Stand-Up India (SUI) Scheme 2026: The Stand-Up India (SUI) Scheme is a Government of India initiative that helps SC/ST and women entrepreneurs start their own business by providing bank loans. The scheme focuses on creating new businesses (greenfield projects) and promoting self-employment across the country.
It was launched on 5 April 2016 under the Ministry of Finance to support financially weaker sections and women in becoming business owners.
Overview of Stand-Up India (SUI) Scheme 2026
| Feature | Details |
|---|---|
| Scheme Name | Stand-Up India (SUI) |
| Launched | 5 April 2016 |
| Ministry | Ministry of Finance |
| Target Group | SC/ST & Women Entrepreneurs |
| Loan Amount | 10 lakh to 1 crore |
| Purpose | New (Greenfield) Business Setup |
| Sectors | Manufacturing, Trading, Services, Agriculture |
| Repayment Period | Up to 7 years |
| Moratorium | Up to 18 months |
| Implemented Through | Scheduled Commercial Banks |
What is the Stand-Up India (SUI) Scheme 2026?
The scheme provides bank loans between 10 lakh and 1 crore to eligible applicants to start a new business venture.
Each bank branch is expected to support:
- At least one SC/ST borrower
- At least one woman entrepreneur
This ensures wider access to financial support across India.
Key Objectives
- Promote entrepreneurship among SC/ST and women
- Provide easy access to bank loans
- Encourage self-employment
- Create job opportunities
- Support inclusive economic growth
Benefits of the Scheme
1. Financial Support
- Loans from ₹10 lakh to ₹1 crore help start a business easily.
2. Encourages New Businesses
- Only for greenfield projects (new businesses), which promote fresh startups.
3. Employment Generation
- New businesses create jobs and boost the economy.
4. Support for Women & SC/ST
- Special focus on financial inclusion and empowerment.
5. Credit Guarantee Support
- Loans may be covered under credit guarantee schemes, reducing risk for banks.
Eligibility Criteria fo apply Stand-Up India (SUI) Scheme 2026
To apply for the scheme, you must:
- Be SC/ST or a woman entrepreneur
- Be 18 years or above
- Start a new business (first-time venture)
- Not be a loan defaulter
- For companies:
- At least 51% ownership must be with SC/ST or women
Loan Details
| Component | Details |
|---|---|
| Minimum Loan | 10 lakh |
| Maximum Loan | 1 crore |
| Type | Composite loan (Term + Working Capital) |
| Margin Money | Up to 15% of the project cost |
| Interest Rate | Bank’s MCLR + margin |
| Repayment | Up to 7 years |
Sectors Covered
You can start a business in:
- Manufacturing
- Service sector
- Trading
- Agriculture-related activities
How to Apply for the Stand-Up India Scheme
Follow these simple steps:
- Visit the official portal (Stand-Up Mitra / bank website)
- Enter your personal and business details
- Select category (SC/ST/Women)
- Submit business plan
- Choose a bank branch
- Complete the loan application process
- Or Apply Through Portal: www.standupmitra.in
Banks will review your application and process the loan.
Documents Required
- Aadhaar Card / ID Proof
- PAN Card
- Address Proof
- Business Plan
- Bank details
- Caste certificate (if applicable)
- Passport-size photos
Important Features
- Focus on first-time entrepreneurs
- Includes working capital support
- Offers handholding support (training, guidance)
- Available through all major banks
Why This Scheme is Important
The Stand-Up India Scheme plays a big role in:
- Reducing unemployment
- Promoting entrepreneurship in rural & urban areas
- Supporting the weaker sections financially
- Strengthening India’s MSME sector
The Stand-Up India (SUI) Scheme is a powerful opportunity for women and SC/ST individuals who want to start their own business but lack funds. With easy loans, support, and government backing, it helps turn ideas into real businesses.
If you are planning to start a business, this scheme can be a strong financial support system for you.
Sources And References
FAQs
Q1. Who can apply for the Stand-Up India Scheme?
SC/ST individuals and women entrepreneurs aged 18+.
Q2. What is the loan amount?
₹10 lakh to ₹1 crore.
Q3. Is collateral required?
It depends on the bank, but credit guarantee schemes may reduce collateral need.
Q4. Can I apply online?
Yes, through official portals or bank websites.
Q5. Is it only for new businesses?
Yes, only for greenfield (new) projects.
