SIDBI (Direct Financing)Term Loan (Capex / Expansion)Women-Led EnterprisesVerified: 2026-09-29

Stand-Up India Scheme - Women Greenfield Enterprises (Up to ₹1 Crore)

Primary Lending Institution:Small Industries Development Bank of India (SIDBI)

Greenfield enterprise credit from ₹10 Lakh to ₹1 Crore for women entrepreneurs across all bank branches.

Connected Central Government Scheme: Stand-Up India Scheme - Women Greenfield Enterprises (₹10 Lakh to ₹1 Crore)View Government Scheme Guidelines →

Interest Rate8.50% – 10.25% (MCLR/EBLR + spread not exceeding 3%)Linked to EBLR / MCLR / Risk

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

Repayment TenureUp to 7 years (with up to 18 months moratorium)With moratorium where applicable

Collateral SecurityCollateral-free option available through CGFSI guarantee coverage; primary hypothecation of project assets

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

Restricted strictly to brand-new (greenfield) enterprises. In non-individual enterprises, 51% of shareholding and controlling stake must be held by woman entrepreneur.

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 Stand-Up India Scheme - Women Greenfield Enterprises (Up to ₹1 Crore)?

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.

Key Benefits & Features

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%.

Government Subsidy & Credit Guarantee Coverage

Credit Guarantee Scheme for Stand-Up India (CGFSI); State margin money convergence

Enterprise Eligibility Criteria

Woman entrepreneur above 18 years of age setting up a greenfield project in manufacturing, services, agri-allied, or trading. Clean CIBIL track record.

Business VintageNew & Existing units eligible

Min. Annual TurnoverTurnover proportionate

Processing FeeConcessional processing fee (Max 0.25% + GST)

Prepayment TermsZero prepayment penalty on floating rate loans

How to Apply (3 Verified Paths)

💼Path 1: Current Account Portal

Apply online at standupmitra.in portal or approach any scheduled commercial bank branch.

🌐Path 2: Official FinTech / Govt Portal

🏢Path 3: SME Banking Center Walk-In

Visit nearest public or private bank branch (each branch has mandate to sanction 1 woman enterprise).

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

Visit Official Portal↗

Documents Required Checklist

Detailed Project Report, Udyam Registration, Identity/Address proof, Company incorporation deed showing 51% female ownership, Promoter contribution proof.

Frequently Asked Questions

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.