The Stand Up India Loan Scheme 2025 encourages entrepreneurship among women and people from Scheduled Castes (SC) and Scheduled Tribes (ST) in India. Launched on 15 August 2015 by Prime Minister Narendra Modi, this scheme helps beneficiaries become financially strong and supports job creation. If you belong to the eligible groups, this is a great way for you to contribute to India’s economic growth.
About Stand Up India Loan Scheme 2025
This scheme supports SC/ST and women entrepreneurs in starting new businesses by providing loans and other help. All branches of scheduled commercial banks participate through either their branches or the Stand Up India portal run by the Small Industries Development Bank of India (SIDBI).
The scheme provides bank loans between 6 lakh and 1 crore to eligible borrowers. Each bank branch makes sure at least one SC/ST borrower and one woman borrower get a loan to set up a Greenfield Enterprise, which can be in manufacturing, services, agriculture-related activities, or trading. For non-individual businesses, at least 51% of ownership and control must belong to SC/ST or women entrepreneurs.
Main Scheme Details
| Scheme Name | Stand Up India Loan Scheme |
| Launched By | Government of India |
| Beneficiaries | Indian Citizens (SC/ST and Women Entrepreneurs) |
| Objective | Financial support to start new enterprises |
| Official Website | https://www.standupmitra.in/ |
| Year | 2025 |
| Launch Date | 15 August 2015 |
| Application Mode | Online |
Main Objectives of Stand Up India Loan Scheme
The main goal is to support SC, ST, and women entrepreneurs by offering loans from 6 lakh to 1 crore to start new businesses. This helps create jobs and allows beneficiaries to become financially independent. About 2.5 lakh beneficiaries are expected to benefit through 1.25 lakh bank branches.
Stand Up India Portal Features
- Register and submit applications for beneficiaries.
- Access feedback and scheme information anytime.
- Available through bank branches, Common Service Centers, or from your home.
- Get information about support services like training, project report preparation, margin money, and more.
- Easily access loan application forms and track your application status.
Types of Borrowers
- Ready Borrower: You can apply directly if you don’t need extra guidance. After submitting your application, you will get an application number to track your status.
- Trainee Borrower: If you need help like training or mentoring, your application will be supported by NABARD and SIDBI. Once you’re ready, the loan application will be submitted.
Margin Money and Complaint Handling
- Borrowers provide 15% margin money towards the project.
- You must invest at least 10% of the project cost yourself.
- If state schemes give up to 20% subsidy, you still have to invest 10%.
- District-level credit committees organize support events and handle complaints.
- Contact details of grievance officers are available on the portal.
- An online complaint submission and tracking system will be available soon.
Roles of Stakeholders
Borrowers
- Pay your loan installments on time.
- Attend training if you’re a trainee borrower.
- Use the portal or bank branch for applications and information.
- Submit all needed documents and attend quarterly entrepreneurship events.
- Manage and grow your enterprise responsibly.
Bank Branches
- Process applications and loans within the set timeframes.
- Help applicants with portal access and handle complaints within 15 days.
- Inform applicants if their loan applications are rejected and explain why.
District Level Credit Committee (DLCC)
- Handle local complaints and solve workspace or public utility issues.
- Regularly review how the scheme is progressing.
Lead District Managers (LDMs)
- Monitor scheme progress and organize meetings with stakeholders.
- Make sure borrowers get support and coordinate with banks and other agencies.
NABARD and SIDBI
- Organize training and support events.
- Help monitor, coordinate, and train stakeholders.
- SIDBI manages the portal and assists in running the scheme.
Scheme Statistics
| Total Applications | 204,796 |
| Total Loan Amount ( 6 Crore) | 48,057.36 |
| Sanctioned Applications | 184,267 |
| Sanctioned Loan Amount ( 6 Crore) | 41,478.77 |
| Handholding Agencies | 24,613 |
| Handholding Requests | 3,294 |
| Lenders Onboarded | 82 |
| Bank Branches Connected | 137,243 |
Benefits and Features of the Scheme
- Loans between 6 lakh and 1 crore for SC/ST and women entrepreneurs.
- Supports new Greenfield enterprises in different sectors.
- Composite loan covers 85% of project cost including term loan and working capital.
- Interest rate is the bank’s lowest rate, not more than base rate (MCLR) plus 3% plus tenor premium.
- Loans can be secured with collateral or under the Credit Guarantee Fund Scheme.
- Loan tenure is up to 7 years with a maximum 18 months moratorium.
Eligibility Criteria
- You must be an Indian resident.
- You must be from SC/ST or be a woman entrepreneur.
- You should be over 18 years old.
- You must not be a defaulter on any bank loan.
- For non-individual businesses, at least 51% ownership and control must belong to SC/ST or women.
- Loans are only for new (Greenfield) projects.
Required Documents
- Aadhaar card
- Caste certificate
- Loan application form
- Residence proof
- Age proof
- Passport size photograph
- Mobile number
How to Apply for Stand Up India Loan Scheme
- Go to the official Stand Up India portal.
- Click on “Click here for handholding support or apply for loan.”
- Choose your category (SC/ST or woman entrepreneur).
- Enter your name, email address, and mobile number.
- Click “Generate OTP” and enter the received OTP.
- Register and then log in with your details.
- Select the Stand Up India Loan Scheme option.
- Fill out the application form and upload the required documents.
- Submit your application.
How to Login to the Portal
- Go to the official website.
- Click on Login and choose Applicant or Other User.
- Enter your username and password, then click Login.
Track Your Loan Application Status
- Visit the official website.
- Click on “Track Application Status.”
- Log in and enter your reference number.
- Click “Track” to see your application status.
View Details of Health Centres and LDMs Across India
- For health centres, select state, district, expertise, and agency on the portal, then search.
- For Lead District Managers (LDMs), select state, district, and agency, then search.
View Details About Connect Centres
- Select your state, district, and agency name on the portal and click Search to get details.
Contact Information
- Email: support[at]standupmitra[dot]in, help[at]standupmitra[dot]in
- Toll-Free National Helpline Number: 1800-180-1111
If you are eligible, don’t hesitate to apply and take advantage of this great opportunity to grow your business with government support.