Stand-Up India Scheme, SUPI

Purpose:

Under the legacy Stand-Up India framework, eligible women and SC/ST entrepreneurs could obtain a composite bank loan for setting up a new, or greenfield, enterprise. Eligible activities included manufacturing, services, trading and activities allied to agriculture. “Composite loan” means that the sanction could include both term-loan finance for fixed assets and working-capital assistance. The financing decision was made by the selected bank, while the Stand-Up Mitra portal provided application and handholding support.
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Key documents:

The exact checklist is determined by the selected bank. Common documents include the prescribed application form; Aadhaar, PAN and photographs; residential and business-address proof; SC/ST certificate, where eligibility is based on social category; proof that the applicant is a woman, where relevant; constitution documents of the enterprise; partnership deed, LLP agreement or incorporation documents; proof of at least 51% eligible ownership and control for non-individual enterprises; detailed project report; machinery, equipment and construction quotations; projected financial statements and cash flows; promoter-contribution evidence; bank statements; income-tax returns, where applicable; Udyam Registration; GST registration and statutory licenses, where applicable; land or premises documents; and details of existing borrowings. The bank may request additional technical, environmental or sector-specific approvals.

Relevant Government Reference / Government Resolution / Orders / Circulars

The Stand-Up India Scheme was launched by the Government of India on 5 April 2016 to promote entrepreneurship among women and members of Scheduled Castes and Scheduled Tribes. The scheme was designed to facilitate at least one loan to an SC/ST borrower and at least one loan to a woman borrower per Scheduled Commercial Bank branch for establishing a greenfield enterprise. The original scheme period ended on 31 March 2025. The Union Budget 2025-26 subsequently announced a proposed successor programme for five lakh first-time women, SC and ST entrepreneurs, with term loans up to ₹2 crore over five years. The Department of Financial Services reported that the expenditure-finance proposal for that successor programme was under preparation.

Online Facility Available

Legacy scheme status requires confirmation. The original Stand-Up India Scheme formally ran up to 31 March 2025. The Stand-Up Mitra portal remains accessible and continues to display the ₹10 lakh to ₹1 crore legacy framework, but the Department of Financial Services has separately referred to a proposed successor scheme. Therefore, portal availability should not be treated as proof that a new application will automatically be processed under the old terms.
Applicants should obtain written confirmation from the selected bank
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Applicable Fee

Applicable Fee Stand-Up India did not prescribe a single Government application fee for registration on the Stand-Up Mitra portal. However, the lending bank could charge processing, documentation, legal-search, valuation, insurance, mortgage, credit-information and other applicable charges according to its policy. Interest rates were determined by the financing bank under the scheme and regulatory framework. Applicants should obtain a written schedule of interest and fees from the bank before accepting the sanction.

Mode of Fee Payment

Any legitimate processing or documentation charge should be paid only to the selected bank through its authorized channel and against an official receipt or account debit. Applicants should not pay an intermediary who promises guaranteed sanction. If a handholding agency provides a separately chargeable professional service, the applicant should confirm whether the service is officially recognized, obtain a written quotation and retain the invoice and payment proof.

Decision Making Authority

Small Industries Development Bank of India, SIDBI; Department of Financial Services, Ministry of Finance, Government of India

Time Required for Decision

No single guaranteed sanction period applied to every bank and project. The timeline depended on the completeness of the application, category verification, project viability, promoter contribution, credit history, statutory approvals, bank appraisal and guarantee formalities. Registration on the Stand-Up Mitra or JanSamarth portal did not itself constitute loan sanction. The selected bank retained responsibility for appraisal, sanction and disbursement. Applicants should obtain an application reference number and periodically follow up with the branch or Lead District Manager.

Online Grievance Redressal Link

The applicant should first complain to the financing bank through its official grievance-redressal mechanism. For SIDBI or portal-related matters, SIDBI’s online grievance form is available at sidbi.in. SIDBI states that if no response is received within eight working days, or the response is unsatisfactory, the complaint may be escalated to Level I using the Complaint ID. A further escalation to the Chief Grievance Officer is available if it remains unresolved following Level I escalation. An eligible unresolved complaint against the financing bank may subsequently be submitted through RBI’s Complaint Management System, subject to the applicable RBI Ombudsman conditions.

Office Address

SIDBI Head Office: SIDBI Tower, 15, Ashok Marg, Lucknow – 226001, Uttar Pradesh. SIDBI Mumbai Office: Swavalamban Bhavan, Plot No. C-11, G-Block, Bandra Kurla Complex, Bandra East, Mumbai – 400051, Maharashtra. Applications were ordinarily handled by the selected Scheduled Commercial Bank branch rather than SIDBI’s head office

Contact Telephone Number

Stand-Up India national helpline: 022-67221526. [standupmitra.in] SIDBI general contacts: 0522-2288546, 0522-2288547, 0522-2288548, 0522-2288549 and 0522-4259700. The selected bank branch or Lead District Manager should be contacted for an individual loan application.

Official Contact Email ID

Stand-Up India portal support: standupindia@sidbi.in. Applicants should quote their portal registration number, bank branch, district, applicant category and mobile number when seeking assistance. [standupmitra.in] Application-specific issues should also be raised with the official grievance officer of the financing bank.

Beneficiary:

As mentioned above

Benefits:

The legacy scheme provided a composite loan of ₹10 lakh to ₹1 crore. The loan could cover up to 85% of the project cost, subject to the borrower bringing at least 10% of the project cost from their own resources and arranging the balance margin through convergence where applicable. Repayment could extend up to seven years, including a moratorium of up to 18 months. Eligible borrowers could also receive handholding support for training, project-report preparation, financial application, skill development and connection with relevant agencies. Credit-guarantee cover could be considered under the Credit Guarantee Fund Scheme for Stand-Up India Loans, subject to the lender and guarantee-scheme conditions.