A Government of India scheme that helps SC/ST and women entrepreneurs start their first enterprise with a bank loan covering both machinery and working capital. SABloan prepares your project report and gets the loan sanctioned through a partner bank.
The Stand-Up India scheme, launched by the Government of India in 2016, asks every bank branch to fund SC/ST and women entrepreneurs setting up their first enterprise in manufacturing, services, trading or agriculture-allied activities. The bank gives a composite loan of ₹10 lakh to ₹1 crore — term loan plus working capital — repayable over up to 7 years with a moratorium of up to 18 months. The loan is backed by a government credit guarantee fund, and SIDBI's Stand-Up Mitra portal offers handholding support. In Rajasthan, it can be combined with state schemes such as the Dr. Ambedkar Dalit Adivasi Udyam Protsahan Yojana and the RIPS 2024 / MSME Policy 2024 interest subsidy to bring your own contribution and interest cost down.
| Feature | Details |
|---|---|
| Loan amount | ₹10 lakh to ₹1 crore (composite: term loan + working capital) |
| Bank finance | Up to 75% of the project cost |
| Your contribution | At least 10% of the project cost from your own funds; the rest of the margin can come from state subsidy schemes |
| Tenure | Up to 7 years |
| Moratorium | Up to 18 months |
| Interest rate | Lowest applicable rate of the bank for that category, capped at base rate (MCLR) + 3% + tenor premium |
| Security | Primary security on assets created; credit guarantee cover may replace collateral, as decided by the bank |
| Working capital | Up to ₹10 lakh as overdraft, with a RuPay debit card |
| Project cost | ₹60,00,000 |
| Stand-Up India loan (75%) | ₹45,00,000 |
| Her own funds (10%) | ₹6,00,000 |
| Balance margin from state scheme support (15%)* | ₹9,00,000 |
*Depends on eligibility and approval under schemes such as the Dr. Ambedkar Dalit Adivasi Udyam Protsahan Yojana (25% margin money). Shown for illustration only.
Enough for a proper manufacturing unit, service centre or trading business.
Moratorium of up to 18 months while your unit gets started.
Interest cannot exceed the bank's base rate + 3% + tenor premium.
One loan covers machinery and day-to-day funds, with a RuPay card.
Use Rajasthan margin money and interest subsidy schemes alongside it.
Dairy, poultry, fisheries, food processing and similar activities qualify.
Send everything on WhatsApp — we check the file before it goes to the bank.
We confirm eligibility and check which Rajasthan schemes you can combine with it.
We prepare a bankable project report with cost, funding plan and projections.
Your file goes to a partner bank, at the branch or online through the Stand-Up Mitra / JanSamarth portals.
The bank sanctions and disburses in stages as your unit is set up.
SC or ST entrepreneurs (men or women) and women entrepreneurs of any category, aged 18 or above, setting up their first enterprise. For a firm or company, at least 51% shareholding and control must be with an SC/ST or woman entrepreneur.
Between ₹10 lakh and ₹1 crore, covering both term loan and working capital, for up to 75% of the project cost. A revamped scheme with loans up to ₹2 crore has been announced; we confirm the terms in force when you apply.
Stand-Up India itself is a loan scheme with a capped interest rate and a credit guarantee, not a subsidy. In Rajasthan you can combine it with state schemes that give margin money or interest subsidy, such as the Dr. Ambedkar Dalit Adivasi Udyam Protsahan Yojana and RIPS 2024.
No. Stand-Up India is only for a greenfield project — the entrepreneur's first venture in that sector. Existing businesses can look at Mudra, RIPS 2024 or Vishwakarma Yuva Udyami Yojana.
Up to 7 years, with a moratorium of up to 18 months.
We confirm eligibility, plan how to combine it with Rajasthan schemes, prepare the project report and follow up with the bank until disbursement. SABloan is a Direct Selling Agent; loan sanction is at the bank's discretion.
SABloan is a brand of ABFin Advisory Private Limited, acting as a Direct Selling Agent (DSA) for its partner banks; it is not a lender. Loans are sanctioned at the sole discretion of the lender, and interest rates, security and tenure are set by the lender within scheme rules. Any state subsidy shown is approved and released by the respective government department. Details shown are a summary of published guidelines and may change — the official guidelines prevail.
Tell us your idea and project cost on WhatsApp — we'll plan your Stand-Up India loan with the right state support.
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