Stand-Up India Loan for Women Entrepreneurs
Important 2026 note: The latest official public updates I could verify state Stand-Up India was extended up to the year 2025. If you’re applying in 2026, first check the current status on the official portal / your bank / DFS updates before proceeding
Table of contents
1) What is Stand-Up India (and who it’s best for)
Stand-Up India is designed to help women entrepreneurs (and SC/ST entrepreneurs) set up a greenfield enterprise by enabling bank loans from ₹10 lakh to ₹1 crore, typically as a composite loan (term loan + working capital).
Choose Stand-Up India when:
You need bigger funding than Mudra, and
You’re starting a new venture (greenfield) in manufacturing/services/trading/agri-allied, and
You can show a clear plan for setup + cashflow + repayments.
2) Key features in one glance
Loan size: ₹10 lakh to ₹1 crore
Purpose: greenfield enterprise in manufacturing/services/trading (including agri-allied activities)
Repayment: up to 7 years with up to 18 months moratorium
Working capital: up to ₹10 lakh may be sanctioned as overdraft (with RuPay debit card mentioned on portal)
Margin money: up to 15% of project cost, with minimum mandatory margin 10% (bank-specific detail example)
Apply via: bank branch, StandUpMitra portal, or Lead District Manager (LDM)
3) Eligibility for women entrepreneurs (greenfield + 51% rule)
You’re generally eligible if:
You are a woman entrepreneur starting a greenfield (first-time) enterprise.
If it’s a non-individual entity (company/LLP/partnership), at least 51% shareholding and controlling stake must be held by a woman (or SC/ST) entrepreneur.
The enterprise can be in manufacturing, services, trading, or agri-allied activities.
4) Loan amount, margin money, repayment & working capital rules
Loan amount (composite)
Banks provide a composite loan (term + working capital) from above ₹10 lakh up to ₹1 crore.
Margin money (your contribution)
A common structure banks follow under the scheme is:
Margin money up to 15% of project cost
Minimum mandatory margin 10% (even if you’re eligible for some other subsidy)
Repayment + moratorium
Repayment is typically up to 7 years with a moratorium up to 18 months.
Working capital
For working capital up to ₹10 lakh, it may be provided via overdraft, and the portal mentions issuing a RuPay debit card for convenience.
5) Security/collateral and credit guarantee options
StandUpMitra notes the loan may be secured by collateral security or a guarantee under the Credit Guarantee Fund Scheme for Stand-Up India Loans (CGFSIL), as decided by banks.
Practical meaning:
Some branches may ask for collateral depending on risk, cashflows, and profile.
In many cases, the bank can use a guarantee cover route (with applicable fees), so don’t assume “collateral is mandatory everywhere.”
6) Step-by-step: how to apply (portal + bank + LDM route)
Option A: Apply through StandUpMitra (recommended for structure + tracking)
Go to the official StandUpMitra portal and open the scheme section.
The portal approach includes a short question set (category, location, business nature, skills needed, own investment, etc.) to classify you and guide handholding.
Register and proceed as a “ready borrower” (if you don’t need support) or “trainee borrower” (if you need handholding).
Select a bank/branch and generate the application (the guidelines describe application generation/tracking through the portal).
Option B: Directly apply at a bank branch
You can apply directly at the branch as well (this is explicitly listed as an access route).
Option C: Apply via the Lead District Manager (LDM)
If you need coordination/handholding, the guidelines list LDM as a formal access path and monitoring point.
Handholding support (high-value feature many people miss)
The guidelines describe support via SIDBI/NABARD offices (Stand Up Connect Centres) and linkages for training, DPR prep, margin money support, etc.
7) Documents checklist (bank-ready)
Exact documents vary by bank, but you’ll usually need:
KYC: Aadhaar/PAN, address proof
Business constitution: proprietorship/partnership deed/LLP/company docs
51% control proof (if non-individual entity): shareholding/partner details
Project Report (DPR) + quotations (machinery/equipment/interiors)
Bank statements (6–12 months), existing loan details (if any)
Proof of premises: rent agreement/ownership + utility bill
Basic compliance: GST (if applicable), trade license (local body), Udyam (highly recommended for MSME workflows)
8) How to make a winning project report (DPR) for Stand-Up India
A Stand-Up India DPR that gets approved usually has:
Business summary (what you sell, to whom, why you win)
Market proof (local demand, competitors, your differentiator)
Capex plan (item-wise costs with quotations)
Working capital plan (inventory, salaries, rent, marketing)
Revenue assumptions (conservative, with monthly ramp-up)
Cashflow + EMI comfort (show DSCR / monthly buffer)
Promoter strength (experience, skills, training if needed)
Risk plan (seasonality, raw material price, fallback strategy)
Pro tip: don’t inflate costs—banks can tell when costs are padded.
9) Common rejection reasons (and fixes)
Not greenfield / unclear “new venture” → clarify how this is a new unit; separate from any existing business.
51% stake/control not clearly documented → fix ownership structure and paper trail.
Weak DPR / no realistic cashflow → rebuild with conservative numbers and clear use of funds.
Margin money not arranged → show own contribution (min 10% is commonly required).
Branch mismatch → approach branches with active MSME lending; use LDM route if stuck.
10) Stand-Up India vs Mudra vs PMEGP
Stand-Up India: best for ₹10L–₹1Cr greenfield setup, bigger capex + working capital.
Mudra: better for smaller ticket and faster micro funding (good for starting lean).
PMEGP: best when you want subsidy (margin money) and you can follow the PMEGP process/verification discipline.
11) FAQs
Is Stand-Up India only for women?
No—it’s for women and SC/ST entrepreneurs, with the objective that each bank branch supports at least one woman borrower and one SC/ST borrower for greenfield enterprise creation.
What is the loan tenure and moratorium?
The scheme information states repayable in 7 years with moratorium up to 18 months.
Can I apply online?
Yes, the scheme guidelines list applying via the StandUpMitra portal as one of the access methods (along with bank branch and LDM).
Do I need collateral?
Banks may secure the loan with collateral or via a CGFSIL guarantee route, depending on bank assessment.
For personalised help with Udyam registration and MSME loan paperwork (DPR + documents + bank-ready filing), contact Eudyamaadhar MSME Consultancy at 📞 +91 9241250551 or visit 🌐 www.eudyamaadhar.org.