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Stand Up India Loan Scheme 2026 - Revamped, Apply, Eligibility & Interest Rates

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हिन्दीमराठीবাংলাગુજરાતીதமிழ்తెలుగుಕನ್ನಡമലയാളംਪੰਜਾਬੀଓଡ଼ିଆঅসমীয়া

Stand Up India Scheme is a central government loan scheme that helps Scheduled Caste (SC), Scheduled Tribe (ST) and women entrepreneurs start their own business. Launched on 5 April 2016, the scheme gives bank loans between ₹10 lakh and ₹1 crore for greenfield projects in manufacturing, services, trading and agriculture-allied sectors.

Original scheme completed its term on 31 March 2025. In the Union Budget 2025-26, the government announced a new scheme for 5 lakh women, SC and ST first-time entrepreneurs with term loans up to ₹2 crore. In March 2026, Finance Minister Nirmala Sitharaman told the Lok Sabha that the revamped Stand Up India scheme is being redrafted and will be launched soon.

Stand Up India Scheme 2026 - Key Update

The revamped Stand Up India scheme will give bigger bank loans to SC, ST and women entrepreneurs who want to start a new business. Loan limit is set to be doubled from ₹1 crore to ₹2 crore per eligible borrower. Along with money, the government also plans to add online skill training so first-time founders can plan their business better before taking the loan.

Till the revamped rules are officially notified, the old framework of bank loans between ₹10 lakh and ₹1 crore is being followed by many banks under linked products. The standupmitra.in portal is still live for registration and handholding support. So if you are ready with your idea, you can start the process now and get the revised benefit once the new notification comes.

As on 28 February 2025, the scheme had sanctioned 2.67 lakh accounts with a total amount of ₹60,504 crore, of which ₹34,450 crore was disbursed. Women entrepreneurs held 1.99 lakh of these accounts, making them the biggest group of beneficiaries.

DetailInformation
Scheme NameStand Up India Scheme
Launched ByMinistry of Finance, Government of India
First Launched5 April 2016
Revamp AnnouncedMarch 2026 by FM Nirmala Sitharaman
Eligible PeopleSC, ST and Women Entrepreneurs (18+ years)
Loan Amount₹10 lakh to ₹1 crore (going up to ₹2 crore in revamped scheme)
RepaymentUp to 7 years with 18 months moratorium
Application ModeOnline / Bank branch
Official Websitestandupmitra.in

Purpose of Stand Up India Scheme

The scheme is built around one simple idea. Every bank branch of a Scheduled Commercial Bank is expected to support at least one SC or ST borrower and one woman borrower for setting up a new enterprise. The main aims of the scheme are given below.

  • Promote entrepreneurship amongst women, SC and ST category so more people can start their own business.
  • Provide loans for greenfield enterprises in manufacturing, services or the trading sector and activities allied to agriculture.
  • Facilitate bank loans between ₹10 lakh and ₹1 crore to at least one SC/ST borrower and at least one woman borrower per bank branch of Scheduled Commercial Banks.

Who can apply for the loan

Before you register, check if you fit into the eligible group. Rules are strict on the greenfield part, meaning this must be a fresh business, not an existing one. Here is the eligibility criteria for the Stand Up India loan.

  • Applicant must be at least 18 years old on the date of application, with no upper age bar for most banks.
  • Male applicants must belong to the SC or ST category, while women applicants of any category are eligible.
  • Business must be a greenfield venture, that is, the applicant's first project in manufacturing, services, trading or agriculture-allied sectors.
  • Borrower must have a clean credit record and should not be a defaulter to any bank or financial institution.
  • For non-individual businesses like partnerships or companies, at least 51% ownership and controlling stake must be held by an SC, ST or woman entrepreneur.

How to apply for Stand Up India loan online

Application is fully online through the SIDBI-run Stand Up India portal. You can also walk into your nearest bank branch or contact your Lead District Manager (LDM) if you want offline help. Steps below are simple and can be finished in one sitting if your documents are ready.

STEP 1 - Open the official portal at standupmitra.in and click on the 'Register' button on the homepage. First-time users need to create a login using their mobile number and email ID.

STEP 2 - Fill in your business location details like state, district and pin code. Then select your category from SC, ST or woman entrepreneur to make sure the right eligibility is checked.

STEP 3 - Enter the nature of your proposed business, whether it is manufacturing, services, trading or agriculture-allied, and mention the loan amount you need between ₹10 lakh and the current upper limit.

