IndiaBanks.org · independent research

Business, & agriculture finance

Finance to Start-ups ( UDAAN)

UDAAN supports -recognised start-ups with term loan, working capital and non-fund facilities up to ₹50 crore, 120-month door-to-door repayment and /CGSS coverage.

Loan amountMaximum ₹50 crore, split into up to ₹50 lakh and above ₹50 lakh to ₹50 crore bandsPricingRating/external or scheme-specific rating and SBI guidelines; EBR-linked for MSMEs (page states repo rate + 2.65%) and 6-month MCLR-linked for non-MSMEsTarget customersMSME start-ups registered/recognised by DPIIT with a sustainable business model, established proof of concept and recognised incubator, accelerator or investor support
Official product page ↗Compare category

Quick eligibility check

Finance to Start-ups ( UDAAN)

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Valid Udyam MSME registration?

Published source: Eligibility

2Do you meet this requirement: DPIIT recognition?

Published source: Eligibility

3Do you meet this requirement: public/private limited company, registered partnership or LLP?

Published source: Eligibility

4Does your age meet this requirement: up to 10 years old?

Published source: Eligibility

5Does your annual turnover meet this requirement: turnover ≤₹100 crore?

Published source: Eligibility

6Document checkDo you have this required document or proof: Valid Udyam registration, DPIIT recognition, equity tie-up and recognised incubator/accelerator/investor support are stated; no fixed document checklist is published?

Published source: Documents

7Document checkDo you have at least one of these required documents: MSME start-ups registered/recognised by DPIIT with a sustainable business model, established proof of concept and recognised incubator, accelerator or investor support?

Published source: Target customers

8Document checkDo you have this required document or proof: no fixed document checklist is published?

Published source: Documents

9Document checkDo you have at least one of these required documents: Start-up must be an MSME with valid Udyam registration, recognised by DPIIT, have a sustainable business model/proof of concept and support from a recognised incubator, accelerator or investor?

Published source: Documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 1 Sept 2026 · active
Offered byState Bank of India

India; selected start-up 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.

