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Stand-Up India 2026: Eligibility, Benefits & How to Apply

Stand-Up India (स्टैंड-अप इंडिया) — Bank loans of ₹10 lakh–₹1 crore · Women and SC/ST first-time entrepreneurs

Scheme period ended 31 Mar 2025

Bank loans of ₹10 lakh–₹1 crore — Women and SC/ST first-time entrepreneurs

LATEST · 5 Feb 2026The Finance Ministry's DFS page says Stand-Up India ran up to 31 March 2025, and Budget 2025-26 announced a new scheme giving term loans up to Rs 2 crore to 5 lakh first-time women, SC and ST entrepreneurs. financialservices.gov.in ↗

Note: The Finance Ministry (DFS) page says Stand-Up India ran up to 31 March 2025. Budget 2025-26 announced a new term-loan scheme of up to ₹2 crore for first-time women, SC and ST entrepreneurs; its guidelines were not published at the time we checked. financialservices.gov.in ↗

Source: myscheme.gov.in · checked 21 Oct 2026

Stand-Up India quick answers

Benefit

  • Facilitation of composite loan (inclusive of term loan and working capital) between ₹10 Lakhs and ₹100 Lakhs. Rupay debit card to be issued for convenience of the borrower.
  • The web portal by SIDBI provides hand-holding support through a network of agencies engaged in training, skill development, mentoring, project report preparation, application filling, work shed / utility support services, subsidy schemes etc.

Source: myscheme.gov.in ↗ · 21 Oct 2026

Latest official updates

  • The Finance Ministry's DFS page says Stand-Up India ran up to 31 March 2025, and Budget 2025-26 announced a new scheme giving term loans up to Rs 2 crore to 5 lakh first-time women, SC and ST entrepreneurs.financialservices.gov.in ↗
  • Loans sanctioned under Stand-Up India reached Rs 61,020.41 crore by 17 March 2025.pib.gov.in ↗

Am I eligible for Stand-Up India?

Who can apply

Tick each line that is true for you.

Source: myscheme.gov.in ↗ · 21 Oct 2026

How to apply

Steps

  1. Either approach your nearest bank branch to apply (locate your nearest bank here - https://www.rbi.org.in/Scripts/query.aspx )Or Through the Lead District Manager (LDM) (find the address and the email of the LDM of your district here - https://www.standupmitra.in/LDMS#NoBack)
  2. Or Apply Through Portal: www.standupmitra.in
  3. The first step is to visit the official portal of StandUp India at: https://www.standupmitra.in/Login/Register
  4. Enter the full details of the business location.
  5. Select the category between SC, ST, Woman, and whether the stake held is 51% or higher.
  6. Select the nature of the proposed business; the loan amount desired description of the business, the details of the premises, etc.
  7. Populate the fields with past business experience, including tenure.
  8. Select the need for hand-holding is required.

Documents

  • Proof of Identity: Voter’s ID Card / Passport / Driving License / PAN Card / Signature identification from present bankers of proprietor, partner of director ( if a company)
  • Proof of Residence: Recent telephone bills, electricity bill, property tax receipt /Passport / voter’s ID Card of Proprietor, partner of Director (if a company)
  • Proof of Business Address
  • Proof that the applicant is not a defaulter in any Bank / Financial Institution
  • Memorandum and articles of association of the Company / Partnership Deed of partners etc.
  • Assets and liabilities statement of promoters and guarantors along with latest income tax returns.
  • Rent Agreement (if business premises on rent) and clearance from pollution control board if applicable.
  • SSI / MSME registration (if applicable)
  • Projected balance sheets for the next two years in case of working capital limits and for the period of the loan in case of term loan.
  • Photocopies of lease deeds/ title deeds of all the properties being offered as primary and collateral securities.

Source: myscheme.gov.in ↗ · 21 Oct 2026

Stand-Up India: questions people ask

What is the nature and size of the loan under the Stand-Up India Scheme?

Composite loan (inclusive of term loan and working capital) between 10 lakh and up to 100 lakh representing up to 85% of the project cost would be eligible.

How much will be the interest rate for the loan?

The rate of interest would be lowest applicable rate of the bank for that category (rating category) not to exceed (base rate (MCLR) + 3%+ tenor premium).

By when am I expected to repay the loan?

The loan is repayable in 7 years with a maximum moratorium period of 18 months.

What is Hand-holding Support?

Any new entrepreneur requires guidance in his endeavor to set up his or her business enterprise starting from training to filling up loan applications as per bank requirements.

Source: myscheme.gov.in ↗

What changed on this page

· The Finance Ministry's DFS page says Stand-Up India ran up to 31 March 2025, and Budget 2025-26 announced a new scheme giving term loans up to Rs 2 crore to 5 lakh first-time women, SC and ST entrepreneurs.

· Loans sanctioned under Stand-Up India reached Rs 61,020.41 crore by 17 March 2025.

· Facts checked against the official sources on 21 Oct 2026.

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