STEP 4 - Give details about your business premises, past work experience and whether you need handholding support like project report preparation, training, mentoring or margin money support.

STEP 5 - Review all the information, upload the required documents and click on 'Submit'. Once your application is registered, a bank official or a handholding agency will contact you to complete the loan formalities. You can also apply for the loan through the jansamarth.in portal.

Stand Up India Scheme Apply Banks List
Stand Up India Scheme Apply Banks List

Loan amount and interest rate

Composite loan of 75% of project cost is given, inclusive of term loan and working capital. The stipulation of loan covering 75% of project cost would not apply if the borrower's contribution along with convergence support from any other scheme exceeds 25% of project cost.

Interest rate is the lowest applicable rate of the bank for your category and does not go beyond base rate (or MCLR) plus 3% plus tenor premium. In practice, most banks charge somewhere between 9% and 13% per year depending on your profile, project and bank policy. The low interest rate helps reduce the burden of paying back the loan amount.

Repayment and security of the loan

Loan is repayable in 7 years with a maximum moratorium of 18 months, so you get breathing space before EMIs begin. Besides primary security, the loan may be secured by collateral security or guarantee of Credit Guarantee Fund Scheme for Stand Up India Loans (CGFSIL) as decided by the banks.

For amounts up to ₹25 lakh, most banks do not ask for extra collateral because the loan is covered under CGFSIL, which makes it much easier for first-time founders to qualify. For higher amounts, collateral rules depend on the bank. A RuPay debit card is issued to the borrower for day-to-day business payments and withdrawals.

Documents required for Stand Up India loan

Keep a complete file ready before you visit the bank. Missing paperwork is the biggest reason applications get delayed. Basic documents for every applicant include proof of identity like PAN card, Voter ID, passport or driving licence, proof of residence such as electricity bill, phone bill or tax receipt, proof of business address, a declaration that you are not a defaulter with any bank, and a caste certificate for SC or ST applicants or proof of 51% shareholding for women or SC/ST-owned firms.

You will also need memorandum and articles of association or a partnership deed if applicable, an assets and liabilities statement of promoters, latest income tax returns, rent agreement if the office is leased, pollution control clearances and projected balance sheets for the loan tenure. If your loan amount is more than ₹25 lakh, banks ask for a few extra papers like a detailed profile of your unit, last three years of balance sheets of associate or group companies and a full project report.

Progress of Stand Up India Scheme

The scheme has grown steadily since its launch. As on 28 February 2025, the scheme had sanctioned 2.67 lakh accounts with a total amount of ₹60,504 crore, of which ₹34,450 crore was disbursed. Women entrepreneurs held 1.99 lakh of these accounts, making them the biggest group of beneficiaries.

Among the biggest beneficiaries of the scheme were women entrepreneurs, accounting for over 81% of account holders. The scheme has provided loans to SC and ST borrowers as well, helping them set up greenfield enterprises and create employment. If your loan need is smaller, you can also check the Pradhan Mantri Mudra Yojana, since MUDRA covers loans up to ₹20 lakh for micro and small units.

FAQ's

Is Stand Up India Scheme still active in 2026?

Original scheme completed its term in March 2025. Government has announced a revamped Stand Up India Scheme in March 2026 with bigger loan limits, and the standupmitra.in portal is still open for registration and handholding.

What is the new loan amount under the revamped Stand Up India Scheme?

Loan limit is being doubled from ₹1 crore to ₹2 crore for SC, ST and women entrepreneurs under the revamped scheme announced by the Finance Minister.

Can a male general category applicant apply for Stand Up India loan?

No, male applicants must belong to SC or ST category. Women applicants of any category are eligible.

What is a greenfield project under this scheme?

Greenfield project means a first-time venture by the applicant in manufacturing, services, trading or agriculture-allied sector. Existing units are not covered.

What is the repayment period for Stand Up India loan?

Loan is repayable in up to 7 years with a maximum moratorium of 18 months before EMIs start.

Is any collateral needed for the loan?

For loans up to ₹25 lakh, most banks do not ask for extra collateral because the loan is covered under the Credit Guarantee Fund Scheme for Stand Up India (CGFSIL). For higher amounts, collateral rules depend on the bank.

141 comments

I want to get loan from the stand up scheme for setting up piggery firm, so please help me that I may get loan. Thanks.

