Stand-Up India Scheme ek flagship government initiative hai jo Scheduled Caste (SC), Scheduled Tribe (ST) aur Women Entrepreneurs ko business shuru karne ke liye bank loan provide karne par focus karta hai. Ye scheme Ministry of Finance ke under launch ki gayi thi, jiska main objective financial inclusion ko promote karna aur first-time entrepreneurs ko support dena hai.
Is scheme ke through ₹10 Lakh se ₹1 Crore tak ka loan diya jata hai taaki eligible applicants greenfield enterprise (naya business) shuru kar saken – chahe wo manufacturing, services, trading ya agriculture allied activities se related ho.
Is article me hum Stand-Up India Scheme ke benefits, eligibility, application process, documents, FAQs, aur Stand-Up India vs Startup India ka clear difference Hinglish me samjhenge.
Stand-Up India Scheme Kya Hai?
Stand-Up India ek government loan scheme hai jiska objective hai:
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Har bank branch se
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1 SC/ST entrepreneur ko loan
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1 Women entrepreneur ko loan
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Ye loan greenfield project ke liye hota hai, matlab applicant pehle se kisi business ka owner nahi hona chahiye usi line me.
👉 Agar business non-individual entity (Company / LLP / Partnership) ke naam par hai, to:
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Kam se kam 51% shareholding aur control SC/ST ya Woman entrepreneur ke paas hona chahiye
Stand-Up India Scheme ke Main Objectives
Stand-Up India ka goal sirf loan dena nahi hai, balki entrepreneurship ecosystem banana hai:
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SC/ST aur Women ko bank finance access dena
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First-time entrepreneurs ko hand-holding support provide karna
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Job creators banana, sirf job seekers nahi
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Grass-root level par economic empowerment badhana
Stand-Up India Scheme ke Benefits
Stand-Up India Scheme me kaafi attractive benefits milte hain:
✅ 1. Loan Amount
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₹10 Lakh se ₹100 Lakh (₹1 Crore) tak ka composite loan
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Isme Term Loan + Working Capital dono include hote hain
✅ 2. RuPay Debit Card
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Working capital ke liye RuPay Debit Card issue hota hai
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Daily business expenses ke liye convenient
✅ 3. Hand-Holding Support
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Scheme ke portal par SIDBI ke through:
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Training
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Skill development
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Mentorship
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Project Report preparation
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Application filling support
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Subsidy aur government schemes guidance
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✅ 4. Multiple Business Sectors Covered
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Manufacturing
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Services
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Trading
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Agriculture allied activities (jaise dairy, poultry, food processing)
Eligibility Criteria – Kaun Apply Kar Sakta Hai?
Stand-Up India Scheme ke liye eligibility clear aur simple hai:
✔️ Greenfield Enterprise
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Applicant ka business naya (greenfield) hona chahiye
✔️ Category Condition
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Agar applicant male hai → SC / ST category se hona compulsory
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Women applicants kisi bhi caste se ho sakti hain
✔️ Age Limit
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Applicant ki minimum age 18 years honi chahiye
✔️ Banking History
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Applicant kisi bank ya financial institution ka defaulter nahi hona chahiye
Stand-Up India Scheme – Application Process (Online)
Stand-Up India Scheme me apply karna kaafi easy hai. Aap online ya offline dono tarike se apply kar sakte hain.
Option 1: Nearest Bank Branch
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Aap apne nearest bank branch me directly approach kar sakte hain
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Bank locator: RBI website
Option 2: Lead District Manager (LDM)
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Apne district ke LDM Office ke through apply kar sakte hain
Option 3: Online Portal (Recommended)
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Official portal: standupmitra.in
Online Application – Step-by-Step Process
1️⃣ Stand-Up India portal par register karein
2️⃣ Business location details enter karein
3️⃣ Category select karein:
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SC
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ST
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Woman
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51% ya usse zyada stake confirmation
4️⃣ Business nature select karein:
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Manufacturing / Service / Trading / Agriculture Allied
5️⃣ Required loan amount aur business description bharein
6️⃣ Past business experience (agar koi ho) mention karein
7️⃣ Hand-holding support chahiye ya nahi – select karein
8️⃣ Personal & enterprise details bharein
9️⃣ Register / Submit button par click karein
👉 Registration ke baad, respective bank aapse contact karega aur loan process complete karega.
