The "Start-up India Stand-Up India" initiative was announced by the Hon'ble Prime Minister in his address to the nation on August 15, 2015 to promote bank financing for green field enterprises promoted by SC/ST/ Women entrepreneur The scheme would be operated through 1.25 lakh bank branch network of scheduled commercial banks across the country. ‘स्टैंड अप इंडिया’ की घोषणा माननीय प्रधानमंत्री ने 15 अगस्त 2015 को राष्ट्र को किए गए अपने संबोधन में की थी। इसका उद्देश्य अनुसूचित जातियों/अनुसूचित जनजातियों/ महिला उद्यमियों द्वारा लगाए गए नए (ग्रीन-फील्ड) उद्यमों के लिए बैंक वित्त को बढ़ावा देना है। यह योजना अनुसूचित वाणिज्य बैंकों की 1.25 लाख शाखाओं के देश-व्यापी नेटवर्क के माध्यम से परिचालित की जाएगी।

The objective of the Stand-Up India scheme is to facilitate bank loans between 10 lakh and 1 Crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch for setting up a greenfield enterprise. This enterprise may be in manufacturing, services, agri-allied activities or the trading sector. In case of non-individual enterprises at least 51% of the shareholding and controlling stake should be held by either an SC/ST or Woman entrepreneur. ‘स्टैंड अप इंडिया’ योजना का उद्देश्य नए उद्यम स्थापित करने के लिए अनुसूचित जाति अथवा अनुसूचित जनजाति के कम से कम एक उधारकर्ता व महिला उधारकर्ता को रु. 10 लाख से रु. 1 करोड़ के बीच प्रति बैंक शाखा कम से कम एक बैंक ऋण की सुविधा प्रदान करना है। यह उद्यम विनिर्माण, सेवा, कृषि-संबद्ध अथवा व्यापार के क्षेत्र में हो सकते हैं। गैर-वैयक्तिक उद्यमों के मामले में शेयरधारिता और नियंत्रक हिताधिकार का कम से कम 51% या तो किसी अनुसूचित जाति/अनुसूचित जनजाति द्वारा अथवा किसी महिला उद्यमिता द्वारा धारित होना चाहिए।

The scheme is for setting up a new enterprise in manufacturing, services, agri-allied activities or the trading sector by SC/ST/Women entrepreneur. यह योजना विनिर्माण, सेवा, कृषि-संबद्ध अथवा व्यापार क्षेत्र में अनुसूचित जाति/अनुसूचित जनजाति/महिला उद्यमी द्वारा नए उद्यम स्थापित करने के लिए है।

For loans below 10 lakh, banks are already lending under their existing schemes. Further, MUDRA Ltd. also operates 3 schemes namely Shishu/kishor/Tarun through banks for loans upto 10 lakh. Please visit www.mudra.org.in for further details. 10 लाख से कम के ऋणों के लिए बैंक अपनी मौजूदा योजनाओं के अंतर्गत ऋण प्रदान कर रहे हैं। साथ ही, मुद्रा लि. भी बैंकों के माध्यम से 10 लाख तक के ऋणों के लिए 3 योजनाएँ- शिशु/किशोर/तरुण परिचालित करता है। और अधिक विवरणों के लिए कृपया www.mudra.org.in देखें।

SC/ST and/or Women entrepreneurs setting up new enterprises are eligible for availing loans under Stand-Up India Scheme. Typically projects in the manufacturing, services, agri-allied activities or the trading sector would be eligible for coverage under the scheme. नए उद्यमों की स्थापना हेतु स्टैंड अप इंडिया योजना के अंतर्गत ऋण प्राप्त करने के लिए अनुसूचित जाति/अनुसूचित जनजाति और/अथवा महिला उद्यमी पात्र हैं। खास तौर से विनिर्माण, सेवा, कृषि-संबद्ध अथवा व्यापार क्षेत्र की परियोजनाएँ इस योजना के अंतर्गत कवरेज के लिए पात्र होंगी।