SIr,

Iam kusuma from vizag,sir please tell me how to aplly for this loan,i have started a small super market,so please tell me what is the process for this loan.

Thanks

Ji, me also want to be the loan.i like the scheme. But iam a mbc community.iam opening for online shopping business in world level please inform

Sir aata chukky thaliana hai usakeliye stand up India se loan chahiye kaise apply karu

Sir/Maam,

I am aspiring to open a Coffe Shop chain in Delhi NCR. Please advise how to apply for the loan

Sir/Maam

I completed Applied Arts.So i will start Add Agency.Please advise how to apply for the loan.

sir/madum, I want open a school for business purpose and also charitable for poor children.for this purpose I want loan under the scheme stand up India.kindly advice me how aply for loan.

Sir,, I want to open a restaurant.for that purpose.I just want taken loan under the scheme stand up India...so kindly advice me how to apply for loan..or sir Iam in general category... So plz advice me.....

I want to get loan under standup India scheme .but we don't' know how to apply.pls give more inf about that

Sir,, I want to open a poly bag machine.for that purpose.I just want taken loan under the scheme stand up India…so kindly advice me how to apply for loan..or sir Iam in sc category… So plz advice me…..

Dear Sir/Madam,

I want to make chicken firm and goat fir in Odisha kindly suggest me how can I get the loan from stand up India so that I will run my own business.

Thanks & Regards,

Nandita Behera

I want to take a loan for start business. I am a defaulter but not intensionally. Am I eligible for the same and how I can I get the loan please reply.

I want a this loan I have a better business plan "natural ayurvedic sambar masala" plz give me reply sir plzzzzzzz sirji I am very poor family sir please tell me how to apply sir please believe me sir. 9553752070

I want to open a showroom in darjeeling and I am s/c so please provide loan and help me

Vinod Kumar

Muje sewing machine ka kam or
Badana h eske leye loan chahiye Mari
Farm ragistar h

Dear Sir,

Kindly help me to give us the loan its very important for me, as because i have to run my family and my financial was not so good..

Thanking you.

I went to open a furniture factory in pilibhit(U.P) and I am S/C so please 1Cr.Loan and help me

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Sir I want to get loan from stand up India scheme.How can I get the loan.I will start to small supermarket.so please help me sir how to get it.My no.9198239582.Thank you.

fir sc/st ke liye start kardi scheme general candidate kya paise wale hi paida hote hain jo unke liye kuchh nhi.

Dear sir , I want to start a import export business . so want to get a loan from this scheme . plz tel me sir how I can apply for this loan and what steps I do for getting this loan . plz give me reply and ur great wishes also.I hope U will help me........ Bcoz that much believe and loves upon u sir .....
Thank u

sir mai sc cast se hu loan lene hai muzzafarpur(bihar) me office ke bare me app adderss ki jankari dejey

Dear sir ,I am Ravi from bodhgaya .I belongs from SC caste I have need to take loan...for start the business of water plant in bodhgaya (bihar) so if possible plz help us sir ...I will pay the loan as soon as after the business.

ir I want to get loan from stand up India scheme.How can I get the loan.I will start to small supermarket.so please help me sir how to get it.My no9911998843.Thank you.

Reply

Juanid Ahmad New Delhi

Sir i am rajesh mehra is sc cost sir dary hatu mujha lon ki absakta hai sir yaha pay panchyat balay sarpanch sacep koi yjna nahi batay hay sis ples mey ak yang yubak sir ples my halp me

Sir I want start new own medicalstore in my city and it very helpful for our pepole.thats why Iwant loan from stand up lndia scheme .pls giving details about the loan .(9483695854)

Sir,I want to get loan and start a new medicalstore in my city and it will very helpful for our pepole.thats why I want to loan from stand up lndia scheme to start a medicalstore .pls giving details about the loan .I belongs to the sc category (9483695854)

I WANT LOAN TO OPEN A SHOP MY FINANCIAL CONDITION IS VERY POOR .PLEASE GRANT ME LOAN.MOBILE NO
9831353726

SIR,
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Sir me refrigeration service shope kholana chahata hu lone lena chahata hu jisake liye 200000 lakh ka lone chahiye pls helpe me me refrigeration ka kusal karigar hu 9754007448

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Sir,
. I want to open a GYM... So that's why I need Money near about 5Lakhs.... So please provide me and help ...to open a Gym...

