Department of Financial Services
Stand-Up IndiaStand-Up India Scheme
Loans from ₹10 lakh to ₹1 crore for women and SC/ST entrepreneurs starting their first enterprise.
Women and SC/ST entrepreneurs setting up a new unit in manufacturing, services, trading or agri-allied activities.
What you get
- Composite loan — term loan + working capital
- Repayment up to 7 years with up to 18 months moratorium
- Can be combined with state subsidies and margin-money schemes
- Covered under credit guarantee — collateral can be reduced
Who can apply
- Women, or SC/ST entrepreneurs, above 18 years
- First-time (greenfield) enterprise
- In partnerships / companies, 51% stake held by an eligible entrepreneur
- No default with any bank
Step-by-step process
- 1Eligibility & idea review
- 2Project report
- 3Application via Stand-Up Mitra / bank
- 4Bank appraisal
- 5Sanction
- 6Disbursement
Documents needed
Calculate
Business Loan EMI Calculator
Monthly EMI, total interest and year-by-year repayment.
MSME loans usually range from 8.5% to 14% depending on bank and profile.
for 84 months
With PMEGP / PMFME subsidy, the subsidy amount is adjusted against this loan — your real repayment is lower.
Also consider
Schemes that work well with this one
Start a new manufacturing or service unit and get up to 35% of the project cost as a government subsidy.
- ₹50 L
- Max project · manufacturing
- ₹20 L
- Max project · service
- 5–10%
- Your own contribution
Collateral-free loans up to ₹20 lakh for shops, traders, small manufacturers and service businesses.
- ₹50 K
- Shishu
- ₹5 L
- Kishore
- ₹10–20 L
- Tarun / Tarun Plus
Get a bank loan without pledging your house or land — the government guarantees it for you.
- 75–90%
- Guarantee cover
- 0
- Property to mortgage
- MSE
- New & existing units
Scheme details are summarised from official guidelines and may change. Final eligibility, loan amount and subsidy are decided by the bank and the implementing agency.