The activities like pisciculture, beekeeping, poultry, livestock, rearing, grading, sorting, aggregation agro industries, dairy, fishery, agriclinic and agribusiness centers, food & agro-processing, etc. (excluding crop loans, land improvement such as canals, irrigation, wells) and services supporting these would be eligible for coverage under the scheme. मछली पालन, मधुमक्खी पालन, मुर्गी पालन, पशुधन, पालन, ग्रेडिंग, छँटाई, एकत्रीकरण कृषि उद्योग, डेयरी, मत्स्य पालन, कृषि और कृषि व्यवसाय केंद्र, खाद्य और कृषि-प्रसंस्करण आदि गतिविधियाँ, फसल ऋणों को छोड़कर, भूमि सुधार जैसे नहरें, सिंचाई। इनका समर्थन करने वाली सेवाएं, कुएं) और योजना के तहत कवरेज के लिए पात्र होंगे।

Composite loan (inclusive of term loan and working capital) between 10 lakh and upto 100 lakh representing upto 85% of the project cost would be eligible. 10 लाख से 100 लाख तक के संमिश्र ऋण (सावधि ऋण और कार्यशील पूँजी सहित) पात्र होंगे, जिनमें परियोजना लागत का 75% तक शामिल होगा।

Composite loan (inclusive of term loan and working capital) between 10 lakh and upto 100 lakh would be eligible 10 लाख और 100 लाख तक के संमिश्र ऋण (सावधि ऋण और कार्यशील पूँजी सहित) पात्र होंगे।

The rate of interest would be lowest applicable rate of the bank for that category (rating category) not to exceed (base rate (MCLR) + 3%+ tenor premium). ब्याज-दर उस श्रेणी (रेटिंग श्रेणी) के लिए बैंक द्वारा प्रभारित की जा रही निम्नतम ब्याज दर होगी, जो आधार दर (एमसीएलआर+3%+ अवधि प्रीमियम) से अधिक नहीं होगी।

In addition to mortgage/hypothecation of Primary Asset acquired out of loan, the loan may also be secured by collateral security or guarantee of Credit Guarantee Scheme for Stand-Up India Loans (CGSSI) as decided by the banks. ऋण से अर्जित प्राथमिक आस्ति पर बंधक/दृष्टिबंधक के अलावा ऋण संपार्श्विक प्रतिभूति अथवा स्टैंड अप इंडिया ऋण हेतु ऋण गारंटी निधि योजना (सीजीएसएसआई) से भी प्रतिभूत हो सकता है, जिसका निर्णय बैंक करेंगे।

All branches of Scheduled Commercial Banks located across the country. अनुसूचित वाणिज्य बैंकों की देश भर में स्थित सभी शाखाएँ।

The repayment period of the composite loan is to be fixed depending upon nature of activity and useful life of assets purchased with bank loan but not to exceed 7 years with a maximum moratorium period of 18 months. संमिश्र योजना के अंतर्गत चुकौती अवधि गतिविधि के स्वरूप और बैंक ऋण से खरीदी गई आस्तियों के उपयोगी जीवन के अनुरूप निर्धारित की जाएगी, किन्तु वह 7 वर्ष से अधिक नहीं होगी, और अधिकतम 18 महीने का ऋण-स्थगन होगा।

SMILE Scheme is operated only through SIDBI for investment in projects coming up in 25 identified sectors under the Make in India programme for existing and new units. The support is in the nature of quasi equity and term loan on relatively soft terms, with the minimum term loan size for new units at 25 lakh. Stand-Up India scheme is proposed to be operated through 1.25 lakh bank branches in the country. The loans would be above 10 lakh and upto 100 lakh specifically for SC/ST/Women entrepreneurs setting up green field projects. स्माइल योजना मौजूदा और नई इकाइयों के लिए मेक इन इंडिया कार्यक्रम के अंतर्गत 25 चिह्नित क्षेत्रों में लगाई जा रही परियोजनाओं में निवेश के लिए केवल सिडबी के माध्यम से परिचालित की जा रही है। इसमें सहायता अर्ध-ईक्विटी और सावधि ऋण के रूप में अपेक्षाकृत सुलभ शर्तों पर दी जाती है, और नई इकाइयों के लिए सावधि ऋण का न्यूनतम आकार रु. 50 लाख रखा जाता है। स्टैंड अप इंडिया योजना का परिचालन देश भर की 1.25 लाख बैंक शाखाओं के माध्यम से प्रस्तावित है। इसमें खास तौर से अनुसूचित जातियों/अनुसूचित जनजातियों/महिलाओं को रु. 10 लाख से अधिक और रु. 100 लाख तक के ऋण दिए जाएँगे, ताकि वे नए उद्यम (ग्रीन-फील्ड) लगा सकें।

