Ministry of Finance • SIDBI
Stand-Up India Scheme (SUI)
Composite loans from ₹10 lakh to ₹1 crore for Greenfield enterprises by SC/ST and women entrepreneurs
₹1Cr
Max Loan
Greenfield
New Enterprise
RuPay
OD up to ₹10L
CGFSIL
Guarantee
- Beneficiaries
- SC/ST & Women
- Loan Type
- Composite (Term + WC)
- Interest Cap
- ≤ MCLR + 3% + TP
- Tenure
- Up to 7 Years
- Moratorium
- Up to 18 Months
- Margin
- Up to 15%
01Overview
About Stand-Up India (SUI)
Stand‑Up India facilitates bank loans between ₹10 lakh and ₹1 crore to at least one SC/ST borrower and one woman borrower per bank branch for setting up a Greenfield enterprise in manufacturing, services, trading, or allied agriculture. Loans are composite, covering term and working capital needs.
Pricing is capped at the lender’s MCLR + 3% + tenor premium. Tenure is up to 7 years with a moratorium up to 18 months. Margin money up to 15% is allowed, with at least 10% borrower contribution; convergence with eligible Central/State schemes is permitted.
Loans may be secured by collateral or through the Credit Guarantee Fund Scheme for Stand‑Up India Loans (CGFSIL) operated by NCGTC, as per bank policy.
- 01
Greenfield Focus
For first‑time ventures; non‑individual enterprises must have 51% SC/ST and/or women ownership/control.
- 02
Composite Credit
Term loan plus working capital; OD via RuPay up to ₹10 lakh; higher WC via cash credit.
- 03
Credit Guarantee
Collateral or CGFSIL guarantee coverage via NCGTC as per bank’s security policy.
- 04
Handholding Support
Mentoring, skilling, DPR assistance and portal‑based guidance available via Stand‑Up Mitra network.
02Who can apply
Eligibility Criteria
Who Can Apply
4 points- SC/ST and/or Women entrepreneurs, 18 years or above.
- Greenfield enterprise in manufacturing, services, trading, or allied agriculture.
- No default with any bank/NBFC; satisfactory credit history.
- For non‑individuals, at least 51% shareholding and control by SC/ST and/or Women.
Loan Parameters
4 points- Amount between ₹10 lakh and ₹1 crore (composite).
- Interest ≤ MCLR + 3% + tenor premium.
- Tenure up to 7 years; moratorium up to 18 months.
- Margin up to 15%; minimum 10% own contribution required.
Security & Guarantee
3 points- Primary: assets created out of the loan; hypothecation/mortgage as applicable.
- Collateral security or CGFSIL guarantee at bank’s discretion.
- Working capital up to ₹10 lakh via OD with RuPay card; above via Cash Credit.
03Paperwork
Required Documents
0 / 9 ready
Tick the documents you already have
KYC & Constitution
Financials & Projections
Security & Compliance
04Step by step
Application Process
- 01
Portal Onboarding
1–3 DaysRegister on Stand‑Up Mitra portal or approach a bank branch; receive handholding, e‑forms, and guidance.
Ready borrowers can proceed directly with application.
- 02
Appraisal & Sanction
3–10 DaysBank evaluates viability, category eligibility, security/CGFSIL, and pricing within interest cap.
Timelines vary by bank and project type.
- 03
Documentation & Disbursement
2–7 DaysExecute sanction terms, provide security/CGFSIL documentation, and receive term/WC disbursements.
RuPay OD issued for WC up to ₹10 lakh.
- 04
Implementation & Support
OngoingProject setup, compliance, and ongoing support via mentorship and schemes convergence for margin.
Up to 15% margin support via convergence.
05Why it's worth it
Key Benefits
Inclusive Entrepreneurship
Targets SC/ST and women entrepreneurs with first‑time Greenfield ventures across sectors.
- Manufacturing
- Services
- Trading
Flexible Finance
Composite loan structure with OD for small WC and CC for higher WC needs.
- Term + WC
- RuPay OD up to ₹10L
- Cash Credit above ₹10L
Credit Protection
Option of CGFSIL guarantee via NCGTC when collateral is insufficient.
- Lower risk for banks
- Better access
- Standardized process
Capped Pricing
Interest rate capped at ≤ MCLR + 3% + tenor premium to maintain affordability.
- Transparent
- Bank‑linked
- Predictable EMIs
06Questions
Frequently Asked Questions
- SC/ST and/or women entrepreneurs aged 18+ setting up Greenfield ventures; non‑individuals must have 51% ownership/control by the target group.
- Composite loans ₹10 lakh–₹1 crore; interest ≤ MCLR + 3% + TP; tenure up to 7 years; moratorium up to 18 months; margin up to 15% with at least 10% own contribution.
- Banks may take collateral or use CGFSIL guarantee; primary security is assets financed/hypothecated.
- Register/apply via Stand‑Up Mitra portal or visit a bank branch; handholding and mentorship are provided through the portal network.
- Manufacturing, services, trading, and allied agriculture activities for new enterprises.
Plan your EMI before you apply
See the monthly instalment, the real cost of interest and how the balance falls, year by year.
EMI Planner
Drag the sliders — everything updates live
Monthly EMI
₹32,241
Total interest
₹4.34 L
Total payable
₹19.34 L
Principal 78%
Interest 22%
Every ₹1 borrowed costs ₹1.29 in total.
What you pay each year
Illustrative only. Your actual rate depends on the lender, scheme and your credit profile.
Real outcomes
Success Stories
“Greenfield plant set up with composite SUI loan; OD on RuPay card streamlined working capital.”
Asha FoodsReady-to-eat ManufacturingFunded: ₹45 Lakhs“CGFSIL support enabled sanction without heavy collateral; moratorium helped during setup.”
Tara LogisticsLast-mile ServicesFunded: ₹80 Lakhs“Branch handholding and portal mentorship simplified DPR and compliance for a first-time founder.”
DigiKartOmnichannel TradingFunded: ₹25 Lakhs
Stand-Up India
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