PurposeFinancial assistance for prototype creation, product/website/app development, team hiring, legal/consulting, raw materials/equipment, licences/certifications, marketing/sales and office space or administrationEffective 8 Feb 2024View source
The page lists prototype creation, product/website/app development, team hiring, legal and consulting services, raw material/equipment, licences, marketing/sales and office expenses.
Source
Finance to Start-ups ( UDAAN) — official product page
Page / section
Objective / Purpose
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Target customersMSME start-ups registered/recognised by DPIIT with a sustainable business model, established proof of concept and recognised incubator, accelerator or investor supportEffective 8 Feb 2024View source
Start-ups classified as and registered with/recognised by ; sustainable business model and established Proof of Concept; support of recognised Incubator/Accelerator/Investors.
Source
Finance to Start-ups ( UDAAN) — official product page
Page / section
Features — Target Group
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
FacilitiesTerm loan and working capital facilities, including fund-based, non-fund-based and CEL facilitiesEffective 8 Feb 2024View source
Facilities Available: Term Loan, Working Capital (fund based/non-fund based/CEL).
Source
Finance to Start-ups ( UDAAN) — official product page
Page / section
Features — Facilities Available
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Loan amountMaximum ₹50 crore, split into up to ₹50 lakh and above ₹50 lakh to ₹50 crore bandsEffective 8 Feb 2024View source
Maximum: Rs.50 Crores, categorised into up to Rs.50 lakhs and >50 lakhs–50 Crores.
Source
Finance to Start-ups ( UDAAN) — official product page
Page / section
Features — Quantum of Loan
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Turnover / vintageDPIIT criteria: start-up age up to 10 years from incorporation/registration and turnover not exceeding ₹100 crore in any financial year after incorporation/registrationEffective 8 Feb 2024View source
Age: Up to 10 years from incorporation/registration. Turnover: Not to exceed Rs.100 crores in any Financial Year after incorporation/registration.
Source
Finance to Start-ups ( UDAAN) — official product page
Page / section
Eligibility — characteristics
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
PricingRating/external or scheme-specific rating and SBI guidelines; EBR-linked for MSMEs (page states repo rate + 2.65%) and 6-month MCLR-linked for non-MSMEsEffective 8 Feb 2024View source
Interest rates based on borrower/external/scheme rating or bank guidelines; linked for (repo + 2.65%) and 6 months for non-.
Source
Finance to Start-ups ( UDAAN) — official product page
Page / section
Features — Pricing
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Borrower marginLoans up to ₹10 lakh: nil; above ₹10 lakh, term-loan margin follows specified debt-equity and working-capital margin is at least 25% on stocks and receivablesEffective 8 Feb 2024View source
Loans up to Rs.10 lakhs – NIL; above Rs.10 lakhs term loan as per debt-equity specified and working capital minimum 25% on stocks & receivables.
Source
Finance to Start-ups ( UDAAN) — official product page
Page / section
Features — Borrower's Margin / Contribution
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Repayment periodDoor-to-door repayment maximum 120 months including moratorium; bullet repayment may be allowedEffective 8 Feb 2024View source
Door-to-Door repayment shall be 120 months (Maximum) including moratorium period. Bullet repayment may be allowed.
Source
Finance to Start-ups ( UDAAN) — official product page
Page / section
Features — Repayment Period
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Processing / upfront feeAs per SBI's extant guidelines in the feature table; terms and conditions separately state processing charges nilEffective 8 Feb 2024View source
Features row says as per Bank's extant guidelines; Terms & Conditions state Processing charges: NIL.
Source
Finance to Start-ups ( UDAAN) — official product page
Page / section
Features — Processing Fee and Terms & Conditions
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Other chargesNo other charges published in the feature table; inspection, commitment and pre-payment charges are stated nil in the termsEffective 8 Feb 2024View source
Other Charges row states ; terms state inspection fees, commitment charges and pre-payment charges NIL.
Source
Finance to Start-ups ( UDAAN) — official product page
Page / section
Features — Other Charges and Terms & Conditions
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
SecurityPrimary hypothecation of financed assets and stocks/receivables, charge/lien on financed intellectual property and resulting products; loans up to ₹50 lakh and above bands covered by CGTMSE/CGSS, with at least 25% tangible collateral if cover unavailable; above ₹50 lakh also requires AIF investment; all promoters give personal guaranteesEffective 8 Feb 2024View source
Primary hypothecation of assets/stocks/receivables and IP rights; up to ₹50 lakh and above bands covered under /CGSS, otherwise minimum 25% tangible collateral; above ₹50 lakh investment compulsory; personal guarantee of all promoters.
Source
Finance to Start-ups ( UDAAN) — official product page
Page / section
Terms & Conditions — Primary and Collateral Security
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
EligibilityValid Udyam MSME registration; DPIIT recognition; public/private limited company, registered partnership or LLP; up to 10 years old; turnover ≤₹100 crore; innovation/scalable employment or wealth-creation focus; not formed by splitting/reconstructing an existing business; recognised incubator/accelerator/investor support; equity fully tied upEffective 8 Feb 2024View source
Eligibility states valid Udyam, constitution/age/turnover/innovation tests, no split/reconstruction, recognised support and fully tied-up equity.
Source
Finance to Start-ups ( UDAAN) — official product page
Page / section
Eligibility and Terms & Conditions
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndia; selected start-up branchesView source
The manually reviewed product record states: “India; selected start-up branches”.
Source
Finance to Start-ups ( UDAAN) — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
DocumentsValid Udyam registration, DPIIT recognition, equity tie-up and recognised incubator/accelerator/investor support are stated; no fixed document checklist is published.View source
The manually reviewed product record states: “Valid Udyam registration, recognition, equity tie-up and recognised incubator/accelerator/investor support are stated; no fixed document checklist is published.”.
Source
Finance to Start-ups ( UDAAN) — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Prototype, product/website/app, hiring, equipment, licences, marketing and office expenses
  • Up to ₹50 crore
  • 120-month maximum door-to-door repayment including moratorium
  • No processing, inspection, commitment or pre-payment charges published in terms

