Stand-Up India (SUPI)
Bank-financed composite loans for SC/ST and Women entrepreneurs to set up greenfield enterprises in manufacturing, services, or trading, with handholding via the Stand-Up Mitra portal and credit guarantee support under CGSSI.
What is Stand-Up India?
Stand-Up India facilitates a composite bank loan between ₹10 lakh and ₹1 crore to at least one SC/ST borrower and at least one Woman borrower per bank branch for a greenfield enterprise in manufacturing, services, or trading, with 51%+ ownership by the eligible category for non-individual entities.
Loans combine term and working capital and may be supported by the Credit Guarantee Scheme for Stand-Up India (CGSSI), while the Stand-Up Mitra portal provides handholding, convergence guidance for margin, and online application routing.
Focused
Secure
Fast
Trusted
Why choose our SUPI support?
Large Ticket Support
Access ₹10 lakh–₹1 crore composite funding designed for first-time SC/ST and Women founders building new enterprises
CGSSI Guarantee
Leverage the Credit Guarantee Scheme for Stand-Up India to cover eligible loans without third‑party guarantees as per bank policy
Favourable Terms
Interest capped at not more than MCLR + 3% + tenor premium with tenure up to 7 years and moratorium up to 18 months
Working Capital Access
Working capital up to ₹10 lakh via overdraft with a RuPay debit card; above ₹10 lakh through a cash credit limit
Convergence Benefits
Meet the overall 25% margin with eligible Central/State scheme convergence while bringing a minimum 10% own contribution
Portal Handholding
Use Stand-Up Mitra for readiness assessment, branch routing, and continuous handholding from application to sanction
Eligibility Criteria
Who Can Apply?
- SC/ST and/or Women entrepreneurs aged 18+
- Only greenfield projects (first-time enterprise in the chosen sector)
- For non‑individual entities, 51%+ shareholding and control by SC/ST or Woman
- Borrower should not be in default with any bank/FI
- Projects in manufacturing, services, or trading sectors
Conditions
- Composite loan expected to cover up to ~75% of project cost unless own + convergence exceeds 25%
- Minimum 10% borrower contribution; total margin typically 25% with scheme convergence
- Security: primary security plus collateral or CGSSI guarantee as per bank decision
- Interest cap: MCLR + 3% + tenor premium; tenure up to 7 years with moratorium up to 18 months
- WC up to ₹10 lakh via OD with RuPay card; above ₹10 lakh via cash credit
Simple Application Process
Register & Choose Branch
Register on Stand-Up Mitra or approach a bank branch/LDM; input category, business, and readiness for handholding
Evaluation & Handholding
Get viability checks, project plan support, and guidance on convergence and training requirements
Sanction & Guarantee
Bank appraises and sanctions composite loan; collateral or CGSSI guarantee arranged as per policy
Disbursement & Operations
Set up term assets and working capital; obtain RuPay card for OD where applicable and commence business
Register & Choose Branch
Register on Stand-Up Mitra or approach a bank branch/LDM; input category, business, and readiness for handholding
Evaluation & Handholding
Get viability checks, project plan support, and guidance on convergence and training requirements
Sanction & Guarantee
Bank appraises and sanctions composite loan; collateral or CGSSI guarantee arranged as per policy
Disbursement & Operations
Set up term assets and working capital; obtain RuPay card for OD where applicable and commence business
Required Documents
Document Checklist
Important: Banks may seek additional documents based on internal credit policy and convergence/guarantee requirements.
Frequently Asked Questions
Ready to apply under Stand-Up India?
Get eligibility mapping, bank/branch routing, CGSSI guarantee facilitation, and convergence guidance to improve sanction and timely disbursal.
₹500Cr+
Funded
20K+
Businesses
95%
Success Rate