Stand-Up India Scheme (SUI)
Composite loans from ₹10 lakh to ₹1 crore for Greenfield enterprises by SC/ST and women entrepreneurs
Quick Stats
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. [2][1]
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. [1][5]
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. [7][1]
Greenfield Focus
For first‑time ventures; non‑individual enterprises must have 51% SC/ST and/or women ownership/control.
Composite Credit
Term loan plus working capital; OD via RuPay up to ₹10 lakh; higher WC via cash credit.
Credit Guarantee
Collateral or CGFSIL guarantee coverage via NCGTC as per bank’s security policy.
Handholding Support
Mentoring, skilling, DPR assistance and portal‑based guidance available via Stand‑Up Mitra network.
Success Stories
"Greenfield plant set up with composite SUI loan; OD on RuPay card streamlined working capital."
Asha Foods
Ready-to-eat Manufacturing
Funded: ₹45 Lakhs
"CGFSIL support enabled sanction without heavy collateral; moratorium helped during setup."
Tara Logistics
Last-mile Services
Funded: ₹80 Lakhs
"Branch handholding and portal mentorship simplified DPR and compliance for a first-time founder."
DigiKart
Omnichannel Trading
Funded: ₹25 Lakhs
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