Stand-Up India Scheme 2026: SC/ST & Women Entrepreneurs Ke Liye ₹10 Lakh–₹1 Crore Loan
Stand-Up India Scheme Ministry of Finance ki ek powerful government scheme hai, jiska objective hai SC/ST aur Women Entrepreneurs ko business start karne ke liye bank loan provide karna. Is scheme ke under ₹10 Lakh se ₹1 Crore tak ka loan mil sakta hai manufacturing, services, trading aur agriculture allied activities ke liye.
📌 Stand-Up India Scheme Kya Hai?
Stand-Up India Scheme ka main goal hai har bank branch se kam se kam:
- 1 SC/ST Entrepreneur ko loan
- 1 Women Entrepreneur ko loan
Ye loan greenfield enterprise (naya business) start karne ke liye diya jata hai. Agar enterprise non-individual hai (company/partnership), to minimum 51% ownership SC/ST ya Woman Entrepreneur ke paas honi chahiye.
🎯 Stand-Up India Scheme Ke Benefits
- ₹10 Lakh se ₹1 Crore tak composite loan (Term Loan + Working Capital)
- Rupay Debit Card for business transactions
- SIDBI portal ke through hand-holding support
- Training, skill development & project report assistance
- Subsidy aur government support schemes ka access
✅ Eligibility Criteria
- Applicant SC / ST category ka ho ya Woman Entrepreneur ho
- Male applicant ke liye SC/ST hona mandatory
- Age minimum 18 years
- Applicant kisi bank ka defaulter nahi hona chahiye
- Business greenfield (naya) hona chahiye
🏭 Business Activities Jinke Liye Loan Milta Hai
- Manufacturing
- Trading
- Service sector
- Agriculture allied activities
Agriculture Allied Activities jaise:
- Dairy, Poultry, Fishery
- Beekeeping, Pisciculture
- Food & Agro Processing
- Agri-Clinic & Agri-Business Centers
📝 Application Process (Online & Offline)
🔹 Apply Online
Official Portal: 👉 https://www.standupmitra.in
- Business location details fill karein
- Category select karein (SC / ST / Woman)
- Business type aur loan amount enter karein
- Hand-holding support select karein (optional)
- Personal & enterprise details submit karein
🔹 Offline Apply
- Nearest bank branch
- Lead District Manager (LDM)
📄 Required Documents
- Identity Proof (Aadhaar, PAN, Passport, Voter ID)
- Address Proof
- Business Address Proof
- SC/ST/Woman category certificate
- Bank defaulter declaration
- Project Report
- Income Tax Returns
- MSME Registration (if available)
₹25 Lakh se upar loan ke liye extra documents required hote hain, jaise detailed project report aur past financials.
❓ Frequently Asked Questions (FAQs)
Loan amount kitna milta hai?
₹10 Lakh se ₹1 Crore tak ka composite loan.
Interest rate kya hota hai?
Bank ka lowest applicable rate (MCLR + 3% + tenor premium se zyada nahi).
Repayment period kitna hai?
Maximum 7 years, 18 months tak moratorium available.
Kaunse banks loan dete hain?
All Scheduled Commercial Banks.
Stand-Up India aur Start-Up India mein difference?
Stand-Up India SC/ST & Women ke liye greenfield business support karta hai, jabki Start-Up India innovation-based startups ke liye hai.
📥 Official Guidelines PDF
👉 Stand-Up India Scheme Guidelines PDF
🔚 Conclusion
Agar aap SC/ST ya Women Entrepreneur hain aur apna business start karna chahte hain, to Stand-Up India Scheme aapke liye ek golden opportunity hai. Sahi planning aur documents ke saath aap easily ₹1 Crore tak ka loan le sakte hain.
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