Stand-Up India Scheme - MSME Loan / SME Loan Government Schemes | SBI - Business
Stand-Up India
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Scheme Details : The Stand-up India scheme was launched on 05th April 2016 and aims to promote entrepreneurship among the Scheduled Caste/ Scheduled Tribe and Women by facilitating bank loans of value above Rs.10 lakh to Rs.1 crore for setting up Greenfield Enterprises in trading, manufacturing, services sector and activities allied to agriculture.
Stand-Up India
- Implementing Ministry : Department of Financial Services (DFS), Ministry of Finance
- Portal : https://www.standupmitra.in/
- Target Group : Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and woman borrower
- Objective : Stand-Up India Scheme Facilitates bank loans between 10 lakh and 1 Crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one-woman borrower per bank branch for setting up a greenfield enterprise.
- Purpose : For setting up a new enterprise in manufacturing, trading, or services sector, allied activities by SC/ST/Women entrepreneur.
- Loan Quantum : Composite loan (inclusive of term loan and working capital) above 10 lakh and upto 100 lakh.
- Margin : Margin money would be up to 15% of project cost (Minimum mandatory margin is 10% of project cost even if applicant is eligible for any State/Central Govt. subsidy assistance).
- Repayment : The loan is repayable in 7 years with a maximum moratorium period of 18 months.
- ROI : EBLR+3.25% (8.90% + 3.25% = 12.15% with effect from 15.02.2025)
- Int Subvention : NIL
- Credit Guarantee : The account details updated on NCGTC portal are validated by NCGTC and account wise guarantee fee is calculated. The fee so calculated need to be recovered from respective loan account of the borrower. CGSSI – Max of 80%
- Documentation : SME documents for loans sanctioned under SME segment. In case of loan sanctioned to activities allied to agriculture, documents shall be obtained as per the respective scheme.
Last Updated On : Wednesday, 26-03-2025

Interest Rates
2.70% p.a.
less than Rs.10 Cr. w.e.f 15.10.22
3.00% p.a.
Rs.10 Cr. and above w.e.f 15.10.22
2.70% p.a.
Balance below Rs. 10 crs
3.00% p.a.
Balance Rs. 10 crores and above
SME Government Schemes
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Criteria
- Features
- Eligibility
- Terms and Conditions

Interest Rates
2.70% p.a.
less than Rs.10 Cr. w.e.f 15.10.22
3.00% p.a.
Rs.10 Cr. and above w.e.f 15.10.22
2.70% p.a.
Balance below Rs. 10 crs
3.00% p.a.
Balance Rs. 10 crores and above