Sir, I have want open a restaurant against pm standup yojna . I am belong to obc . So please tell me I apply for lone

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Sir/mam
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So please give me a idea for loan by stand up start up India.
Thanks sir/mam

I AM A PRIVATE TEACHER . I WANT TO TAKE LOAN FOR MY REGISTERED FIRM PLEASE GIVE ME HINTS

Dear sir i am Tushar s Sapakale from kurha Kakoda Tal_Muktainagar Dist_Jalgaon state_Maharashtra.i am so glad to see this sceam i am so interested its helps me for earning so pls guide me
Thanking you

I want open school for poor children please help me Give lone How to apply stand up india

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i want open the small shop how can apply the lone
Kishorkumar thakkar
bela thakkar

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Sir
I am jitendra Kumar,belong to sc
I want to get loan from stand up India scheme.How can I get the loan give me instructions & I will start to small water business,
thankyou

My no.8009427639

I m housewife and I start a ayurvedic medical store to a poor and old age people patient.helping for small budget medicines to cure from every health problem so I need stand up loan to start and I have not financial help from anywhere

I am Srihari Dalai, belongs to SC category, I am interested for a start up business as a COMMERCIAL LAYERS, So I need a loan amount INR Five Crore, please help me out for getting this loan, my Mob no-9000905600, email-sriharidalai@gmail.com

sir
I want open a school for business purpose and also charitable for poor children.for this purpose I want loan under the scheme stand up India.kindly advice me how aply for loan.

SIR THIS IS NITIN KHANNA FROM JALANDHAR (PUNJAB). I AM DOING TRADING OF VALVES & COCKS. I WANT TO GET LOAN OF 15LAKHS. PLEASE GUIDE ME HOW CAN I APPLY THIS LOAN.
THANKS & REGARDS

Sir i want loan amount 12-50 laks but i have no running bussiness only bussines idea so please advise me

sir, i wat loan amount 1 cr for the project i want to create in tourism filed in my one land near river bank
in a foam of resort how i ll go to proceed .

sir i am a physical challenge(DIBYANG). my family is very poor. i want a business but financial conditions very critical .my number 7873546950

sir we have a partnership firm of developer.we wand to build a residential building for sell. we need a loan of 1 crore. how can we get. we have a new firm. please suggest. we comes in open cast category.

I want to get loan under standup India scheme .but we don’t’ know how to apply.pls give more inf about that

we are two partner .we just passout b.tech this year 2016. we want to open our cooler and some other electric product manufacturing company of our own brand . but we have no capital for this bussinus . so how can we arrenge money or loan from bank .we have zero capital for this but we want to do this businuss

sir, I want loan amount for the project of Mineral drinking water Plant. Mudhra bank can me provide the entire amount contusion and land of stall project. please guide for this purpose of loan.

Dear Sir ,
i want loan amount for the project of Flush Door , Laminate Door , Home Furniture product manufacturing company of our own brand .so please guide me how can be get loan from stand up India schem.
Thanks

sir i start mens wear wholsale bussion within three month thero need 25lac working capital

Sir i need 15lacs loan for traning centre as computer repair. Mobile repair. Yoga classes how can processur for loan . Iwant after traning provide unimployed people get job. So please please guide perpuse of loan.

Sir mujhe ek footwear ki shop kholni hai iske liye mujhe kuch lone chahiye. Plz bataye ki iska kya process hai aur ye kaise prapt hoga.

Respected sir,
I want a loan about 25lakh,to start our another place Devghar (laundry plant). If possible ASAP plzzz revert me other wise I understand it's a fake Start-up India.I have almost all papers to start a new business.

Dear
sir
I want to get a loan start up india scheme. how can I get the loan
I will start a super market. so please
help me. I sc candidate

Dear sir iwant loan amount 50lacks for Retail online vegetables& fruits and grocery business but i have no running business only business idea so please advise me sir

Dear sir iwant loan amount 50 lacks for the project of grocery furits & vegetables supermarket Retail & online Distribution company Startup india schem business so please help me sir

Dear sir iwant loan amount 50 lacks for the project of grocery furits & vegetables supermarket Retail & online Distribution company Startup india schem business so please help me sir

Reply

Dear sir I want to 30L for the two wheeler dealership in my area so how to apply for the stand up India so that I will run my own business.

Dear sir,
I want to get a loan start up India.
How can I get the loan
I will start a bussiness so
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Thank u sir

I want to get loan under standup India scheme .but we don’t’ know how to apply.pls give more inf about that

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Respected Sir,
I want to get a loan from Start Up India for goat farming, can I get loan for that, if yes then how much I ll get loan.
N please give me more information about how can I apply for this loan.
Thank you sir.