Stand Up India Scheme is to facilitate bank loans between 10 lakh to 1 crore to the enterprises promoted by SC or ST and Women entrepreneurs to set up green field projects in manufacturing, services, agri-allied activities or the trading sector.
Start Up India Scheme aims to boost innovative and technology led enterprises for new/existing enterprises. According to Dept. of Industrial Policy and Promotion, Ministry of Commerce and Industry, GoI vide Notification dated Feb 17, 2016, an entity shall be considered as a startup –
   a) Startups means an entity, incorporated or registered in India Not prior to 10 years,
   b) With annual turnover not exceeding INR Rs. 100 crore in any preceding financial year, and
   c) Working towards innovation, development or improvement of products or processes or services, or if it is a scalable business model with a high potential of employment generation or wealth creation.
An entity is considered to be working towards innovation, development, deployment or commercialization of new products, processes or services driven by technology or intellectual property if it aims to develop and commercialize:
    a. a new product or service or process, or
    b. a significantly improved existing product or service or process, that will create or add value for customers or workflow. Stand Up India Scheme is to facilitate bank loans between 10 lakh to 1 crore to the enterprises promoted by SC or ST and Women entrepreneurs to set up green field projects in manufacturing, services, agri-allied activities or the trading sector.
Start Up India Scheme aims to boost innovative and technology led enterprises for new/existing enterprises. According to Dept. of Industrial Policy and Promotion, Ministry of Commerce and Industry, GoI vide Notification dated Feb 17, 2016, an entity shall be considered as a startup –
   a) up to five years from the date of its incorporation/registration,
   b) if its turnover for any of the financial years has not exceeded 25 crore, and
   c) It is working towards innovation, development, deployment or commercialization of new products, processes or services driven by technology or intellectual property; Provided that any such entity formed by splitting up or reconstruction of a business already in existence shall not be considered a 'startup'. Entity means a private limited company (as defined in the Companies Act, 2013), or a registered partnership firm (registered under section 59 of the Partnership Act, 1932) or a limited liability partnership (under the Limited Liability Partnership Act, 2002).
An entity is considered to be working towards innovation, development, deployment or commercialization of new products, processes or services driven by technology or intellectual property if it aims to develop and commercialize:
    a. a new product or service or process, or
    b. a significantly improved existing product or service or process, that will create or add value for customers or workflow.

Apart from linking prospective borrowers to banks for loans , the web portal designed by SIDBI for Stand-Up India Scheme also provides handholding support through a network of agencies engaged in training, skill development, mentoring, project report preparation, application filling, work shed/utility support services, subsidy schemes etc. स्टैंड अप इंडिया योजना के लिए सिडबी द्वारा तैयार किया गया वेब पोर्टल (www.standupmitra.in) संभावित उधारकर्ताओं को ऋण हेतु बैंकों से जोड़ने के साथ-साथ, प्रशिक्षण, कौशल विकास, मेंटरिंग, परियोजना रिपोर्ट निर्माण, आवेदन पत्र भरने, वर्कशेड/उपयोगिता सहायता सेवा, सब्सिडी योजनाओँ वाली एजेंसियों आदि के माध्यम से हैंड होल्डिंग सहायता भी मुहैया कराता है।

The beneficiaries could be walk-in customers for a bank, online applicants or trainees from various government and non-government agencies engaged in providing vocation training, Entrepreneurship Development Programs, Financial training etc. लाभग्राही बैंक में चलकर आनेवाली ग्राहक, ऑनलाइन आवेदक अथवा ऐसी विभिन्न सरकारी और गैर-सरकारी एजेंसियों के प्रशिक्षु हो सकते हैं जो रोजगारपरक प्रशिक्षण, उद्यमिता विकास कार्यक्रम, वित्तीय प्रशिक्षण आदि प्रदान करती हैं।

