Focus on Inclusion
Designed specifically to promote entrepreneurship among SC/ST and women entrepreneurs facing credit constraints.
Greenfield Business Loan Scheme
Stand-Up India
Stand-Up India Scheme for SC/ST & Women Entrepreneurs
Flagship scheme that facilitates bank loans between ₹10 lakh and ₹1 crore to SC/ST and
women entrepreneurs for setting up new greenfield enterprises in manufacturing, trading,
services and allied activities.
Who Can Apply?
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Eligible Category
SC/ST and/or women entrepreneurs above 18 years of age planning to set up a new business.
✓
Greenfield Enterprise
Loan must be for a first-time venture (greenfield project) in manufacturing, services, trading or allied agricultural activities.
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Shareholding Requirement
In case of non-individual entities, at least 51% shareholding and controlling stake should be held by SC/ST and/or women entrepreneurs.
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Bank Branch Coverage
Available across all Scheduled Commercial Bank branches, with a target of at least one SC/ST and one woman borrower per branch.
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Credit History
Applicant should not be in default with any bank or financial institution at the time of application.
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Project Size
Project cost should be within ₹10 lakh to ₹1 crore range, including term loan and working capital components.
Key Features
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🏭
Greenfield Projects Only
Supports new ventures in manufacturing, services, trading and allied sectors instead of existing businesses.
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Composite Loan
Provides a composite loan that can cover both term loan and working capital requirements under a single facility.
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All Scheduled Banks
Implemented through all Scheduled Commercial Banks with support from Stand-Up Mitra portal and handholding agencies.
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Handholding Support
Handholding and guidance available for project preparation, margin money, and convergence with other schemes.
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Flexible Margin & Security
Margin money and security norms decided by banks; credit guarantee and other support may be dovetailed where available.
Scheme Benefits
Access to formal bank finance for first-time SC/ST and women entrepreneurs without prior business track record.
Support available across manufacturing, trading, services and allied agriculture sectors.
Bank and Stand-Up Mitra ecosystem provide guidance, application support and handholding.
High ticket size range from ₹10 lakh to ₹1 crore suitable for meaningful, scalable projects.
Composite loan structure combines term loan and working capital for smoother cash flow.
Helps build credit history and financial discipline for future scaling or additional funding.
Application Process
01
Initial Assessment & Registration
Check your eligibility category (SC/ST or woman), define your business idea and optionally register on the Stand-Up Mitra portal for guidance.
02
Prepare Project & Documents
Prepare a project report with business model, cost, means of finance and basic financial projections along with required KYC and business documents.
03
Approach Bank Branch
Visit a nearby Scheduled Commercial Bank branch or connect via Stand-Up Mitra; submit the loan application with project details and documents.
04
Sanction, Documentation & Disbursement
Bank appraises the proposal, sanctions the composite loan, completes documentation and disburses funds in line with project requirements.
FAQs
Frequently Asked
Questions
Questions
Under the Stand-Up India Scheme, eligible borrowers can get bank loans between
₹10 lakh and ₹1 crore for setting up new greenfield enterprises.
SC/ST individuals and women entrepreneurs above 18 years of age planning to
start a new business in manufacturing, services, trading or allied sectors can
apply.
No. Both individuals and non-individual entities like companies or partnerships
are eligible, provided at least 51% shareholding and control is with SC/ST
and/or women entrepreneurs.
Stand-Up India primarily provides bank loans; it does not offer a direct capital
subsidy, but banks may dovetail credit guarantee or other benefits as per
guidelines.
You can begin by visiting the nearest bank branch or registering on the Stand-Up
Mitra portal, then preparing your project report and submitting a loan
application with the required documents.
Contact
Let’s Build
Intelligent Things
Intelligent Things
E-mail address
Info@naavbharat.com
Phone number
+91 90812 22372