स्टैंड-अप इंडिया योजना - महिला 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 women entrepreneurs across all bank branches.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Statutory central credit initiative facilitating bank loans between ₹10 Lakh and ₹1 Crore to at least one Woman entrepreneur per bank branch for setting up a greenfield enterprise.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Up to ₹1 Crore credit for women-led greenfield manufacturing, service, agri-allied, or trading businesses; composite term loan and working capital; margin money reduced to 15%.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Woman entrepreneur above 18 years of age setting up a greenfield project in manufacturing, services, agri-allied, or trading. Clean CIBIL track record.
जमानत / कोलेटरल आवश्यकता (Collateral)
Collateral-free option available through CGFSI guarantee coverage; primary hypothecation of project assets
प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)
Zero prepayment penalty on floating rate loans
📂आवश्यक दस्तावेज (Required Documents)
Detailed Project Report, Udyam Registration, Identity/Address proof, Company incorporation deed showing 51% female ownership, Promoter contribution proof.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Restricted strictly to brand-new (greenfield) enterprises. In non-individual enterprises, 51% of shareholding and controlling stake must be held by woman entrepreneur.
🚀आवेदन के चरण (How to Apply)
Apply online at standupmitra.in portal or approach any scheduled commercial bank branch.
Register and submit business plan at standupmitra.in portal.
Visit nearest public or private bank branch (each branch has mandate to sanction 1 woman enterprise).
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is a greenfield enterprise under Stand-Up India?
A greenfield enterprise is defined as the first-time venture of the beneficiary in the manufacturing, services, agri-allied, or trading sector.
What is the promoter margin money requirement?
The borrower's own equity contribution can be as low as 15% of total project cost when converged with central/state subsidy schemes.
Is property collateral mandatory for loans up to ₹1 Crore?
No. The loan can be secured through the Credit Guarantee Fund for Stand-Up India (CGFSI) as decided by the financing bank.
What is the maximum moratorium period?
The scheme permits a moratorium of up to 18 months during the project implementation phase.