Business, & agriculture finance

Stand-Up India

Stand-Up India composite loan above ₹10 lakh up to ₹1 crore for a new manufacturing, trading, services or allied-agriculture enterprise, with 10% minimum margin, up to 7-year repayment and CGSSI cover.

Loan amountAbove ₹10 lakh and up to ₹1 crore (₹100 lakh)PricingEBLR + 3.25%; page states 12.15% p.a. (8.90% + 3.25%) effective 15 February 2025 Target groupScheduled Caste, Scheduled Tribe or woman borrower

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✓ Manually checked 2 Sept 2026 · active

Offered byState Bank of India

India

Key facts

What the official sources publish

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PurposeSetting up a new greenfield enterprise in manufacturing, trading, services or activities allied to agriculture by an SC/ST or woman entrepreneurEffective 26 Mar 2025View source

The scheme facilitates loans above ₹10 lakh to ₹1 crore for setting up greenfield enterprises in trading, manufacturing, services and activities allied to agriculture.

Source: Stand-Up India — official product page
Page / section: Scheme Details / Purpose
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

Target groupScheduled Caste, Scheduled Tribe or woman borrowerEffective 26 Mar 2025View source

Target Group: Scheduled Caste or Scheduled Tribe borrower and woman borrower.

Source: Stand-Up India — official product page
Page / section: Scheme Details / Target Group
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

FacilityComposite loan inclusive of term loan and working capitalEffective 26 Mar 2025View source

Loan Quantum: Composite loan inclusive of term loan and working capital.

Source: Stand-Up India — official product page
Page / section: Loan Quantum
Accessed: 2 Sept 2026
Confidence: high

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Loan amountAbove ₹10 lakh and up to ₹1 crore (₹100 lakh)Effective 26 Mar 2025View source

Loan Quantum: composite loan above 10 lakh and up to 100 lakh.

Source: Stand-Up India — official product page
Page / section: Scheme Details / Loan Quantum
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

Margin moneyUp to 15% of project cost; minimum mandatory margin 10% even when eligible for state/central government subsidyEffective 26 Mar 2025View source

Margin money up to 15% of project cost; minimum mandatory margin 10% even if eligible for government subsidy assistance.

Source: Stand-Up India — official product page
Page / section: Margin
Accessed: 2 Sept 2026
Confidence: high

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PricingEBLR + 3.25%; page states 12.15% p.a. (8.90% + 3.25%) effective 15 February 2025Effective 26 Mar 2025View source

: +3.25% (8.90% + 3.25% = 12.15% with effect from 15.02.2025).

Source: Stand-Up India — official product page
Page / section
Accessed: 2 Sept 2026
Confidence: high

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Repayment period7 years with maximum 18-month moratoriumEffective 26 Mar 2025View source

The loan is repayable in 7 years with a maximum moratorium period of 18 months.

Source: Stand-Up India — official product page
Page / section: Repayment
Accessed: 2 Sept 2026
Confidence: high

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Processing fee0.20% of loan amount plus applicable GSTEffective 26 Mar 2025View source

Processing fees: loan amount 0.20% plus applicable .

Source: Stand-Up India — official product page
Page / section: Scheme — Processing Fee
Accessed: 2 Sept 2026
Confidence: high

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Other chargesNo other charge is proposed on the reviewed pageEffective 26 Mar 2025View source

The page states that no other charges are proposed.

Source: Stand-Up India — official product page
Page / section: Scheme — Processing Fee / Other Charges
Accessed: 2 Sept 2026
Confidence: high

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Credit guaranteeCGSSI cover; account-wise guarantee fee calculated through NCGTC and recovered from borrower account; maximum cover stated as 80%Effective 26 Mar 2025View source

validates account details and calculates account-wise guarantee fee; CGSSI maximum 80%.

Source: Stand-Up India — official product page
Page / section: Credit Guarantee
Accessed: 2 Sept 2026
Confidence: high

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EligibilitySC/ST or woman borrower setting up a greenfield enterprise; the scheme is intended to place at least one SC/ST and one woman borrower per bank branchEffective 26 Mar 2025View source

Target group and objective require SC/ST or woman borrower and a greenfield enterprise.

Source: Stand-Up India — official product page
Page / section: Target Group / Objective / Purpose
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

Required documentsSME documents for SME-segment sanctions; allied-agriculture activities require documents under the respective schemeEffective 26 Mar 2025View source

Documentation: documents for loans sanctioned under segment; allied agriculture follows respective scheme.

Source: Stand-Up India — official product page
Page / section: Documentation
Accessed: 2 Sept 2026
Confidence: high

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Turnover / vintageNot published as a turnover or business-vintage threshold on the complete Stand-Up India page; the published condition is that the enterprise must be a new greenfield project.Effective 26 Mar 2025View source

The complete page publishes the greenfield requirement and borrower categories but no turnover or minimum-vintage threshold.

Source: Stand-Up India — official product page
Page / section: Complete page review — Target Group / Purpose
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

CollateralNot published as a separate collateral-security requirement on the complete Stand-Up India page; it publishes CGSSI guarantee cover and the account-wise NCGTC guarantee fee instead.Effective 26 Mar 2025View source

The page publishes CGSSI guarantee cover and fee treatment but does not state a separate collateral or security requirement.

Source: Stand-Up India — official product page
Page / section: Complete page review — Credit Guarantee / Security
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

Geographic limitsIndiaView source

The manually reviewed product record states: “India”.

Source: Stand-Up India — official product page
Page / section: Published product metadata
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Composite term loan and working capital facility
₹10 lakh–₹1 crore for greenfield enterprises
Repayment up to 7 years including up to 18-month moratorium
CGSSI credit guarantee, stated maximum 80%

Eligibility

Target is an SC/ST or woman borrower. The scheme facilitates at least one SC/ST borrower and one woman borrower per bank branch. Purpose must be a new enterprise in manufacturing, trading, services or allied agriculture.

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

Documents the bank lists

documents for loans sanctioned under the segment; allied-agriculture activities follow documents required under the respective scheme.

Related official documents

Stand-Up India — official SBI product pageofficial-product-page · current · accessed 2 Sept 2026

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Loan repayment estimate

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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₹14,180fourteen thousand one hundred eighty rupees

Interest paid over the full loan₹9,03,175nine lakh three thousand one hundred seventy-five rupees

Everything you repay₹34,03,175thirty-four lakh three thousand one hundred seventy-five 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.

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Item

Target · Published termSC/ST or woman borrower; greenfield enterprise

This value is copied from Stand-Up India — published terms. Check the table notes before relying on it.

Source: Stand-Up India — official product page · Scheme Details and Terms Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 11 rows · 2 columnsStand-Up India — published termsTerms published on SBI's official scheme page.View tableHide table

Scroll sideways to view every column

Stand-Up India — published terms
Item	Published term
Target	SC/ST or woman borrower; greenfield enterprise
Purpose	New manufacturing, trading, services or allied-agriculture enterprise
Facility	Composite term loan and working capital
Amount	Above ₹10 lakh–₹1 crore
Margin	Up to 15%; minimum mandatory 10%
Repayment	7 years including up to 18-month moratorium
Pricing	+ 3.25%; page states 12.15% p.a. from 15 February 2025
Processing fee	0.20% +
Other charges	No other charge proposed
Guarantee	CGSSI, maximum 80%; account-wise fee
Documents	documents; allied agriculture follows respective scheme

Last updated on the page: 26 March 2025.

Stand-Up India — official product page · Scheme Details and Terms · accessed 2 Sept 2026Open official source ↗

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