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Indian Finance 🇮🇳

Stand Up India Eligibility — Calculations & Slabs for FY 2026-27

Check whether you qualify for a Stand-Up India greenfield business loan of Rs 10 lakh to Rs 1 crore as an SC/ST or woman entrepreneur through a scheduled commercial bank.

Last verified: June 2026 | Source: standupmitra.in

1. Venture Profile

Frequently Asked Questions (FAQ)

What is the Stand-Up India Scheme?

What is the eligible loan range under Stand-Up India?

The scheme facilitates composite loans (inclusive of term loans and working capital) between ₹10 Lakh and ₹1 Crore. The loan is intended to cover up to 75% to 85% of the total project cost.

What is a 'Greenfield' enterprise under the scheme?

'Greenfield' refers to a brand new venture being set up by the applicant in manufacturing, services, trading, or allied agricultural sectors. The applicant must be a first-time entrepreneur in the sector, and existing active businesses are not eligible for financing under this scheme.

Is collateral required for Stand-Up India loans?

The scheme does not mandate physical collateral. Instead, loans can be secured through a credit guarantee cover from the Credit Guarantee Scheme for Stand-Up India (CGTMSE) or via personal guarantees, making it collateral-free for the entrepreneur.

Where can I verify the source data for this calculator?

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.

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About This Calculator

Target Audience: Salaried taxpayers, investors & retirees planning Indian tax & wealth growth

💡 What Does This Calculator Do?

This calculator checks your eligibility for the Stand Up India scheme, designed to promote entrepreneurship among women and SC/ST communities by funding greenfield projects between ₹10 Lakh and ₹1 Crore.

📋 How to Use It

  1. 1
    Applicant Category: Select your community (SC, ST, or Woman entrepreneur).
  2. 2
    Business Nature: Choose if the project is in Manufacturing, Services, Trading, or Allied Agriculture.
  3. 3
    Loan & Capital: Input the loan amount needed and the total project cost.
  4. 4
    Venture Status: Confirm if the business is a Greenfield (first-time) venture.

🧬 The Logic Explained Simply

  • The Concept: At least one SC/ST and one woman borrower per bank branch can receive these loans. The loan is a composite loan (term loan + working capital) covering 75% to 85% of the total project cost.
  • The Collateral: Backed by the Credit Guarantee Scheme for Stand Up India (CGTMSE), eliminating the need for physical collateral. The repayment period is 7 years with a moratorium of up to 18 months.

💡 Real-World Calculation Breakdown

A woman entrepreneur wants to start a manufacturing unit with a total project cost of ₹20,00,000.

  • Eligibility: Verified (Woman entrepreneur, Greenfield project).
  • Maximum Bank Loan (75%): Eligible for ₹15,00,000 bank funding.
  • Promoter Contribution (25%): The entrepreneur must bring in ₹5,00,000 as margin money (can be subsidized via state schemes).
  • Repayment: Repayable over 7 years (plus up to 18 months moratorium if needed).

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