Stand-Up India Scheme is a special scheme for women entrepreneu Therefore, you can avail the facilities under the scheme as per your requirements provided the composite loan amount ranges between 10 lakh to 100 lakh. You may approach a bank branch nearest to you for more details or access the Stand-Up India portal for more details. स्टैंड अप इंडिया महिलाओं के लिए बनी विशेष योजना है। अतः आप इस योजना के अंतर्गत अपनी आवश्यकतानुसार ऋण-सुविधा प्राप्त कर सकती हैं, बशर्ते संमिश्र ऋण की राशि रु. 10 लाख से रु. 100 लाख के बीच हो। और अधिक जानकारी के लिए आप अपनी निकटतम बैंक-शाखा से संपर्क कर सकती हैं या स्टैंड अप इंडिया पोर्टल देख सकती हैं।

Composite Loans between 10 lakh to 100 lakh for setting up a green field project is eligible for coverage under Stand-Up India Scheme subject to compliance with other requirements of the bank under the scheme. Kindly approach your nearest bank branch or access the Stand-Up India portal for more details. (Portal Address to be given) नई परियोजना लगाने हेतु 10 लाख से 100 लाख तक के संमिश्र ऋण स्‍टैंड अप इंडिया योजना के अंतर्गत शामिल किए जाने हेतु पात्र हैं, बशर्ते वे योजना के अंतर्गत अन्‍य अपेक्षाओं को पूर्ण करते हों । अधिक विवरण हेतु कृपया अपनी निकटतम बैंक शाखा से संपर्क करें अथवा स्‍टैंड अप इंडिया पोर्टल देखें । (पोर्टल का पता : www.standupmitra.in)

Any new entrepreneur requires guidance in his endeavor to set up his or her business enterprise starting from training to filling up loan applications as per bank requirements. This portal facilitates by providing step by step guidance for connecting to various agencies with specific expertise viz. Skilling Centres, Mentorship support, Entrepreneurship Development Program Centres, District Industries Centre, together with addresses and contact number. किसी भी नए उद्यमी को बैंक की अपेक्षाओं के अनुसार ऋण आवेदन भरने संबंधी प्रशिक्षण से लेकर आगे तक, उसका स्‍वयं का व्‍यवसाय उद्यम स्‍थापित करने में मार्गदर्शन की आवश्‍यकता होती है । यह पोर्टल विशिष्‍ट विशेषज्ञता रखने वाली विभिन्‍न एजेंसियों से जुड़ने हेतु इस संबंध में कदम दर कदम मार्गदर्शन उपलब्‍ध कराता है । जैसे कौशल केन्‍द्र, परामर्श सहायता, उद्यमिता विकास कार्यक्रम केंद्र, जिला उद्योग केंद्र आदि के पते एवं संपर्क नंबर सहित ।

You may navigate through the portal or seek assistance from connect centre nearest to you to help you identify the nature of handholding support required. Broadly handholding support has been segregated in 7 areas of expertise viz. Skilling (Vocational), Financial Literacy training, Entrepreneurship Development Program, Mentoring, Project Report Preparation, Loan Application filling, Work sheds from DICs and Margin Money for Subsidy Support. आप पोर्टल को देख सकते हैं अथवा अपने निकटतम संयोजन केंद्र से सहायता प्राप्‍त कर सकते हैं, ताकि आपको आवश्‍यक मार्गदर्शक सहायता की प्रकृति की पहचान की जा सके । मोटे तौर पर मार्गदर्शक सहायता को विशेषज्ञता के 7 क्षेत्रों में विभक्‍त किया गया है, जो हैं : कौशल उन्‍नयन (व्‍यावसायिक), वित्‍तीय साक्षरता प्रशिक्षण, उद्यमिता विकास कार्यक्रम, परामर्श प्रदान करना, परियोजना रिपोर्ट तैयार करना, ऋण आवेदन भरना, जिला उद्योग केंद्रों से वर्कशेड्स एवं सब्सिडी सहायता हेतु मार्जिन राशि ।

If so, how much. Yes. You have to pay for the training program to the agency directly as per their applicable fee structure. हां । प्रशिक्षण कार्यक्रम हेतु आपको एजेंसी को सीधे ही उनके लागू शुल्‍क ढांचे के अनुसार भुगतान करना होगा।

Registration on the portal is free of cost. पोर्टल पर पंजीकरण नि:शुल्‍क है ।

This portal is a transparent step by step guide to setting up of your business enterprise. यह पोर्टल आपके व्‍यवसाय उद्यम को आरंभ करने हेतु एक कदम दर कदम स्‍पष्‍ट मार्गदर्शक है ।

