Stand-Up India Loan: Eligibility, Margin Money and Apply

The Stand-Up India scheme is a central government credit initiative launched to facilitate bank loans between ten lakh rupees and one crore rupees to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch. Administered by the Department of Financial Services and SIDBI, it promotes entrepreneurship in greenfield ventures across manufacturing, services, trading, and agri-allied activities.

Last reviewed: 10 November 2026

Loan coverage and key features

Loan range: Composite loan (term loan and working capital) between ten lakh rupees and one crore rupees.
Target beneficiaries: SC, ST, and women entrepreneurs establishing their first commercial enterprise.
Eligible sectors: Manufacturing, services, trading sectors, and non-farm agri-allied activities (such as poultry, dairy, fisheries, agro-processing).
Repayment tenure: Repayable in up to seven years with a maximum moratorium period of 18 months.

Greenfield enterprise and shareholding condition

The enterprise must be a greenfield project, defined as the first-time venture of the beneficiary in that sector. In the case of non-individual enterprises, at least 51% of the shareholding and controlling stake must be held by an SC, ST, or woman entrepreneur.

Margin money and handholding support

Borrowers are required to bring in a minimum margin of up to 15%, which can be converged with eligible central or state subsidy schemes. The Standup Mitra portal (standupmitra.in) offers handholding support, guidance from financial institutions, and online application tracking.

Official source

Check the latest rules, benefits and forms here. KisanPe is an independent platform and is not a government website.

Stand-Up India Portal (SIDBI / DFS) ↗

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Common questions

What is the loan amount provided under Stand-Up India?

Bank loans under the scheme range from ten lakh rupees up to one crore rupees for eligible greenfield ventures.

Who is eligible for Stand-Up India loans?

SC, ST, and women entrepreneurs aged 18 and above setting up new ventures in manufacturing, services, trading, or agri-allied activities.

Can agricultural enterprises receive Stand-Up India loans?

While core farming land purchase is excluded, non-farm agri-allied activities like dairy processing, cold chains, and agro-processing are fully eligible.

General guidance, not personal advice. For your farm, ask your local Krishi Vigyan Kendra or agriculture officer.

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