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Stand-Up India Scheme

स्टैंड-अप इंडिया योजना

Stand-Up India — SC/ST aur mahila udyamiyon ko nayi (greenfield) unit ke liye ₹10 lakh se ₹1 crore tak ka composite bank loan — seedhi subsidy nahi hai

Seedha jawaab: SC/ST aur mahila udyamiyon ko nayi (greenfield) unit ke liye ₹10 lakh se ₹1 crore tak ka composite bank loan — seedhi subsidy nahi hai.

Vibhag: Vittiya Seva Vibhag (DFS), Vitt Mantralaya, Bharat Sarkar · Official portal: www.standupmitra.in · Jankari antim baar verify: 2026-10-20

Yojana ke baare me

Stand-Up India SC/ST aur mahila udyamiyon ko pehli baar ka vyavasay (greenfield enterprise) shuru karne ke liye bank loan dilane ki yojana hai. Isme har bank shakha se kam se kam ek SC/ST aur ek mahila udyami ko ₹10 lakh se ₹1 crore tak ka composite loan (term loan + working capital) milne ka lakshya hai. Saaf baat — PMEGP ki tarah isme seedhi margin money subsidy nahi hai; ye ek loan yojana hai. Margin money (adhiktam 15%) ke liye doosri patr kendra/rajya yojanaon se convergence ki suvidha hai, lekin kam se kam 10% apna yogdaan aapko khud lana hoga. Dhyan dein: Vittiya Seva Vibhag (DFS) ke page ke anusaar is yojana ka karyakaal 15th Finance Commission ke saath 31 March 2025 tak darj tha, aur Budget 2025-26 me pehli baar ke SC/ST/mahila udyamiyon ke liye ₹2 crore tak ke term loan ki nayi yojana ghoshit hui hai — isliye aavedan se pehle apni bank shakha se vartaman sthiti aur taaza disha-nirdesh zaroor confirm kar lein.

Kaun patr hai ✓

  • SC/ST aur/ya mahila udyami, jinki umar 18 saal se zyada ho (mahila kisi bhi varg ki ho sakti hai; purush aavedak ke liye SC/ST hona zaroori hai)
  • Loan sirf greenfield project ke liye — arthath labharthi ka pehla udyam, manufacturing, services, trading sector ya krishi se sambaddh gatividhiyon (allied activities) me
  • Non-individual enterprise (company/partnership firm aadi) ke mamle me kam se kam 51% shareholding aur controlling stake SC/ST aur/ya mahila udyami ke paas hona chahiye
  • Aavedak kisi bhi bank ya vittiya sanstha ka defaulter nahi hona chahiye

Kaun patr NAHI hai ✗

  • General category ke purush udyami is yojana ke dayre me nahi aate — patrata sirf SC/ST aur/ya mahila udyamiyon tak seemit hai
  • Pehle se chal raha vyavasay (existing business) ya uska vistar patr nahi hai — loan sirf pehle, naye (greenfield) udyam ke liye hai
  • Jo aavedak kisi bank/vittiya sanstha ke loan me defaulter hai, use is yojana me loan nahi milega

Patrata ke niyam samay-samay par badal sakte hain. Awedan se pehle apni sthiti official portal par confirm zaroor karein.

Kaunse documents chahiye

Apply kaise karein — step by step

  1. Patrata aur project taiyaar kareinPehle sunishchit karein ki aap SC/ST aur/ya mahila udyami hain, umar 18+ hai aur project bilkul naya (greenfield) hai. ₹10 lakh se ₹1 crore ke beech ki lagat wali vistar project report (DPR) taiyaar rakhein.
  2. Teen tareekon me se ek chuneinAavedan teen jagah se ho sakta hai — (1) seedha kisi bhi Scheduled Commercial Bank ki shakha me, (2) Stand-Up India portal standupmitra.in se online, ya (3) apne jile ke Lead District Manager (LDM) ke madhyam se. Portal ke alawa JanSamarth portal se bhi aavedan ki suvidha DFS ne darj ki hai.
  3. Portal par panjikaran aur handholding (yadi chahiye)standupmitra.in (SIDBI dwara sanchaalit) par panjikaran karke apni shreni, prastavit vyavasay aur jila bharein. Zaroorat ho to portal aapko training, DPR banane aur mentorship jaisi handholding sahayata ke liye sambandhit agency se jodta hai — aavedak ko Ready Borrower ya Trainee Borrower ke roop me vargikrit kiya jata hai.
  4. Bank me kagaz aur apna yogdaan jama kareinChuni hui bank shakha me saare kagaz dein. Margin money adhiktam 15% tak ho sakta hai, jo kisi patr kendra/rajya yojana se convergence me mil sakta hai — lekin har haal me project cost ka kam se kam 10% apna yogdaan aapko khud lana hoga.
  5. Loan sanction, RuPay card aur chuktaBank project ki janch ke baad composite loan sanction karta hai — isme term loan aur working capital dono shamil hain. Working capital ₹10 lakh tak overdraft ke roop me milta hai aur uske liye RuPay debit card diya jata hai; isse zyada par Cash Credit limit milti hai. Loan ki chukta avadhi adhiktam 7 saal hai, jisme 18 mahine tak ka moratorium shamil hai. Loan par primary security ke alawa bank CGFSI credit guarantee ya collateral maang sakta hai.

