Stand-Up India Scheme: ₹10 Lakh to ₹1 Crore Loans for Rural & Agri-Allied Units

Stand-Up India Scheme: Financing Greenfield Rural & Agri-Allied Enterprises

Access to large-ticket enterprise credit (above ₹10 Lakhs) has historically represented an insurmountable barrier for women, Scheduled Caste (SC), and Scheduled Tribe (ST) entrepreneurs due to stringent demands for urban real estate collateral.

Launched by the Prime Minister and administered by the Department of Financial Services (DFS), the Stand-Up India Scheme mandates that every single commercial bank branch in India must sanction at least two enterprise loans between ₹10 Lakhs and ₹1.0 Crore:

At least one loan to an SC or ST borrower.
At least one loan to a Woman borrower.

Critically, the scheme explicitly covers Greenfield Agri-Allied Activities, enabling rural entrepreneurs to build large-scale commercial dairy farms, cold chain logistics, automated grain mills, and modern agricultural implement factories.

1. Financial Terms & Loan Specifications

| Loan Parameter | Statutory Terms & Conditions | |---|---| | Loan Amount Range | Minimum ₹10,00,000 up to Maximum ₹1,00,00,000 (₹1 Crore) | | Eligible Sector | Manufacturing, Services, Trading, and Agri-Allied Enterprises | | Nature of Credit | Composite Loan (Combines Term Loan for machinery/civil shed + Working Capital limit) | | Interest Rate | Lowest applicable rate of the bank: Base Rate / MCLR + 3% + Tenor Premium (Typically 8.25% to 9.50% per annum) | | Repayment Tenure | 7 Years with an initial moratorium period of up to 18 months | | Margin Money | Up to 15% (can be converged with state/central subsidies like PMEGP/PMFME to reduce out-of-pocket investment to just 10%) |

2. Eligible Agri-Allied Enterprises Covered Under Stand-Up India

The scheme covers non-crop agricultural value addition and capital-intensive allied sectors:

Commercial Dairy Farms: High-tech automated milking parlors, bulk milk chillers (BMC), and silage production units with 50+ cows.
Commercial Poultry & Hatcheries: Climate-controlled environmentally controlled (EC) broiler and layer farms.
Cold Storage & Packhouses: Post-harvest cold rooms, grading lines, and multi-commodity ripening chambers.
Agricultural Machinery & Implements Manufacturing: Assembly of rotavators, power tillers, seed drills, and sprayers.
Agro-Processing & Milling: Large-scale flour mills, rice mills, solvent oil extraction, and spice pulverizing plants.
Pisciculture & Commercial Fish Processing: Cold storage and filleting units for inland and coastal aquaculture.

3. Step-by-Step Application Process via StandUpMitra

Borrowers are insulated from branch-level runarounds by applying directly through SIDBI's dedicated digital platform:

Step 1: Online Portal Registration

Visit the official portal standupmitra.in.
Choose your applicant status: Woman Entrepreneur OR SC/ST Entrepreneur.
Select category: "Greenfield Enterprise" (a brand-new business enterprise).

Step 2: Choose Your Handholding Support (Trained vs. Ready Borrower)

If your DPR is ready, select "Ready Borrower" to choose your target commercial bank branch.
If you need assistance preparing a financial model or loan proposal, select "Trainee Borrower" to receive free mentorship from SIDBI, NABARD, or District Industries Centre (DIC) officers.

Step 3: Application Review & Digital Tracking

The uploaded DPR, credit history, and machinery quotations are routed directly to the Lead District Manager (LDM) and branch manager.
By regulatory mandate, banks must communicate an official credit decision within 45 days.

Step 4: Disbursal & Credit Guarantee Cover

Loans are backed by the Credit Guarantee Fund for Stand-Up India (CGFSI) through NCGTC, minimizing secondary collateral demands.

4. Mandatory Eligibility Criteria

Borrower must be an SC, ST, or Woman individual above 18 years of age.
For non-individual enterprises (such as Private Limited Companies or LLPs), at least 51% of the shareholding and controlling stake must be held by an SC/ST or Woman promoter.
The venture must be a Greenfield Project (the first-time venture of the beneficiary in that manufacturing or services line).
Borrower must not be in default to any bank or financial institution (Clean CIBIL record > 680).

5. Official Contacts & Portals

National Portal: standupmitra.in
Administered By: Small Industries Development Bank of India (SIDBI) & Department of Financial Services (DFS)
National Toll-Free Helpline: 1800-180-1111 / 1800-11-0001

स्टैंड-अप इंडिया योजना: ₹10 लाख से ₹1 करोड़ तक बैंक लोन

महिला और अनुसूचित जाति/जनजाति (SC/ST) के उद्यमियों को बड़ा कारोबार स्थापित करने के लिए यह देश की सबसे प्रतिष्ठित लोन योजना है।

प्रमुख विशेषताएं:

लोन राशि: न्यूनतम ₹10 लाख से लेकर अधिकतम ₹1 करोड़ तक का कम्पोजिट लोन (मशीन, शेड और वर्किंग कैपिटल)।
कृषि संबद्ध क्षेत्र (Agri-Allied): यह लोन बड़े डेयरी फार्म, पोल्ट्री फार्म, कोल्ड स्टोरेज, दाल मिल, तेल मिल और कृषि उपकरण निर्माण इकाई के लिए मान्य है।
सस्ता ब्याज और 7 साल का समय: बैंक के सबसे न्यूनतम ब्याज दर पर लोन, 18 महीने की छूट (Moratorium) और 7 साल में आसान किस्तों में वापसी।
हर बैंक शाखा से 2 लोन अनिवार्य: भारत की हर कमर्शियल बैंक शाखा को कम से कम एक महिला और एक एससी/एसटी को यह लोन देना कानूनी रूप से अनिवार्य है।

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स्टँड-अप इंडिया योजना: १० लाख ते १ कोटी रुपयांचे कर्ज

महिला आणि अनुसूचित जाती/जमातीच्या (SC/ST) उद्योजकांना कृषी प्रक्रिया आणि शेतीपूरक क्षेत्रात मोठा उद्योग उभारण्यासाठी केंद्र सरकारची विशेष योजना.

योजनेचे ठळक मुद्दे:

१. कर्ज मर्यादा: ₹१० लाख ते कमाल ₹१ कोटी रुपयांपर्यंतचे मोठे प्रकल्प कर्ज. २. पात्र व्यवसाय: आधुनिक दुग्धव्यवसाय, पोल्ट्री फार्म, शीतगृह (Cold Storage), कृषी प्रक्रिया उद्योग आणि शेती अवजारे निर्मिती कारखाना. ३. सुलभ परतफेड: ७ वर्षांची परतफेड मुदत आणि १८ महिन्यांचा हप्ता मुदतवाढ कालावधी (Moratorium). ४. प्रत्येक बँक शाखेतून २ लाभार्थी: देशातील प्रत्येक राष्ट्रीयकृत बँक शाखेने किमान एका महिलेला आणि एका SC/ST उद्योजकाला हे कर्ज देणे बंधनकारक आहे.

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