Executive Summary:
The Stand-Up India Scheme, launched on April 5, 2016, aims to facilitate loans from Scheduled Commercial Banks (SCBs) to encourage entrepreneurship among Scheduled Caste (SC), Scheduled Tribe (ST), and women borrowers. As of March 31, 2025, the scheme has sanctioned 2.75 lakh loans amounting to Rs. 62,790 crore, surpassing the allocated target of 2.50 lakh loan accounts. The scheme provides loans for greenfield enterprises in manufacturing, services, or trading sectors, including activities allied to agriculture.
Key Points / Main Content:
* **Objective:** To provide loans from SCBs to at least one SC/ST borrower and one woman borrower per bank branch to establish a greenfield enterprise.
* **Loan Details:**
* Loan value between Rs. 10 lakh and Rs. 1 Crore.
* Applicable interest rate not exceeding base rate MCLR + 3% + Tenor premium.
* Repayment period of 7 years with a maximum moratorium of up to 18 months.
* **Eligibility Criteria:**
* SC/ST and/or woman entrepreneurs, above 18 years of age.
* For non-individual enterprises, 51% of shareholding and controlling stake should be held by either SC/ST and/or Women Entrepreneur.
* Borrower should not be in default to any bank/financial institution.
* Loan should be composite (working capital and term loan).
* **Achievements (as of March 31, 2025):**
* 2.75 lakh loans sanctioned, totaling Rs. 62,790 crore.
* **Government Initiatives for Effective Implementation:**
* Intensive publicity campaigns.
* Simplification of application forms.
* Credit Guarantee Scheme.
* Reduction in margin money.
* Inclusion of activities allied to agriculture.
Impact Analysis:
* **SC/ST and Women Entrepreneurs:**
* *Impact:* Access to financial assistance to start new businesses, promoting economic empowerment.
* *Action Required:* Meet eligibility criteria and apply for loans through Scheduled Commercial Banks.
* **Scheduled Commercial Banks (SCBs):**
* *Impact:* Required to provide loans within the specified guidelines of the Stand-Up India Scheme, contributing to the scheme's objectives.
* *Action Required:* Implement the scheme guidelines, process loan applications, and disburse loans to eligible beneficiaries.
Key Entities Referenced
Stand-Up India Scheme: A Government of India initiative launched on April 5, 2016, to promote entrepreneurship among women and Scheduled Castes/Tribes by providing bank loans for greenfield enterprises.
Ministry of Finance: The Indian government ministry responsible for financial matters, including the Stand-Up India Scheme.
Scheduled Commercial Banks (SCBs): Banks involved in providing loans under the Stand-Up India Scheme.
Scheduled Caste (SC): A group of historically disadvantaged communities in India, targeted by the Stand-Up India Scheme.
Scheduled Tribe (ST): A group of indigenous communities in India, targeted by the Stand-Up India Scheme.
Karnataka: A state in India for which the loan disbursement data under Stand-Up India Scheme is provided.
Maharashtra: A state in India for which the loan disbursement data under Stand-Up India Scheme is provided, including specific mention of Palghar district.
Tamil Nadu: A state in India for which the loan disbursement data under Stand-Up India Scheme is provided and the role of financial institutions in facilitating the disbursement of loans is mentioned
GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
UNSTARRED QUESTION No. 18
ANSWERED ON MONDAY 21st JULY, 2025/ 30 ASHADHA, 1947(SAKA)
STAND-UP INDIA SCHEME
18. Shri Chhatrapal Singh Gangwar:
Shri Vijay Kumar Dubey:
Smt. Himadri Singh:
Smt. Poonamben Hematbhai Maadam:
Shri Govind Makthappa Karjol:
Shri Narayan Tatu Rane:
Shri Godam Nagesh:
Shri Praveen Patel:
Shri Chandan Chauhan:
Shri Lumbaram Choudhary:
Shri Vishweshwar Hegde Kageri:
Shri Dulu Mahato:
Shri Dineshbhai Makwana:
Shri Pradeep Kumar Singh:
Shri Kripanath Mallah:
Shri Vishaldada Prakashbapu Patil:
Shri Bidyut Baran Mahato:
Dr. Hemant Vishnu Savara:
Shri Captain Brijesh Chowta:
Shri Gajendra Singh Patel:
Shri Dilip Saikia:
Shri Malaiyarasan D:
Shri Vishnu Dayal Ram:
Shri Madhavaneni Raghunandan Rao:
Shri Balabhadra Majhi:
Shri Bibhu Prasad Tarai:
Shri Ravindra Shukla Alias Ravi Kishan:
Shri Alok Sharma:
Shri Anurag Sharma:
Shri Navaskani K:
Shri Naba Charan Majhi:
Shri Kanwar Singh Tanwar:
Shri Suresh Kumar Kashyap:Will the Minister of FINANCE be pleased to state:-
(a) the salient features of the Stand-up India Scheme and the details of achievements made
thereunder;
(b) the manner in which the Stand-up India Scheme breaks barriers by providing bank loans to SC,
ST and Women entrepreneurs to start new business along with the criteria fixed for selection of
beneficiaries;
(c) the growth in the total amount sanctioned and accounts opened by SC, ST and Women
entrepreneurs under the scheme since 2018 in various States of the country, State-wise including
Karnataka, Maharashtra, Tamil Nadu, Uttar Pradesh and Himachal Pradesh;
(d) the details of the bank loan provided to SC, ST and Women entrepreneurs in the tribal areas of
the country including Palghar district in Maharashtra;
(e) the details of the loan amount, interest rate and repayment under the said scheme across the
country, State-wise including Shimla Lok Sabha Constituency in Himachal Pradesh; and
(f) the role of financial institutions in facilitating the disbursement of loans under the Stand-up
India Scheme in various States including Tamil Nadu and the challenges being faced in reaching
out to the targeted beneficiaries along with the number of new businesses established so far, State-
wise?
