Stand-Up India Scheme: Loan up to ₹1 Crore Guide

CENTRAL OBJECTIVE & BANKING MANDATE

The program enforces a strict regulatory framework across the national credit infrastructure to accelerate financial inclusivity:

Mandatory Bank Target Allocation

Every individual branch of all Scheduled Commercial Banks is legally mandated to provide a minimum of:

• At least One (1) Loan to a Scheduled Caste (SC) or Scheduled Tribe (ST) entrepreneur per

year.

• At least One (1) Loan to a Woman entrepreneur per year.

This mandate applies strictly to the launch of brand-new Greenfield Ventures within the Manufacturing, Services, Trading, or Agri-allied operational sectors. STAND-UP INDIA SCHEME • STRATEGIC BOXED BRIEF Page 1 of 3

LOAN ARCHITECTURE & CAPITAL METRICS

Critical Financial Parameters

Loan Quantum Limit: Offers composite financing from a baseline minimum of ₹10 Lakh up to a maximum ceiling of ₹1 Crore. Interest Rate Safeguard: Capped strictly at the bank's lowest category tier, never exceeding (MCLR + 3% + Tenor Premium). Repayment Timeline: Amortized over a flexible duration of up to 7 Years. Operational Moratorium: Features an optional grace period of up to 18 Months to allow business stabilization before EMIs commence. Collateral Security Backing: Fully accessible without physical collateral through active integration with the Credit Guarantee Fund Scheme for Stand-Up India (CGSSI).

ELIGIBILITY & SHAREHOLDING COMPLIANCE

To successfully pass the onboarding filters, applicants must fulfill strict corporate guidelines:

Mandatory Shareholding & Age Criteria

For non-individual enterprises (such as Private Limited Companies, LLPs, or Partnership Firms), a strict minimum threshold of 51% of Equity Shareholding and Controlling Stake must be held continuously by an SC, ST, or Woman entrepreneur. The promoter's age must be a minimum of 18 Years with absolutely zero history of banking defaults.

Margin Money Amendment

The regulatory margin money constraint has been lowered to a maximum of 15%. This allows entrepreneurs to align with secondary state subsidies to effectively finance up to 100% of the total project outlay. STAND-UP INDIA SCHEME • STRATEGIC BOXED BRIEF Page 2 of 3

CRITICAL DOCUMENTATION AUDIT CHECKLIST

The following primary documentation must be completely prepared before initiating verification. Each critical asset must be pristine and up-to-date:

Mandatory Government Documents Audit

Personal KYC Credentials: Verified copy of an active Aadhaar Card, PAN Card, or valid International Passport. Caste & Status Attestation: Official, state-issued SC/ST Caste Certificate issued by an authorized revenue department registrar. Enterprise Licensing: Formal establishment proof alongside an active Udyam MSME Registration Certificate. Financial Feasibility Record: A professionally structured Detailed Project Report (DPR) featuring future balance sheet models, revenue break-evens, and cash flow projections. Banking Credit History: Certified, continuous records of 6 Months Bank Account Statements from all active personal and corporate clearings.

VERIFIED DIGITAL ONBOARDING PORTALS

Main Registration Portal (Stand-Up India Mitra)

https://www.standupmitra.in

National MSME Registration Framework (Udyam)

https://udyamregistration.gov.in

Integrated Government Credit Platform (Jan Samarth)

https://www.jansamarth.in STAND-UP INDIA SCHEME • STRATEGIC BOXED BRIEF Page 3 of 3