What is Stand Up India scheme?

Stand Up India is a Government of India scheme launched in 2016 to provide bank loans between ₹10 lakh and ₹1 crore to SC/ST and women entrepreneurs for setting up greenfield enterprises in manufacturing, services, or trading sectors.

Who is eligible for Stand Up India loan?

SC/ST and/or women entrepreneurs above 18 years of age are eligible. The enterprise should be a greenfield project (first-time venture). For non-individual enterprises, at least 51% shareholding must be held by SC/ST or woman entrepreneur.

What is the loan amount under Stand Up India?

The loan amount ranges from ₹10 lakh to ₹1 crore. This includes term loan and working capital as a composite loan.

What is the repayment period for Stand Up India loans?

The loan is repayable in 7 years with a moratorium period of up to 18 months. The interest rate is the lowest applicable rate of the bank for that category.

Stand Up India Loan Calculator

Calculate EMI for Stand Up India scheme loans for SC/ST and women entrepreneurs.

Stand Up India Loan EMI Calculator

Government scheme for SC/ST and women entrepreneurs - Loans from ₹10 Lakh to ₹1 Crore

Greenfield Enterprise Loans

Borrower Category

Eligible Loan: ₹10 Lakh - ₹1 Crore

Loan Details

Project Cost (₹) Total project cost (Min: ₹10 Lakh, Max: ₹1 Crore)

Loan Amount Required (₹) Up to 75% of project cost as bank loan

Interest Rate (% p.a.) Base rate + applicable spread (typically 9-12%)

Loan Tenure Maximum 7 years repayment period

Moratorium Period Interest-only period before EMI starts

Business Sector Type of greenfield enterprise

Margin Money

Own Contribution (%) Minimum 10% (can be from convergent schemes)

Subsidy/Grant Available (₹) From MUDRA, PMEGP, or state schemes

Stand Up India Loan Summary

Monthly EMI

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after moratorium

Total Interest

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over loan tenure

Total Payment

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principal + interest

Own Contribution

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margin money

Loan Structure Summary

Project Cost

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Bank Loan

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Moratorium Interest

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Effective Tenure

0 months

Payment Breakdown

Principal (0%)

Interest (0%)

Funding Pattern

Total Project Cost ₹0

Bank Loan (Stand Up India) ₹0

Own Contribution ₹0

Subsidy/Grant ₹0

                    Total Interest Payable
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                    Total Repayment
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Compare Tenure Options

Tenure	Monthly EMI	Total Interest	Total Payment

Repayment Schedule (Yearly Summary)

Year	Opening Balance	EMI Paid	Principal	Interest	Closing Balance

EMI Calculation Formula

EMI = P × r × (1+r)^n / [(1+r)^n - 1]

About Stand Up India Scheme

What is Stand Up India?

Stand Up India is a flagship scheme launched by the Government of India in 2016 to promote entrepreneurship among SC/ST and women. Each bank branch provides loans to at least one SC/ST borrower and one woman borrower for setting up greenfield enterprises.

Eligibility Criteria

SC/ST and/or women entrepreneurs
Age: 18 years and above
First-time entrepreneurs (greenfield project)
51% shareholding by SC/ST or woman
No existing default to banks/FIs

Loan Features

Amount: ₹10 Lakh to ₹1 Crore
Tenure: Up to 7 years
Moratorium: Up to 18 months
Margin: Up to 25% (convergent schemes)
Rate: Lowest applicable bank rate

How to Apply

Visit standupmitra.in portal
Register and create profile
Submit loan application online
Connect with nearest bank branch
Submit required documents