Stand-up India: If you want to start your own business, the government will give a loan of up to Rs 1 crore.

By Samira Vishwas On Jan 14, 2026

India In Government enterprise And self employment To promote to give Of For Enough effort Tax doing Is. There is a plan along these lines stand-up India scheme which SC, ST and woman entrepreneurs Has been started for. However, there are many other schemes in which SC, ST And women are given special exemption, but stand-up A huge amount of loan is given under India.

Although, stand-up India actually subsidy There is no based plan. This plan assumes that only subsidy Businesses don’t run by giving, but rather by reliable and sustainable access to capital. under this consideration stand-up In India, instead of giving direct rebate in interest, the government credit Guarantee, easy terms and Institutional Chose the way to help. This scheme was launched on 5 April 2016 and its objective is to generate employment and not just provide loans.

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objective of the plan

SC/ST And women To Entrepreneur Make
banking system easy access to
job from sikar job creator Make
manufacturing, Service And Trade Sector In New business To promote Give

Who Application Tax Can Is?

applicant SC/ST Social class From yes Woman yes
Age 18 year come on from him More yes
First Times enterprise yes
project Greenfield Happen Needed i.e That Business First From No Ambulatory remained Happen Needed
If partnership/private Ltd. company Is, So–
Less From Less 51% equity SC/ST come on Woman of yes

Loan Amount How many Is?

minimum Loan: ₹10 million
maximum Loan: ₹1 Ten million

Loan Of Use Where will be?

machinery And equipment
Shop/workshop of set-up Cost
working capital
technology And software
vehicles etc. (if business From connected yes)

which ones business Involved?

manufacturing unit related to
of service sector business (IT, transport, repair, Health, education Etcetera)
trading / retail / Wholesale

guarantee and security

usually collateral Free Plan which is CGTMSE under Covered Is
Reflate, persons if you want to do collateral can give
In many cases, loan is possible even without guarantee

necessary documents

Aadhar card
Caste Certificate (SC/ST For)
Passport size Photo
business Plan/DPR
project cost and funding brake up
GST/UDYAM (if applicable)

Application Process (Step-by-Step)

standupmitra.in portal go to
Online form fill in
business idea and enter cost
from the nearest bank Connect will be done
bank DPR loan after checking process will be done

What is the reality?

weak or copy-paste business Plan
Self of capital (Margin Money) Absolutely hee No Happen
CIBIL Score Very Bad Happen
business Experience Of lack of
Cost And earnings Of estimate unreal be
business Plan local Market But based keep
10–25% Self of margin money Deposit to do Of For bank From say
Small But practical project keep
First UDYAM And GST registration Tax take
bank manager From direct hold a meeting

What do the figures say?

in indiastand-up A total of 2,35,463 loans have been approved under the India Scheme from April 2016 to June 2024. the scheme SC/ST and women Greenfield enterprises i.e. those being started for the first time enterprises Provides loans ranging from Rs 10 lakh to Rs 1 crore.

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By June 2024 SC 40,002 loans in category (including women), ST category (including women) and 13,424 loans General women In 1,82,037 Loan Accepted happened। Total Amount of talk do So march 2025 till About 62,807 Ten million Rs. doing, in which women To 43,984 Ten million, SC To 9,747 Ten million And ST To 3,244 Ten million Rs. Of Loan gave Went।