Documents Required for Stand-Up India Loan
Loan approval ke liye niche diye gaye documents chahiye hote hain:
📄 Personal Documents
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Identity Proof:
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Aadhaar / Voter ID / PAN / Passport / Driving License
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Address Proof:
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Electricity bill / Passport / Voter ID
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📄 Business Documents
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Business address proof
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Memorandum & Articles of Association / Partnership Deed
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SSI / MSME Registration (agar applicable ho)
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Rent agreement (agar premises rent par ho)
📄 Financial Documents
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Bank defaulter-free declaration
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Assets & liabilities statement
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Income Tax Returns
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Projected balance sheet (next 2 years ya loan tenure ke liye)
📄 SC/ST/Women Proof
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Caste certificate (SC/ST)
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ROC incorporation certificate (company case me)
₹25 Lakh Se Zyada Loan Ke Case Me Extra Documents
Agar loan amount ₹25 Lakh se zyada hai, to additional documents required hote hain:
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Unit profile & promoters details
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Last 3 years balance sheets (associate/group companies)
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Detailed project report:
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Machinery details
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Cost & suppliers
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Production & sales projection
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Profit & loss statement
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Manufacturing process details
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Raw material & buyers information
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Competitor analysis
Hand-Holding Support Kya Hota Hai?
Hand-holding support ka matlab hota hai business shuru hone se pehle aur baad tak proper guidance.
Isme include hota hai:
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Entrepreneurship training
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Skill development
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Business mentoring
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Project report banana
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Subsidy aur government scheme guidance
Ye support SIDBI network agencies ke through diya jata hai.
Stand-Up India Loan – Repayment & Interest Rate
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Interest rate: Bank-specific, generally MCLR based hoti hai
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Repayment period:
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Maximum 7 years (moratorium period ke saath)
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Repayment terms bank decide karta hai project viability ke basis par
Stand-Up India vs Startup India – Difference Samjhiye
Bahut log Stand-Up India aur Startup India ko same samajh lete hain, lekin dono alag schemes hain.
| Point | Stand-Up India | Startup India |
|---|---|---|
| Target Group | SC/ST & Women | Innovative Startups |
| Loan Facility | ₹10 Lakh – ₹1 Crore | Direct loan nahi |
| Focus | Bank Finance | Tax benefits, incubation |
| Ministry | Ministry of Finance | DPIIT |
| Nature | Greenfield enterprises | Innovation-based startups |
👉 Startup India ek policy initiative hai, jabki Stand-Up India direct loan scheme hai.
(Related scheme: Startup India)
Frequently Asked Questions (FAQs)
❓ Stand-Up India loan ka size kya hai?
₹10 Lakh se ₹1 Crore tak ka composite loan milta hai.
❓ Interest rate kitni hoti hai?
Interest rate bank ke MCLR par depend karti hai.
❓ Repayment kab tak karna hota hai?
Maximum 7 years tak repayment allowed hoti hai.
❓ Kaunse banks loan dete hain?
Scheduled Commercial Banks, Regional Rural Banks, NBFCs.
❓ Agriculture allied activities ka matlab kya hai?
Dairy, poultry, food processing, fisheries jaise activities.
Sources & References
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Stand-Up India Official Portal
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SIDBI Guidelines
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Ministry of Finance Notifications
Conclusion
Stand-Up India Scheme SC/ST aur Women entrepreneurs ke liye ek powerful opportunity hai jisse wo apna business dream reality me badal sakte hain. Agar aap first-time entrepreneur hain aur finance ki wajah se ruk gaye hain, to ye scheme aapke liye game-changer ho sakti hai.
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