I am ashok kumar sc..start new business agricolchar poutary farming pilz helf bank Loan allevl document and cpdo safitict and udhyog register msme pilz helf bank Loan

सेवा मैं
श्रीमान नरेन्द्रमोदी जी
सर-
सविनय निवेदन है कि सर जी एक लोन का लाभ मुझे भी दिलाने की कृपा करें आपकी अति कृपा होगी

मेरा मोबाइल नम्बर-8650033438

आपका आज्ञाकारी शिष्य
अमित कुमार दिनांक 27/072017

sir mh pooja punjab shh hu sir mh sc categiriy sh hu mh traning air hostes ki traning lena cahhti hu sir sir muje 2,50,000 ru cahiye pikzz help me thanks

Hello ppl

i would like to start one restaurant in hyd so am i eligible for stand up,,,,please let me know.........can i apply stand up scheme to start restaurant...

sir aapki vyapaar ki sari yojana bekar hai jab tak vayapaari ko vayapaar ke liye sahi mahol nahi milta.. ek chota kaamgar kaise market me vayapaar kar payega jab usko kachcha maal sasta nahi milega.... agr har bhartwasiyo ko vayapaar ka sahi mahol mil jaye to hum logo ko goverment ke ek rupaye ki bhi jarurat nahi hi... 7% par kaam karne wala aadmi goverment ko 12,18 aur 28 % GST deta h wo bhi ek baar nahi jab tak ek maal bazaar me nahi pahuch jata us par kam se kam 5 baar gst lag jata h...
jo samaan is desh ke nagriko ko 3 rs me milni chahiye wo samaan govt ke karan 10 rupaye me milti hai....
pahle janta par gst ki maar aur uske upar income tax ki bhi maar......yojana mme lagne wala paisa usi janta ka hai....sirf naam aapka hai....

i want a loan under PM modi stand up yojna … whare to apply
plz.inform me at email:kumararpit2009@gmail.com

i want a loan under PM modi startup yojna … whare to apply
plz.inform me at email:kumararpit2009@gmail.com

sir
I am raju kumar vill+po-Sandh ps -sirdala Nawada Bihar 805127 main kya krun jo hume bisnus ke liye lone mil sake . main bahoot har gaya hun thak gaya hun ab duniya se tang aa gaya hun .
agar mujhe koyi bisunes ke liye lone nhi mila to ...................

sab jhuth falsh hai ye sab neta mantri vidhayak ke liye hai public keliye nhi hota.
kyun sab itna vishwas karte ho yhaan ke loktantra par. loktantra neta keliye amir keliye chor ke liye badmash keliye aatanki ke liye gathit jati dharm ki sarkar hai hai. samvidhan sirf dikhane keliye bana hai

wo kahten hain na Hathi ke dant dikhane ke aur khane ke aur hote hain wahi yahaan ke samvidhan ki hal hai.

I sivaraj I start travel business in Coimbatore how to get loan from pm midi stand up India scheme

I sivaraj I start travel business in Coimbatore how to get loan from pm midi stand up India scheme my contact number 9842657682

In dhanbad Accoroding to bankers we can't get start up loan without mortgage so please stop fake promise

Hai my name is Jaya Christy I have all the documents.I need some guide and support kindly guide me. kindly support me.

SIR Muzaffarnagar m koi bi sanstha start up loan nahi deti bank bolte h aise koi scheme nahi h sir m apna business start krna chahta hu but government sath ni deti h or bolte h garibo ke liye yojna h but loan to sirf amerio k hi accept kiye jate h or bank maneger baat ni krte jin ke beech m broker hote h loan bi unhi logo ka hota h

Sir I belong to SC caste & I wanted to start wedding decorations business can I get loan for this if yes then please tell the formalities I have to do.

Dear sir /Madam
I want to start a business with help of start up India loan but no one is helping pls suggest what I can do.

Rgds
Vikash

these schemes are not for poor , these all schemes are for sc/st only . i want to ask you a question , cant a gen. category person poor? .

SIR I WANT TO START UP A BUSSINESS CAN I NEED YOURHELP PLZ FOR BEAUTY PARLOUR.I NEED 1 LAKH IN THIS SCHEME.

Sir I want to do a new business .so i request u what are the processess to take the loan under standup india yojna