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    Department of Financial Services

    SUI

    Stand-Up India Scheme

    Non-dilutive

    Composite bank loan of Rs.10 lakh-1 crore covering up to 85% of project cost (term loan + working capital), borrower bringing a minimum 10% own contribution, with portal-based handholding support.

    The schemeNon-dilutive

    Stand-Up India Scheme

    Composite bank loan of Rs.10 lakh-1 crore covering up to 85% of project cost (term loan + working capital), borrower bringing a minimum 10% own contribution, with portal-based handholding support.

    Who qualifies

    SC/ST and/or woman entrepreneurs above 18 setting up a first-time (greenfield) enterprise in manufacturing, services, agri-allied or trading; for non-individual enterprises at least 51% shareholding and controlling stake held by SC/ST and/or a woman; borrower not in default to any bank/FI.

    Instrument
    Debt / term loan
    Issued by
    Department of Financial Services
    Coverage
    All India
    Launched
    2016

    What it is worth

    • ₹10 lakh – ₹1 croreINR (composite loan: term loan + working capital)

      Headline benefit: a composite bank loan between Rs.10 lakh and Rs.1 crore. Loans below Rs.10 lakh are served by banks' existing schemes / MUDRA, not Stand-Up India.

    • 85%% of project cost

      Composite loan covers up to 85% of project cost (raised from 75% in the 2021-22 revision). The 85% stipulation does not apply if the borrower's contribution plus convergence support from other schemes exceeds 15% of project cost.

    • 10%% of project cost (minimum own contribution)

      Margin money is up to 15% of project cost and may be met in convergence with eligible Central/State schemes; in all cases the borrower must bring a minimum of 10% of project cost as own contribution (margin requirement cut from 'upto 25%' to 'upto 15%' in Budget 2021-22).

    • Non-cash facilitation accompanying the loan.

    How applying runs

    1. applicationApply online via the SIDBI-run Stand-Up India portal (www.standupmitra.in), directly at any Scheduled Commercial Bank branch, or through the Lead District Manager (LDM).
    2. appraisalThe bank branch appraises the project / business plan and the applicant's eligibility (SC/ST/woman status, greenfield nature, non-default).
    3. sanction disbursalBank sanctions the composite loan; working capital up to Rs.10 lakh is delivered as an overdraft (with RuPay card), above Rs.10 lakh as a cash-credit limit; loan may be backed by collateral or the CGFSIL credit guarantee at the bank's discretion.

    Worth knowing

    • Loan terms (not benefits): repayable in 7 years with a maximum moratorium of 18 months.
    • Interest rate (a term, not a subvention): the lowest applicable rate of the bank for that rating category, capped at base rate (MCLR) + 3% + tenor premium.
    • Security: besides primary security, the loan may be secured by collateral or by the Credit Guarantee Fund Scheme for Stand-Up India Loans (CGFSIL), as decided by the bank; credit-guarantee cover is optional, not compulsory.
    • Working-capital delivery: up to Rs.10 lakh as overdraft (RuPay debit card issued); above Rs.10 lakh as a cash-credit limit.
    • Branch-level mandate (context, not an applicant criterion): each Scheduled Commercial Bank branch is to finance at least one SC/ST borrower and at least one woman borrower.
    • Interlocking financing percentages (loan up to 85% / margin up to 15% / own contribution minimum 10%) are modelled as separate flat benefits; the benefit model has no native way to express their interdependence.
    • Status / sunset — Needs verification: the official DFS page states the scheme period was up to 31.03.2025 (aligned to the 15th Finance Commission). Budget 2025-26 announced a successor for SC/ST and women first-time entrepreneurs with term loans up to Rs.2 crore, and a revamped Stand-Up India (loan limit doubled to Rs.2 crore) was reported for relaunch; as of early 2026 the EFC note was under preparation. This JSON models the established Rs.10L-1cr composite-loan scheme as presented on the live standupmitra.in portal — confirm the current limit and end date before relying on it.

    Sources

    Every figure and condition above is traceable to a government document. Scheme terms change — if this page and the source disagree, the source is right, and we want to know.

    • Objective, eligibility (SC/ST and/or woman 18+, greenfield only, non-individual 51% shareholding & controlling stake, not in default), composite loan Rs.10L-1cr, 85% project-cost coverage, 15% margin / 10% minimum own contribution, interest cap MCLR+3%+tenor premium, 7-year repayment / 18-month moratorium, working-capital overdraft+RuPay / cash-credit, CGFSIL security

      https://www.standupmitra.in/Home/SUISchemes · retrieved

    • Administered by Department of Financial Services, Ministry of Finance; SIDBI is the nodal implementation agency

      https://www.financialservices.gov.in/stand-india-scheme-supi · retrieved

    • 2021-22 revision: margin money cut from 'upto 25%' to 'upto 15%' and activities allied to agriculture included; scheme launched 05.04.2016 and extended up to 2025

      https://www.pib.gov.in/PressReleaseIframePage.aspx?PRID=1737320 · retrieved

    • Scheme period up to 31.03.2025 (15th Finance Commission); Budget 2025-26 successor scheme with term loans up to Rs.2 crore for 5 lakh first-time SC/ST and women entrepreneurs

      https://www.financialservices.gov.in/stand-india-scheme-supi · retrieved

    Last verified · More debt / term loan programmes

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