Please get in touch with your preferred banker (chosen by you) to understand why the proposal was not approved and based on that take corrective action to make the proposal credit worthy. आपका प्रस्‍ताव के मंजूर न होने के कारण जानने हेतु कृपया अपने अधिमान्‍य बैंकर (आपके द्वारा चयनित) से संपर्क करें तथा उसके आधार पर सुधारात्‍मक कार्रवाई करें, ताकि प्रस्‍ताव ऋण प्राप्‍त करने योग्‍य हो सके ।

No. There is no compulsion for securing the loan only by way of Credit Guarantee Cover. You may opt for securing the loan by way of collateral security also. Please discuss this aspect with your banker. नहीं । केवल ऋण गारंटी कवर के माध्‍यम से ही ऋण की प्रतिभूति बनाने के संबंध में कोई बाध्‍यता नहीं है । आप ऋण को समानांतर प्रतिभूति के माध्‍यम से भी प्रतिभूत कर सकते हैं । कृपया इस संबंध में अपने बैंकर से चर्चा कर लें ।

‘Messaging’ has been introduced on portal by which applicants can interact with LDMs, SUHCs and preferred Bank branches and any other banks which picked up application for processing, for follow up on handholding requests, loan application, submission of additional documents required for loan, responding to clarification requested, post sanction communication etc. ‘Messaging’ has been introduced on portal by which applicants can interact with LDMs, SUHCs and preferred Bank branches and any other banks which picked up application for processing, for follow up on handholding requests, loan application, submission of additional documents required for loan, responding to clarification requested, post sanction communication etc.

‘Events’ has been introduced on portal by which handholding agencies can post their schedule of events which can be seen by the applicants. Applicants upon login, through their dash board, can view a consolidated events being held in their locality. While seeking support from handholding agencies, the applicants can also view the events, if any, scheduled by the handholding agencies. ‘Events’ has been introduced on portal by which handholding agencies can post their schedule of events which can be seen by the applicants. Applicants upon login, through their dash board, can view a consolidated events being held in their locality. While seeking support from handholding agencies, the applicants can also view the events, if any, scheduled by the handholding agencies.

The facility for submission of additional documents through the portal even after submitting the loan application to the bank to improve the response mechanism. The applicants through their dash board, can submit the additional documents through the link provided against their application. The facility for submission of additional documents through the portal even after submitting the loan application to the bank to improve the response mechanism. The applicants through their dash board, can submit the additional documents through the link provided against their application.

Before effecting the first disbursement, the applicant can withdraw the application for reapply and the option is available through the dash board ‘Withdraw to reapply’ of the applicant. Before effecting the first disbursement, the applicant can withdraw the application for reapply and the option is available through the dash board ‘Withdraw to reapply’ of the applicant.

Go to ‘My Profile’, click on ‘edit my details; change the parameters viz. size of the loan, green-field or not, percentage of stakeholders, women or SC/ST, etc. Based on the inputs given by the applicant, the portal would categorise the Scheme. Go to ‘My Profile’, click on ‘edit my details; change the parameters viz. size of the loan, green-field or not, percentage of stakeholders, women or SC/ST, etc. Based on the inputs given by the applicant, the portal would categorise the Scheme.

SIDBI and FISME have launched an ONLINE GST support through www.gst4msme.com, an interactive portal to answer your queries on GST, a toll-free GST Helpline number 1800-11-3585 (which answers your queries in 48 hours), a practical guide for MSMEs on GST and also various material to disseminate knowledge on GST.
The objective is to provide expert opinions on MSMEs: inquisitiveness relating to GST and impact, if any, on their competitiveness, scale of economies, market access and so on. The initiative is aimed at taking care of
  A) Awareness creation
  B) Advocacy to policy makers on MSMEs' expectations
  C) Capacity building SIDBI and FISME have launched an ONLINE GST support through www.gst4msme.com, an interactive portal to answer your queries on GST, a toll-free GST Helpline number 1800-11-3585 (which answers your queries in 48 hours), a practical guide for MSMEs on GST and also various material to disseminate knowledge on GST.
The objective is to provide expert opinions on MSMEs: inquisitiveness relating to GST and impact, if any, on their competitiveness, scale of economies, market access and so on. The initiative is aimed at taking care of
  A) Awareness creation
  B) Advocacy to policy makers on MSMEs' expectations
  C) Capacity building