ANSWER
MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI PANKAJ CHAUDHARY)
(a) to (e) The Stand-up India Scheme was launched on 05th April, 2016 with an objective to provide
loans from Scheduled Commercial Banks (SCBs) of value between Rs.10 lakh and Rs.1 Crore to at
least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and one woman borrower per Bank
branch for setting up a greenfield enterprise in the manufacturing, services or trading sector and also
for activities allied to agriculture.
As on 31.03.2025, a total of 2.75 lakh loans amounting to Rs.62,790 crore have been sanctioned as
against the allocated target of 2.50 lakh loan accounts.
The basic eligibility criteria under Stand Up India Scheme is as under:
1. SC/ST and/or woman entrepreneurs, above 18 years of age.
2. In case of non-individual enterprises, 51% of the shareholding and controlling stake should be held
by either SC/ST and/or Women Entrepreneur.
3. Borrower should not be in default to any bank/financial institution.
4. Loan should be composite i.e. working capital & term loan both.The growth in number of loan accounts and amount sanctioned to SC/ST and Women entrepreneurs in
the country (including the State of Karnataka, Maharashtra, Tamil Nadu, Uttar Pradesh and Himachal
Pradesh) of since April 2018 till March, 2025 is as at Annexure -I.
State-wise details of loans sanctioned to SC/ST and Women entrepreneurs across the country including
tribal areas and the District of Palghar, Maharashtra and Shimla, Himachal Pradesh (since inception,
as on March 2025) is as at Annexure- II.
The Scheme provided loans of value between Rs. 10 lakh and Rs.1 Crore at the lowest applicable
interest rate of the Bank for that category (rating). It is not to exceed (base rate MCLR+3%+ Tenor
premium) with a repayment period of 7 years with a maximum moratorium of up to 18 months.
(f) The Government has taken various steps towards effective implementation of the Scheme extended
through financial institutions across various states, including Tamil Nadu. These, inter alia, include
intensive publicity campaigns, simplification of application form, Credit Guarantee Scheme, reduction
in margin money and inclusion of activities allied to agriculture. State- wise data of disbursal for
greenfield enterprises established is as at Annexure-II.
*****Annexure I as referred to in Part (c) of Lok Sabha Unstarred Question No. 18 for reply on
21.07.2025 regarding " Stand -up India Scheme "
State-wise Stand Up India Scheme (SUPI) growth in accounts opened and amount
sanctioned for Loans to SC/ST/Women (since April 2018 till March 2025) including the
States of Karnataka, Maharashtra, Tamil Nadu, Uttar Pradesh and Himachal Pradesh
[Amount Rs. in Crore]
Growth in No. of Growth in Sanctioned
S. No. State/ UT
loan Accounts Amount
ANDAMAN AND NICOBAR
1 ISLANDS 339 70.23
2 ANDHRA PRADESH 11721 2639.81
3 ARUNACHAL PRADESH 872 166.23
4 ASSAM 2461 611.6
5 BIHAR 7143 1456.66
6 CHANDIGARH 437 115.83
7 CHHATTISGARH 3411 922.36
THE DADRA AND NAGAR HAVELI
8 AND DAMAN AND DIU 124 27.95
9 DELHI 4805 1237.34
10 GOA 695 166.33
11 GUJARAT 14508 4229.52
12 HARYANA 6194 1407.34
13 HIMACHAL PRADESH 2609 676.1
14 JAMMU AND KASHMIR 1306 288.89
15 JHARKHAND 3152 677.17
16 KARNATAKA 13389 2946.74
17 KERALA 8813 1685.13
18 LADAKH 585 116.73
19 LAKSHADWEEP 2 0.3
20 MADHYA PRADESH 10293 2651.15
21 MAHARASHTRA 20270 4902.71
22 MANIPUR 420 95.07
23 MEGHALAYA 525 125.84
24 MIZORAM 551 132.11
25 NAGALAND 743 173.68
26 ODISHA 6099 1552.38
27 PUDUCHERRY 406 96.97
28 PUNJAB 7014 1598.3
29 RAJASTHAN 11686 2761.18
30 SIKKIM 579 90.4
31 TAMIL NADU 20350 4529.35
32 TELANGANA 10439 2447.35
33 TRIPURA 521 110.51
34 UTTAR PRADESH 19904 4263.01
35 UTTARAKHAND 2722 676.46
36 WEST BENGAL 9978 1907.94Grand Total 205066 47556.69
Annexure-II as referred to in Part (d) of Lok Sabha Unstarred Question No. 18 for reply on 21.07.2025
regarding " Stand-up India Scheme "
State-wise Stand Up India Scheme (SUPI) data for Loan Sanctioned to SC/ST/Women (including
Palghar and Shimla District) since inception (From April 2016 till March 2025)
[Amount Rs. in Crore]
SC ST Women
Total
(Incl. Women) (Incl. Women) (General)
S.No. State/ UT
No of Sanctioned No of Sanctioned No of Sanctioned No of Sanctioned
A/Cs Amt. A/Cs Amt. A/Cs Amt. A/Cs Amt.