Eligibility

  • Start-up must be an with valid Udyam registration, recognised by , have a sustainable business model/proof of concept and support from a recognised incubator, accelerator or investor.
  • criteria include eligible company/partnership/ constitution, age up to 10 years, turnover not exceeding ₹100 crore in any financial year and an innovation/scalable-employment or wealth-creation focus.

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

Documents the bank lists

  • Valid Udyam registration, recognition, equity tie-up and recognised incubator/accelerator/investor support are stated; no fixed document checklist is published.

Related official documents

Finance to Start-ups (MSME UDAAN) — official SBI product pageofficial-product-page · current · accessed 1 Sept 2026
↗

Plan before applying

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.

One monthly payment₹13,431thirteen thousand four hundred thirty-one rupees
Interest paid over the full loan₹7,23,444seven lakh twenty-three thousand four hundred forty-four rupees
Everything you repay₹32,23,444thirty-two lakh twenty-three thousand four hundred forty-four 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.

Uses · Published termPrototype/product/app, hiring, legal, equipment, licences, marketing and office costs

This value is copied from Finance to Start-ups ( UDAAN) — published terms. Check the table notes before relying on it.

Source: Finance to Start-ups ( UDAAN) — official product page · Purpose, Features, Eligibility and Terms & Conditions Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 10 rows · 2 columnsFinance to Start-ups (MSME UDAAN) — published termsPublished SBI UDAAN start-up finance terms, including security bands.View tableHide table

Scroll sideways to view every column

Finance to Start-ups (MSME UDAAN) — published terms
ItemPublished term
UsesPrototype/product/app, hiring, legal, equipment, licences, marketing and office costs
Target-recognised start-up with proof of concept and recognised support
FacilitiesTerm loan, working capital, fund/non-fund/CEL
AmountUp to ₹50 crore; up to ₹50 lakh and above ₹50 lakh–₹50 crore bands
PricingRating/scheme based; (repo + 2.65%) for ; 6-month for non-
MarginUp to ₹10 lakh nil; above, product debt-equity and working capital ≥25% on stocks/receivables
Repayment120 months door-to-door including moratorium; bullet may be allowed
ProcessingTerms state nil; feature row refers to extant guidelines
Security/CGSS; ≥25% tangible collateral if unavailable; compulsory above ₹50 lakh; promoter guarantees
limitsAge ≤10 years; turnover ≤₹100 crore; qualifying constitution and innovation/scalability
  • Feature table's Other Charges row states ; terms separately state inspection, commitment and pre-payment charges nil. Financing is through selected branches. Last updated: 8 February 2024.
Finance to Start-ups ( UDAAN) — official product page · Purpose, Features, Eligibility and Terms & Conditions · accessed 1 Sept 2026Open official source ↗

More from State Bank of India

Related products

Asset Backed Agriculture Loan (ABAL)

Overdraft finance for short-term production and investment credit secured by SARFAESI-compliant immovable property.

View product

ABL (Saral)

asset-backed working-capital and business-purpose finance above ₹10 lakh up to ₹5 crore, with a 25% borrower margin, up to 180-month dropline overdraft and property security at 65% .

View product

Agri Clinic and Agri Business Centres Loan

Term finance for agri-clinics and agri-business centres, up to ₹20 lakh for an individual or ₹1 crore for a group of five trained people, with up to 10-year term.

View product

Agri & Food Enterprises Loan (AFEL)

Finance for agri commodity, food processing, agri-input manufacturing, exports and selected agri infrastructure or ancillary activities, up to ₹100 crore.

View product