Status / kist kaise check karein

  1. Stand-Up Mitra portal parstandupmitra.in par login karke apne aavedan ki sthiti aur bank se jodne ki pragati dekhi ja sakti hai.
  2. Bank shakha seLoan sanction aur disbursement ki asal sthiti wahi bank shakha degi jahan aavedan gaya hai — aavedan sankhya/reference surakshit rakhein.
  3. Lead District Manager (LDM) seYadi aavedan LDM ke madhyam se kiya tha ya bank par der ho rahi hai, to jile ke Lead District Manager karyalaya se sahayata aur sthiti dono mil sakte hain.
Thagi se bachein: Awedan bilkul muft hai. Koi vyakti naam jodne ya kist jaldi dilane ke paise mange, OTP mange, to turant mana karein aur helpline ya najdeeki police se shikayat karein. Apply hamesha sirf official portal (www.standupmitra.in) se karein.

Aksar puche jaane wale sawal (FAQ)

Kya Stand-Up India me subsidy milti hai?

Nahi — PMEGP ki tarah is yojana me koi seedhi sarkari subsidy nahi hai. Ye ek bank loan yojana hai, rakam byaj sahit wapas karni hoti hai. Sirf itni suvidha hai ki margin money (project cost ka adhiktam 15% tak) kisi doosri patr kendra/rajya yojana se convergence ke roop me liya ja sakta hai; uske baad bhi kam se kam 10% apna yogdaan aapko khud lana padega (DFS aur PIB ke anusaar). Koi vyakti 'Stand-Up India subsidy' ke naam par paisa maange to savdhaan rahein.

Stand-Up India me kaun loan le sakta hai? Kya general category ka purush apply kar sakta hai?

Nahi. Loan sirf SC/ST aur/ya mahila udyamiyon ke liye hai, umar 18 saal se zyada honi chahiye. Mahila udyami kisi bhi varg se ho sakti hai, lekin purush aavedak ka SC ya ST varg se hona zaroori hai. Saath hi har bank shakha ka lakshya kam se kam ek SC/ST aur ek mahila labharthi ko loan dena hai.

Greenfield enterprise ka matlab kya hai?

Greenfield ka matlab hai labharthi ka bilkul pehla, naya udyam — manufacturing, services, trading ya krishi-sambaddh gatividhi me pehli baar shuru kiya gaya vyavasay. Pehle se chal rahe vyavasay ka vistar ya diversification is yojana me patr nahi hai.

51% shareholding wali shart kya hai?

Agar udyam kisi ek vyakti ke naam par nahi, balki company ya partnership firm jaise non-individual roop me hai, to usme kam se kam 51% shareholding aur controlling stake SC/ST aur/ya mahila udyami ke paas hona zaroori hai. Akela (individual) aavedak par ye shart lagu nahi hoti.

Loan kitne samay me chukana hoga? RuPay card kyun milta hai?

Loan ki kul chukta avadhi adhiktam 7 saal hai, jisme adhiktam 18 mahine ka moratorium (shuruaati chhoot ka samay) shamil hai. Loan composite hota hai — term loan + working capital ek saath. Working capital ₹10 lakh tak overdraft ke roop me diya jata hai aur use nikalne ki suvidha ke liye labharthi ko RuPay debit card diya jata hai; ₹10 lakh se zyada working capital Cash Credit limit ke roop me milti hai.

Kya is yojana ke liye collateral (girvi) dena padega?

Loan aam taur par unit ki primary security par hota hai. Uske alawa bank apne vivek se collateral security ya Credit Guarantee Fund for Stand-Up India (CGFSI) ki guarantee maang sakta hai — Bharat Sarkar ne collateral-free coverage badhane ke liye hi CGFSI banaya hai (PIB ke anusaar). Antim shart aapki bank shakha tay karegi, isliye sanction se pehle likhit me samjhein.

Jankari ke srot (Sources)

Koi jankari purani ya galat lage to Contact page par batayein — official source se verify karke turant sudhara jayega.

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