Business, & agriculture finance

BOI Star Start Up Scheme

Fund-based or non-fund-based finance for eligible start-ups recognised under government policy, with ₹10 lakh minimum and assessment-based maximum.

Facility amountMinimum above ₹10 lakh; maximum as per assessment. Facilities up to ₹10 crore may be covered under CGSS.Interest rate1% concession in the applicable ROI, subject to the rate not falling below RBLR.Eligible customerDPIIT-recognised start-up incorporated as a private limited company, registered partnership or LLP, operating no more than 10 years with turnover not exceeding ₹100 crore in any financial year.

Official product page ↗Compare category

✓ Manually checked 30 Aug 2026 · active

Offered byBank of India

India; BOI branches

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Facility amountMinimum above ₹10 lakh; maximum as per assessment. Facilities up to ₹10 crore may be covered under CGSS.View source

The official quantum section states minimum above ₹10 lakh and assessment-based maximum; collateral section cites CGSS up to ₹10 crore.

Source: Star Start Up Scheme — BOI
Page / section: Quantum of loan / collateral
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Interest rate1% concession in the applicable ROI, subject to the rate not falling below RBLR.View source

The official page publishes the 1% concession and RBLR floor.

Source: Star Start Up Scheme — BOI
Page / section: Processing charges / rate concession
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Eligible customerDPIIT-recognised start-up incorporated as a private limited company, registered partnership or LLP, operating no more than 10 years with turnover not exceeding ₹100 crore in any financial year.View source

The eligibility section lists entity forms, 10-year and ₹100-crore limits and recognition.

Source: Star Start Up Scheme — BOI
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Security / collateralPrimary charge over assets created from finance; facility up to ₹10 crore may use CGSS, partial CGSS plus collateral, or collateral with coverage ratio at least 0.60. Promoter/director/partner personal guarantee may be obtained.View source

The official security section lists primary charge, CGSS routes and guarantee terms.

Source: Star Start Up Scheme — BOI
Page / section: Security and collateral
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Processing feeProcessing charges waived.View source

The official page states processing charges are waived.

Source: Star Start Up Scheme — BOI
Page / section: Processing charges
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

TenureMaximum door-to-door repayment is 120 months including a moratorium of up to 24 months; working capital is repayable on demand.View source

The official repayment section publishes 120 months and up to 24 months moratorium.

Source: Star Start Up Scheme — BOI
Page / section: Repayment
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Geographic limitsIndia; BOI branchesView source

The manually reviewed product record states: “India; BOI branches”.

Source: BOI Star Start Up Scheme — official product page
Page / section: Published product metadata
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Turnover / vintageDPIIT-recognised entity incorporated as a private limited company, registered partnership or LLP; operations up to 10 years and turnover not above ₹100 crore in any financial year.View source

The manually reviewed product record states: “-recognised entity incorporated as a private limited company, registered partnership or ; operations up to 10 years and turnover not above ₹100 crore in any financial year.”.

Source: BOI Star Start Up Scheme — official product page
Page / section: Published product metadata
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

DocumentsDPIIT recognition, incorporation/registration, financials and KYC/security documents requested by BOIView source

The manually reviewed product record states: “ recognition, incorporation/registration, financials and /security documents requested by BOI”.

Source: BOI Star Start Up Scheme — official product page
Page / section: Published product metadata
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Fund-based/non-fund-based or composite facility
Up to ₹10 crore may be covered under CGSS
1% concession in applicable subject to minimum RBLR
Processing charges waived

Eligibility

-recognised entity incorporated as a private limited company, registered partnership or ; operations up to 10 years and turnover not above ₹100 crore in any financial year.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

recognition, incorporation/registration, financials and /security documents requested by BOI

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

ProductChoose column

Star Start Up Scheme · Target customer start-up; up to 10 years and ₹100 crore turnover

This value is copied from BOI finance — published terms. Check the table notes before relying on it.

Source: BOI finance product pages · Quantum, eligibility, security and repayment Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 4 rows · 5 columnsBOI MSME finance — published termsQuantum, eligibility, security and repayment terms transcribed from official BOI product pages.View tableHide table

Scroll sideways to view every column

BOI MSME finance — published terms
Product	Target customer	Amount	Security	Repayment / rate
Star Start Up Scheme	start-up; up to 10 years and ₹100 crore turnover	Above ₹10 lakh; maximum assessed; CGSS up to ₹10 crore	Primary asset charge; CGSS/collateral routes; promoter guarantee	Up to 120 months incl. 24-month moratorium; 1% concession; processing waived
	Micro enterprises and listed entity types	Up to ₹10 lakh	Nil collateral; primary asset and personal guarantee	36-month demand or 84-month term; rate/charges per BOI guidelines
Star Asset Backed Loan	Existing compliant , 3 years operation	₹10 lakh–₹20 crore	60% residential / 50% other property	Up to 15 years; rate applicable
Star Education Plus	Approved schools, colleges and universities	₹10 lakh–₹5 crore	Mortgage/hypothecation; 1.50 asset cover	Up to 8 years incl. 12–18-month moratorium; charges applicable

BOI finance product pages · Quantum, eligibility, security and repayment · accessed 30 Aug 2026Open official source ↗

BOI Star Start Up Scheme

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

Related products

BOI Pradhan Mantri Mudra Yojana

BOI Star Asset Backed Loan

BOI Star Channel Credit — Dealer

BOI Star Channel Credit — Supplier