Stand-Up India Scheme — Empowering SC/ST/Women Entrepreneurs
📌 Official source: current limit, dar, fee aur niyam scheme ka official portal ke official portal par dekhein — yeh samay-samay par badalte rehte hain. Yahan sirf process aur documents ki jaankari hai, koi number commit nahi.
Stand-Up India scheme SC/ST aur women entrepreneurs ko provider ke hisaab se alag rakam tak loan provide karta hai green-field enterprise setup ke liye through scheduled commercial banks.
Scheme Overview
Stand-Up India scheme Government of India ne April 2016 me launch ki thi. Iska main objective hai SC (Scheduled Caste), ST (Scheduled Tribe), aur Women entrepreneurs ko entrepreneurship ke liye empower karna. Scheme ke under, scheduled commercial banks (SCBs) loans dete hain aapki profile ke hisaab se rakam tak — specifically green-field projects ke liye (yani naya manufacturing, services, ya trading enterprise jo applicant pehli baar start kar raha hai).
Scheme Categories & Coverage
| Category | Limit/Coverage | Description |
|---|---|---|
| Target Beneficiaries | SC/ST/Women (at least lagu dar (niyam ke hisaab se) ownership) | Eligibility category |
| Loan Range | aapki profile ke hisaab se rakam | Composite loan |
| Project Type | Greenfield only | First-time enterprise |
| Sectors | Manufacturing, Services, Trading, Agri-allied | Wide coverage |
Note: Indicative figures from publicly available government sources. Subject to scheme revisions and lender's discretion.
Eligibility Criteria
- Applicant must be SC/ST OR Woman entrepreneur (age 18+)
- Should be first-time entrepreneur — greenfield project only
- For non-individual enterprises (partnership/company): lagu dar (niyam ke hisaab se) shareholding must be SC/ST/Women
- Borrower should not be in default with any bank/financial institution
- Enterprise should be in manufacturing, services, trading, or agri-allied sector
- Indian citizen with valid documentation
Required Documents
- Identity & address proof (Aadhaar, PAN, Passport)
- Caste certificate (for SC/ST applicants)
- Business plan with project report
- Quotations for plant & machinery
- Project location ownership / lease deed
- Educational/technical qualifications (if relevant)
- Bank statements (personal, 6 months)
- Stand-Up India application form (available at Stand-Up India portal portal)
Specific documentation requirements may vary by lender, region, and scheme version. Verify with implementing agency.
Application Process
- Stand-Up Mitra portal (Stand-Up India portal) pe register karo
- Eligibility self-assessment complete karo
- Handholding agency support le sakte ho (DIC, NSIC, etc.)
- Detailed business plan + project report prepare karo
- Authorized scheduled commercial bank me application submit karo (har SCB branch ek hi loan dono categories — 1 SC/ST + 1 woman — sanction karne ka target rakhti hai)
- Bank's credit appraisal + sanction + disbursement
Key Benefits
- Composite loan covering term loan + working capital
- Loan size: tay rakam (niyam ke hisaab se) minimum, tay rakam (niyam ke hisaab se) maximum
- Margin money: partner ke hisaab se alag % (rest by bank)
- Tenure: up to 7 years (with 18-month moratorium)
- Interest rate: typically MCLR + reasonable spread (lender-specific, bank's policy)
- Free handholding support through Stand-Up Mitra portal
🚀 General Guidance Needed?
ProWiderKart facilitator se jaankari le sakte ho, koi fee nahi — general information aur eligibility direction ke liye.
Frequently Asked Questions
Stand-Up India ke liye kaun eligible hai?
SC, ST, aur Women entrepreneurs eligible hain. For non-individual enterprises, lagu dar (niyam ke hisaab se) shareholding SC/ST/Women ke paas hona chahiye. First-time greenfield entrepreneurs only.
Stand-Up India me kitna loan mil sakta hai?
aapki profile ke hisaab se rakam tak composite loan. Yeh term loan + working capital dono cover karta hai.
Kya Stand-Up India loan ke liye collateral chahiye?
Loan typically secured by primary security (assets created) + CGTMSE guarantee coverage (where applicable). Specific requirements lender ki policy par depend karte hain.
Greenfield project ka kya matlab hai is scheme me?
Greenfield matlab applicant ka pehla manufacturing, services, ya trading enterprise. Already running businesses Stand-Up India ke under cover nahi hote.
Application kahan submit karein?
Stand-Up Mitra portal (Stand-Up India portal) pe register karke, ya seedhe scheduled commercial bank ki branch me apply kar sakte ho.
Repayment tenure kya hoti hai?
Tenure partner ke hisaab se with 18-month moratorium (initial period jab repayment nahi karna hota). Exact terms bank's policy par depend karte hain.
Related Government Schemes
Is Scheme Ka Daayra Kis Ke Liye Hai
Stand-Up India ka daayra khaas hai aur yahi uski sabse ahem baat hai. Ye scheme mahila udyamiyon aur SC ya ST shreni ke udyamiyon ke liye bani hai, aur usme bhi wo kaam jo naya shuru ho raha ho, matlab greenfield. Iska matlab hai ki agar aapka business pehle se chal raha hai to iska daayra aap par laagu nahi hota, aur uske liye doosri schemes hain. Meri seedhi salah: apply karne se pehle ye do baatein pakki kar lijiye. Ek, aap shreni ke daayre mein aate hain ya nahi. Do, aapka kaam naya hai ya purana. In do jawaabon se hi aadha faisla ho jaata hai aur waqt bachta hai.
Aavedan Se Pehle Kya Taiyar Rakhein
Char cheezein. Pehli, apni shreni ka pramaan patra, agar laagu ho. Doosri, project report, jisme aapke kaam ka poora khaka aur uska hisaab ho. Teesri, apne hisse ki poonji ka intezaam, kyunki isme bhi ek hissa aapka hota hai. Chauthi, jagah ka intezaam. Aap khud sochiye, project report banwana aasan hai par use samajhna zyada zaroori hai, kyunki sawaal usi par aate hain. ProWiderKart ek facilitator hai, ye ek sarkari scheme hai aur faisla sambandhit bank ka hota hai.
Yahan Log Sabse Zyada Chook Jaate Hain
- Shreni aur greenfield ki shart check kiye bina apply karna.
- Project report banwa lena par use khud na samajhna.
- Apne hisse ki poonji ka intezaam pehle se na karna.
- Shreni ka pramaan patra taiyar na rakhna.
- Jagah ka intezaam kiye bina aavedan shuru karna.