Public Sector Bank (PSU)Term Loan (Capex / Expansion)Women-Led Enterprises🛡️CGTMSE CoveredVerified: 2026-09-29

SBI Stand Up India Facility

Primary Lending Institution:State Bank of India (SBI)

₹10 Lakh to ₹1 Crore MSME credit at 8.50% – 10.00% with Up to 7 years tenure.

Interest Rate8.50% – 10.00%Linked to EBLR / MCLR / Risk

Loan Amount Quantum₹10 Lakh to ₹1 CroreBased on turnover & project cost

Repayment TenureUp to 7 yearsWith moratorium where applicable

Collateral SecurityStrictly for greenfield ventures with at least 51% female or SC/ST ownership.

What's Missing: Crucial Fine-Print & Exclusion Gaps

Strictly for greenfield ventures with at least 51% female or SC/ST ownership.

Note: Eligo publishes these regulatory and commercial exclusions directly from bank product guidelines and CGTMSE rules to protect MSME applicants from unexpected fee debits or loan rejection surprises.

What is SBI Stand Up India Facility?

Dedicated SBI facility implementing the national Stand-Up India mandate for women and SC/ST greenfield founders.

Key Benefits & Features

Sanctioned at every SBI commercial branch; lower margin money requirement (15%); CGFSI guarantee support.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

Women or SC/ST promoters setting up first enterprise.

Business VintageNew & Existing units eligible

Min. Annual TurnoverTurnover proportionate

Processing Fee0.25% + GST

Prepayment TermsZero prepayment penalty on floating rate loans as per regulatory norms

How to Apply (3 Verified Paths)

💼Path 1: Current Account Portal

Apply online via business net banking or approach loan account manager.

🌐Path 2: Official FinTech / Govt Portal

Apply online at https://sbi.co.in/web/business/sme/sme-loans/stand-up-india with digital KYC and financial statements.

🏢Path 3: SME Banking Center Walk-In

Visit nearest MSME branch of the institution with business registration and bank statements.

Eligo does not collect business loan applications or financial data. Apply directly on the verified official domain:

Visit Official Portal↗

Documents Required Checklist

Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.

Frequently Asked Questions

What is the maximum loan tenure and amount for SBI Stand Up India Facility?

Borrowers can avail ₹10 Lakh to ₹1 Crore with a repayment tenure of Up to 7 years.

What are the processing charges and collateral terms for SBI Stand Up India Facility?

The processing fee is 0.25% + GST. Collateral terms: Strictly for greenfield ventures with at least 51% female or SC/ST ownership.

What are the eligibility criteria for SBI Stand Up India Facility?

Women or SC/ST promoters setting up first enterprise. Minimum business vintage required is 0 year(s).

How can an applicant apply for SBI Stand Up India Facility?

Apply online at https://sbi.co.in/web/business/sme/sme-loans/stand-up-india or visit nearest branch with KYC, Udyam registration, and bank statements.