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About this tool
Check Stand Up India criteria for SC, ST and women entrepreneurs, then size the composite loan and margin money for a greenfield project.
Stand Up India is a bank-lending mandate: every scheduled commercial bank branch is asked to sanction a composite loan of ₹10 lakh to ₹1 crore to at least one Scheduled Caste or Scheduled Tribe borrower and at least one woman borrower, for a greenfield enterprise. This checker runs an applicant against each published criterion — borrower category, age, greenfield status, sector, default history, shareholding for non-individual entities — and then sizes the loan at up to 85% of project cost against the 10% minimum margin money. It also gives an indicative EMI over the maximum seven-year tenure with up to an 18-month moratorium.
Open Stand Up India Loan Eligibility Checker on AltFTool — it loads instantly in your browser.
Enter the values you already know.
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Read the result and use it in your planning or reporting.
Category, age, greenfield status, sector, default history, shareholding and loan band, each with a pass or fail reason.
Shows the 10% floor and the larger contribution needed when the ₹1 crore ceiling caps the loan.
Applies the seven-year tenure and eighteen-month moratorium the scheme allows, with moratorium interest shown separately.
SC, ST and women entrepreneurs aged 18 or above, setting up a greenfield enterprise in manufacturing, services, trading or activities allied to agriculture, and not in default to any bank or financial institution. For a company, LLP or partnership, at least 51% of the shareholding and the controlling stake must be held by SC/ST and/or women entrepreneurs.
Greenfield means the borrower's first venture in that activity. The loan funds a new enterprise being set up, not the expansion, modernisation or takeover of a business the borrower already runs. Banks ask for a declaration on this point at application.
Between ₹10 lakh and ₹1 crore as a composite term loan plus working capital, covering up to 85% of the project cost. The borrower must bring at least 10% of the project cost as margin money. On a ₹40 lakh project that means roughly ₹34 lakh from the bank and at least ₹4 lakh from you, though central or state subsidy convergence can change the split.
Up to seven years, including a moratorium of up to 18 months during which no instalment is due. Interest still accrues in the moratorium, so it is added to what you eventually repay. The interest rate is set by the lending bank and cannot exceed its applicable rate for that category of loan.