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Stand-Up India

Department of Financial Services, Ministry of Finance

Composite loan of ₹10 lakh to ₹1 crore, repayable over 7 years· Credit Support

What is this?

Stand-Up India helps SC/ST and women entrepreneurs get bank loans to start a new business for the first time.

Objectives

  • Facilitate bank loans between ₹10 lakh and ₹1 crore to at least one SC/ST entrepreneur and at least one woman entrepreneur per bank branch, for a greenfield enterprise in manufacturing, services, trading, or agri-allied activity.

Who can apply?

  • Applicant must be from the SC/ST category or a woman, above 18 years of age.
  • Finance is provided only for greenfield (new) enterprises.

What do you get?

  • Composite loan (term loan + working capital) above ₹10 lakh and up to ₹1 crore.
  • Repayable over 7 years, with a maximum moratorium of 18 months.

How to apply

  • Apply through the lead/participating bank branch for the composite loan.
  • Note: per the source playbook, the scheme was "launched 05.04.2016 and was valid/operational till March 2025" — confirm with your bank or the Department of Financial Services whether it has since been extended before relying on it.

Key links

Best suited for

Credit Support

Common questions

Answers from this page only — not legal or financing advice.

What is Stand-Up India?

Stand-Up India helps SC/ST and women entrepreneurs get bank loans to start a new business for the first time.

Who is this scheme typically for?

Applicant must be from the SC/ST category or a woman, above 18 years of age. Finance is provided only for greenfield (new) enterprises.

Does FoundersOffice guarantee approval under this scheme?

No. Scheme pages here are advisory summaries for discovery. Eligibility, amounts, and process change — confirm on the official nodal ministry or scheme portal before applying.

Is FoundersOffice a government site?

No. FoundersOffice Idea Browser is an independent discovery and briefing tool — not affiliated with the Government of India, MSME, KVIC, DIC, or any bank. Nothing here is a sanction, loan offer, or guarantee of subsidy.

Disclaimer: Costs and sample reports are published by PMEGP / MSME authorities. FoundersOffice Idea Browser is an independent discovery and briefing tool — not affiliated with the Government of India, MSME, KVIC, DIC, or any bank. Nothing here is a sanction, loan offer, or guarantee of subsidy. Heuristics and future scores are advisory; verify on the official portal before applying.

Source: “Playbook of Government Schemes and Initiatives for Startups” (Govt of India, June 2026) · verify against the official scheme source before relying on this for a filing.