Stand-Up India — Loans for Women & SC/ST Entrepreneurs
By Ministry of Finance, Govt of India
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Quick Answer
₹10 lakh–₹1 crore greenfield loans for women and SC/ST entrepreneurs
- Funding amount
- ₹10L – ₹1Cr
- Funding type
- Debt
- Application deadline
- Closed
- Location
- Open to startups registered in India
Results & next round
Applications for this round closed on 31 March 2025. The organiser has not published a selection list that we can verify yet.
Selections for this programme are announced by Ministry of Finance, Govt of India. Official links are listed under Sources below.
We update this page when results are published, and when the next round opens.
About this loan
Composite bank loans from ₹10 lakh to ₹1 crore for greenfield enterprises in manufacturing, services or trading. At least one woman borrower and one SC/ST borrower per bank branch must be facilitated. Loan covers 75% of project cost; repayable in up to 7 years with an 18-month moratorium.
Eligibility
See if you're eligible
Full eligibility criteria — entity type, stage, sector, founder profile and registration requirements — plus your fit for this program. Sign up to view.
Grant providers
The Ministry of Finance is the apex ministry of the Government of India responsible for the country's economic and fiscal policy. Headquartered at North Block, New Delhi, it administers taxation, public expenditure, financial-sector regulation, capital markets and the Union…
Learn moreBenefits & Funding
- Amount
- ₹10L – ₹1Cr
- Fund type
- Debt
- Equity
- Equity-free
- Repayment
- Repayable
What You Get
Stand-Up India provides composite bank loans from ₹10 lakh to ₹1 crore to women and SC/ST entrepreneurs setting up greenfield enterprises in manufacturing, services, or trading. The loan covers up to 75% of the project cost, with the remaining 25% contributed by the promoter. Repayment is structured over up to 7 years with an 18-month moratorium, giving new businesses time to generate revenue before EMIs begin. No equity is taken. The scheme is backed by the government''s commitment to ensure at least one woman borrower and one SC/ST borrower is funded per bank branch, increasing access to formal credit for underrepresented entrepreneurs.
- Bootstrap friendly
- Yes
Application Process
- 1
Confirm you qualify — a woman
Confirm you qualify — a woman, or an SC/ST entrepreneur — and that this is a greenfield (first-time) project.
You - 2
- 3
- 4
- 5
- 6
How to apply
Four steps from draft to disbursement — one action each.
- 1
Draft your application
Answer the form inside the grant tracker — AI drafts each response using your past answers, so you're not starting from a blank page.
- 2
Submit on the official portal
Use the official application link and verify all details before final submission.
- 3
Follow up
Reach out 5–7 days after submitting to confirm receipt and ask about the review timeline.
Frequently Asked Questions
Who is eligible for a Stand-Up India loan?
Women entrepreneurs and SC/ST entrepreneurs above 18 years of age are eligible. The enterprise must be a greenfield project — meaning the borrower must be starting this business activity for the first time. At least one woman borrower and one SC/ST borrower must be facilitated per bank branch.
What is the loan amount range under Stand-Up India?
Composite bank loans range from ₹10 lakh to ₹1 crore. The loan covers up to 75% of the project cost; the remaining 25% must come from the promoter''s own contribution (margin).
What does 'greenfield project' mean in this context?
A greenfield project means the borrower is starting this particular business activity for the first time. If you already run a business in that sector or activity, you are not eligible under Stand-Up India for that same activity.
What is the repayment period for Stand-Up India loans?
Loans are repayable in up to 7 years with an 18-month moratorium (repayment holiday) from the date of first disbursement, giving you time to establish the business before EMIs begin.
Is collateral required for Stand-Up India loans?
Stand-Up India loans are covered under CGTMSE guarantee cover wherever possible, reducing the collateral burden. Check with your bank branch as requirements may vary.
How do I find the right bank branch to approach?
Visit standupmitra.in — the official portal — to find nearby Stand-Up India-enabled bank branches, apply online, and track your application. You can also directly approach any scheduled commercial bank branch.
