सिडबी प्रत्यक्ष वित्तपोषण (SIDBI Direct)मियादी ऋण (Term Loan)✓ Credit Guarantee Scheme for Stand-Up India (CGFSI); Margin money convergenceसत्यापित: 2026-09-29 (180-दिवसीय SLA)

स्टैंड-अप इंडिया योजना - एससी/एसटी हरित उद्यम ऋण (₹1 करोड़ तक)

ऋण प्रदाता बैंक / संस्था: Small Industries Development Bank of India (SIDBI)

Greenfield enterprise credit from ₹10 Lakh to ₹1 Crore for Scheduled Caste and Scheduled Tribe founders.

अधिकतम ऋण राशि₹10 Lakh to ₹1 Crore

ब्याज दर8.50% – 10.25%

पुनर्भुगतान अवधिUp to 7 years (with 18 months moratorium)

प्रोसेसिंग शुल्कConcessional processing fee

💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Statutory central credit program mandating every commercial bank branch in India to provide credit between ₹10 Lakh and ₹1 Crore to at least one Scheduled Caste or Scheduled Tribe borrower for setting up greenfield ventures.

प्रमुख लाभ एवं व्यावसायिक विशेषताएं

Up to ₹1 Crore capital for SC/ST founders; bank finances up to 85% of project cost; composite term loan and cash credit line; handholding support via Stand-Up Mitra.

📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)

व्यावसायिक पात्रता शर्तें

SC or ST entrepreneur above 18 years establishing first venture in manufacturing, services, trading, or agri-allied activities.

जमानत / कोलेटरल आवश्यकता (Collateral)

Collateral-free through CGFSI guarantee coverage or asset hypothecation

प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)

Zero prepayment penalty on floating rate loans

📂आवश्यक दस्तावेज (Required Documents)

Valid SC/ST Certificate, Detailed Project Report, PAN, Aadhaar, Proof of business premises, Quotations for machinery.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)

Only greenfield enterprises eligible. Beneficiary must hold valid SC/ST certificate issued by revenue authority. 51% controlling stake mandatory in partnerships.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

Apply online at standupmitra.in or approach local commercial bank branch.

2. नए उद्यमी (ऑनलाइन):

3. बैंक शाखा में जाकर:

Visit nearest bank branch with caste certificate and business plan.

आधिकारिक आवेदन पोर्टल पर जाएं आधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Is every bank branch required to sanction an SC/ST loan?

Yes, the scheme mandates that every scheduled commercial bank branch must sanction at least one SC or ST borrower and one woman borrower.

Can trading businesses apply under Stand-Up India?

Yes, agriculture-allied activities and commercial trading enterprises are fully eligible alongside manufacturing and services.

What handholding support is available?

Stand-Up Mitra connects borrowers with specialized handholding agencies for DPR preparation, financial literacy, and skill training.

What is the interest rate cap?

The interest rate cannot exceed the bank's base lending rate (MCLR/EBLR) + 3% + applicable tenor premium.