Home›Jan Samarth Portal›Stand Up India Loan 2026 — Rs 10 Lakh to Rs 1 Crore for SC/ST and Women Entrepreneurs
🌟 Stand Up India
Stand Up India Loan 2026 — Rs 10 Lakh to Rs 1 Crore for SC/ST and Women Entrepreneurs
By FinMandi Research Team·June 2026·✓ Updated June 2026
🔍 Reviewed by FinMandi Research Team·✓ Sourced from official government portals·✓ Updated June 2026
⚡ Stand Up India at a Glance
Loan range: Rs 10 lakh to Rs 1 crore
Who can apply: SC borrowers, ST borrowers, or Women borrowers (any category)
Purpose: Setting up a new greenfield enterprise only
Collateral: Primary security of the project assets + CGFSIL guarantee
Interest rate: Base rate + 3% + tenor premium (as per bank)
Repayment: Up to 7 years with 18-month moratorium
Apply via: standupmitra.in or Jan Samarth portal
Who is Eligible for Stand Up India?
SC (Scheduled Caste) borrowers — must produce caste certificate
ST (Scheduled Tribe) borrowers — must produce tribe certificate
Women borrowers of any caste or category
Age: 18 years and above
Must be setting up a new greenfield enterprise (first time in manufacturing, services or trading)
In non-individual enterprises, at least 51% shareholding must be held by SC/ST or woman
Borrower must not be a defaulter with any bank or financial institution
What Sectors Does Stand Up India Cover?
Manufacturing (factory, production unit)
Services (salon, consultancy, IT services, repair)
Trading (wholesale, retail)
Agriculture-allied activities (if not pure agriculture)
Loan Structure Under Stand Up India
Component
Details
Loan amount
75% of project cost (min Rs 10 lakh, max Rs 1 crore)
Borrower contribution
Minimum 10% of project cost from own funds
Subsidy/government support
15% convergence support from DIPP or State Govt schemes (if eligible)
Moratorium
Up to 18 months before repayment starts
Repayment tenure
Up to 7 years
Interest rate
Bank's base rate + 3% + tenor premium (varies by bank)
Documents Required
Aadhaar card
PAN card
Caste certificate (SC/ST applicants)
Detailed project report
Identity and address proof
Business registration (if already registered)
Last 6 months bank statements
Photograph
How to Apply — Step by Step
1
Check eligibility at standupmitra.inOfficial portal for Stand Up India. Register and use the eligibility checker first.
2
Or apply via Jan SamarthVisit jansamarth.in, select Business category, choose Stand Up India scheme.
3
Prepare detailed project reportThe DPR must include project cost, revenue projections, employment generated and technology to be used.
4
Submit to bankApplication forwarded to the nearest branch of a scheduled commercial bank. All 27 PSU banks are mandated to sanction at least one Stand Up India loan per branch.
5
Bank verification and sanctionBank verifies documents, visits proposed site and sanctions loan. CGFSIL guarantee obtained by bank on your behalf.
Yes. Any woman borrower regardless of caste qualifies for Stand Up India. The scheme is designed for SC borrowers, ST borrowers OR women borrowers of any category.
No. Stand Up India is specifically for greenfield enterprises and borrowers who have not taken Mudra or other central government scheme loans for the same purpose. You can apply for one at a time based on your eligibility and loan requirement.
No specific experience is required. Stand Up India is for first-time entrepreneurs. However, a well-prepared project report demonstrating business viability significantly improves approval chances.
All 27 public sector banks are mandated to sanction at least one Stand Up India loan per branch per year. Private sector banks also participate. Contact your nearest SBI, Bank of Baroda, PNB or Canara Bank branch for more details.
⚠️ Disclaimer: All scheme details are based on publicly available information from official government portals as of June 2026. Eligibility criteria, subsidy amounts and processes may change. FinMandi is an independent information platform and is not affiliated with the Government of India or any bank. Always verify current scheme details on the official portals before applying.