Stand-Up India Loan 2026 – ₹10 Lakh to ₹1 Crore for SC/ST & Women

🚀 What is Stand-Up India?

Stand-Up India is a Government of India scheme to facilitate bank loans between ₹10 lakh and ₹1 crore to at least one SC or ST borrower and one woman borrower per bank branch for setting up a greenfield enterprise. It provides composite loans (term loan + working capital) with a government guarantee.

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₹10L – ₹1 Crore

Loan Range

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Women Entrepreneurs

Priority Category

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7 Years

Maximum Repayment Period

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18 Months

Moratorium Period

Who Can Apply?

SC (Scheduled Caste) or ST (Scheduled Tribe) entrepreneurs
Women entrepreneurs, any caste/category
Must be above 18 years of age
For greenfield projects only, new manufacturing, services, or trading enterprise
In case of non-individual enterprises, at least 51% shareholding by SC/ST or woman
Borrower should not be in default with any bank or financial institution

Documents Required

Aadhaar card + PAN card
Caste certificate (for SC/ST applicants)
Project report with financial projections
Proof of business registration (if existing)
Last 2 years ITR (if applicable)
Bank statements, 6 months
Quotation for machinery/equipment
Passport-size photographs

Loan Structure

The loan is a composite loan covering:

Term Loan: For capital expenditure, machinery, equipment, infrastructure
Working Capital: Cash credit or overdraft for day-to-day operations

Interest rate: Base rate (MCLR) + 3%, currently around 10–13% p.a.

Collateral: Covered under CGTMSE guarantee. No separate collateral required.

Moratorium: 18-month repayment holiday from first disbursement.

How to Apply

Check eligibility

Confirm you are SC/ST or a woman entrepreneur planning a new business. Existing businesses are not eligible, this is for greenfield ventures only.

Prepare a project report

A clear project report with cost estimates, revenue projections, and break-even analysis significantly improves approval chances. Guhan Capitals helps you prepare this.

Apply via Standupmitra portal

Visit standupmitra.in and register. The portal connects you to your nearest bank branch. Guhan Capitals can guide you through the portal.

Bank appraisal

The bank verifies your project report and KYC documents. They may request a meeting to discuss your business plan.

Sanction and disbursement

Upon approval, the composite loan is disbursed. Term loan tranche first, then working capital credit limit is activated.

Apply Through Guhan Capitals, It's Free

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Frequently Asked Questions

Can an existing business apply for Stand-Up India?▼

No. Stand-Up India is exclusively for greenfield (new) enterprises. If you are expanding an existing business, you should look at CGTMSE or Mudra loans instead.

Is Stand-Up India loan available for all sectors?▼

Yes, manufacturing, services, and trading sectors are all eligible. Agriculture (primary) is not covered, but agro-processing and food manufacturing are eligible.

What is the repayment period?▼

Maximum 7 years with an 18-month moratorium from the date of first disbursement. You do not need to pay any principal for the first 18 months.

How is Stand-Up India different from Mudra loan?▼

Mudra is for existing micro-businesses up to ₹20 lakh. Stand-Up India is for new enterprises and offers ₹10 lakh to ₹1 crore specifically to SC/ST and women entrepreneurs with a longer tenure.