand-new Greenfield enterprise.

At Loan Sathi Credit Consultants, we act as an experienced corporate facilitator to ease your Stand-Up India loan processing cycle. Our consulting team assists you in verifying crucial legal documentations, evaluating project viability, and securely routing your application to authorized scheduled commercial bank networks across the nation.
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Eligibility Criteria for Stand-Up India Yojana

Targeted credit access for driving grassroots business innovation
To secure funding under this national scheme, candidate profiles must strictly adhere to the central guidelines outlined by the Ministry of Finance: 
  • Target Categories: Eligible candidates include SC/ST individuals and/or Women entrepreneurs. 
  • Age Limit: The applicant must be above 18 years of age. 
  • Greenfield Requirement: Loans are exclusively offered for Greenfield projects. This means the venture must be the first-time entry of the entrepreneur into manufacturing, services, trading, or agri-allied sectors. 
  • Non-Individual Firms: In case of partnership or corporate firms, at least 51% of the shareholding and controlling stake must be held by an SC/ST or a Woman entrepreneur.
  • Clean Track Record: The borrower should not be a defaulter to any commercial bank or financial institution
Loan Sathi Credit Consultants—simplifying credit pathways to empower every small business owner in India.

Key Loan Schemes Characteristics

The Stand-Up India Scheme offers tailored credit solutions based on the infrastructure needs and project costs of greenfield enterprises.

Composite Loan Structure

The scheme covers a comprehensive finance model combining term loans for fixed asset procurement (like machinery) and flexible working capital management to run daily operations comfortably.

Up to 85% Project Cost

Eligible applicants can secure loan coverage spanning up to 85% of the total project setup cost, keeping the personal promoter contribution minimal to protect liquidity

Flexible 7-Year Tenure

Borrowers enjoy an extensive repayment tenure of up to 7 years along with a comfortable moratorium period of up to 18 months to easily stabilize initial business cash flows

Note: Loan Sathi Credit Consultants assists in documents verification and processing. The final interest rates, margins, and loan disbursement under the Stand-Up India scheme depend solely on our partner lending banks’ approval.

Key Benefits of Stand-Up India Scheme

The scheme is designed to offer robust financial backing to first-time SC, ST, and Women entrepreneurs. Here are the four foundational benefits that make this project-backed financing unique.

Collateral-Free Options

Loans can be secured without traditional hard collateral or third-party guarantees. They are comprehensively covered under the Credit Guarantee Scheme for Stand-Up India (CGSSI) through our partner banks.

Concession on Interest Rates

Borrowers enjoy the lowest applicable interest rates under commercial bank slabs, which are strictly capped around the bank's Base Rate (MCLR) plus a minimal pricing margin.

Comfortable Moratorium

Entrepreneurs get an extensive repayment tenure of up to 7 years, which includes an additional flexible moratorium period of up to 18 months to easily stabilize initial business setups.

End-to-End Enterprise Support

Beyond credit, the scheme links borrowers with handholding support centers, assisting them with skill training, marketing insights, and financial literacy to manage their greenfield unit smoothly

Documents Required for Stand-Up India Applications

Preparing your commercial paperwork in advance is the cornerstone of a fast loan approval. It allows our consultancy desk to verify your application dynamically, ensuring your profile matches the exact lending criteria of our partner banks without any operational delays. With the right legal and financial documentation in place, you retain total authority over a seamless verification process under this national scheme.

Action-Oriented
  • SC/ST & Women KYC Verification :- Valid Aadhaar Card, PAN Card, and a certified Category Certificate issued by competent government authorities (where applicable).
  • Greenfield Business Registration Proof :- Certificate of Incorporation, Memorandum & Articles of Association (MoA/AoA), or a valid registered Partnership Deed.
  • Corporate Entity Operational Licenses :- Copy of GSTIN registration, Udyam Registration (MSME), and necessary municipal trade or environmental compliance licenses.
  • Active Banking & Tax Records :- Updated corporate or personal bank account statements for the last 12 months, along with the latest filed Income Tax Returns (ITR).
  • Comprehensive Project Report (CPR) :- A detailed business project plan highlighting technical viability, infrastructure/machinery costs, and 2 years of projected financial estimates.
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