ANDAMAN AND
NICOBAR
1 ISLANDS 39 7.13 21 6.07 339 68.59 399 81.79
ANDHRA
2 PRADESH 4,274 1002.65 698 155.56 10,417 2343.28 15,389 3501.5
ARUNACHAL
3 PRADESH 21 5.63 938 182.84 45 11.22 1,004 199.68
4 ASSAM 732 173.78 518 121.93 2,502 585.29 3,752 881.01
5 BIHAR 1,396 266.28 112 19.54 8,048 1627.17 9,556 1913
6 CHANDIGARH 117 27.9 25 5.53 553 133.42 695 166.85
7 CHHATTISGARH 836 201.09 464 94.37 4,013 1061.29 5,313 1356.76
DADRA AND
NAGAR HAVELI
AND DAMAN
8 AND DIU 32 5.84 20 3.64 123 37.95 175 47.43
9 DELHI 1,289 293.37 161 32.41 5,474 1374.24 6,924 1700.03
10 GOA 118 32.92 42 8.48 772 168.49 932 209.89
11 GUJARAT 2,993 719.18 1,117 259.92 15,096 4569.11 19,206 5548.21
12 HARYANA 1,531 288.92 51 14.1 7,009 1633.7 8,591 1936.72
HIMACHAL
13 PRADESH 710 151.55 398 92.63 2,368 591.61 3,476 835.79
JAMMU AND
14 KASHMIR 243 47.34 255 51.2 1,288 288.57 1,786 387.11
15 JHARKHAND 489 88.05 371 74.8 3,703 793.16 4,563 956
16 KARNATAKA 3,108 661.1 868 166.96 12,870 2922.34 16,846 3750.4
17 KERALA 1,045 184.08 152 25.06 9,304 1824.79 10,501 2033.93
18 LADAKH 50 10.54 572 110.52 19 4.23 641 125.29
19 LAKSHADWEEP 1 0.2 2 0.43 0 0 3 0.63
MADHYA
20 PRADESH 3,290 766.52 875 187.28 9,568 2472.98 13,733 3426.79
21 MAHARASHTRA 4,788 1122.83 1,240 284.02 19,628 4725.09 25,656 6131.9422 MANIPUR 54 11.73 229 53.47 254 52.4 537 117.59
23 MEGHALAYA 30 6.1 530 124.14 119 28.81 679 159.05
24 MIZORAM 21 4.66 646 152.9 35 7.65 702 165.2
25 NAGALAND 33 6.61 847 190.41 79 17.29 959 214.31
26 ODISHA 1,285 290.94 366 74.92 6,734 1634.25 8,385 2000.11
27 PUDUCHERRY 82 17.44 7 0.97 481 115.89 570 134.3
28 PUNJAB 2,151 428.26 127 28.34 7,125 1626.29 9,403 2082.89
29 RAJASTHAN 2,768 617.02 1,401 285.98 10,973 2583.56 15,142 3486.56
30 SIKKIM 91 13.17 361 59.25 218 31.86 670 104.28
31 TAMIL NADU 5,958 1096.31 641 117.3 19,968 4673.7 26,567 5887.31
32 TELANGANA 3,182 726.65 2,027 447.16 9,178 2178.8 14,387 3352.61
33 TRIPURA 190 40.72 102 18.92 381 77.52 673 137.15
UTTAR
34 PRADESH 5,225 1000.11 287 62.2 23,162 4945.84 28,674 6008.16
35 UTTARAKHAND 630 136.12 268 54.31 3,034 760.12 3,932 950.54
36 WEST BENGAL 4,100 715.39 252 45.28 10,518 2038.99 14,870 2799.66
Grand Total 52,902 11168.15 16,991 3612.84 205,398 48009.47 275,291 62790.47
Distt. Palghar
(Maharashtra) 26 5.28 13 1.77 302 66.07 341 73.13
Distt. Shimla
(Himachal
pradesh) 104 21.77 29 6.29 368 89.55 501 117.61