Stand Up India Yojana 2026: ₹10 लाख से ₹1 करोड़ लोन, पात्रता और आवेदन

अपना खुद का बिज़नेस शुरू करने का सपना तो बहुत से लोग देखते हैं, लेकिन जब बात पैसों की आती है तो यह सपना अक्सर वहीं रुक जाता है। बैंक से बड़ा लोन लेना आसान नहीं होता, खास तौर पर उनके लिए जिनके पास गिरवी रखने के लिए बड़ी संपत्ति नहीं होती। भारत सरकार की Stand Up India Yojana अनुसूचित जाति (SC), अनुसूचित जनजाति (ST) और महिला उद्यमियों के लिए बनाई गई थी — मूल योजना (2016–मार्च 2025) के तहत बैंक ₹10 लाख से ₹1 करोड़ तक का लोन पहले बिज़नेस (greenfield enterprise) के लिए देते थे। जरूरी अपडेट: मूल योजना मार्च 2025 में समाप्त हो गई है, और सरकार ने ज़्यादा लोन सीमा के साथ इसका नया रूप (revamped version) लाने की घोषणा की है — आवेदन से पहले आधिकारिक पोर्टल पर मौजूदा स्थिति ज़रूर जांच लें। इस लेख में हम आसान भाषा में बताएंगे कि यह योजना क्या थी, इसमें कितना लोन मिलता था, कौन इसका फायदा उठा सकता था, किन कामों के लिए लोन मिलता था, और नए रूप का आपके लिए क्या मतलब है। यहां दी गई सारी जानकारी सरकारी स्रोतों — Press Information Bureau (PIB), Ministry of Finance और official Stand Up India portal — पर आधारित है।

Stand Up India Yojana kya hai?

Stand Up India Yojana ko Bharat Sarkar ne 5 April 2016 ko launch kiya tha. Iska mukhya uddeshya hai — mahilaon, Scheduled Caste (SC) aur Scheduled Tribe (ST) category ke logon me entrepreneurship ko badhava dena, taaki ve apna khud ka business shuru karke aarthik roop se saksham ban saken aur rozgar paida kar saken. Sarkar ne is scheme ki zaroorat isliye mehsoos ki kyunki in vargon ke udyamiyon ko business shuru karne, bank se loan lene aur aage badhne me aksar kai tarah ki mushkilon ka saamna karna padta hai. Stand Up India ka lakshya hai inhi mushkilon ko door karke ek aisa mahaul banana jahan har ichchhuk vyakti aasaani se apna enterprise khada kar sake.

शुरू में यह योजना कुछ सालों के लिए थी, लेकिन बाद में इसे 15वें वित्त आयोग की अवधि (2020-25) के पूरे समय के लिए बढ़ा दिया गया। मूल योजना मार्च 2025 में समाप्त हो गई। केंद्रीय बजट 2025-26 में वित्त मंत्री ने पांच लाख SC/ST पहली बार की महिला उद्यमियों के लिए ₹2 करोड़ तक के टर्म लोन वाली नई योजना की घोषणा की, और मार्च 2026 में उन्होंने पुष्टि की कि नीति आयोग से सलाह के बाद Stand Up India को बेहतर लाभों के साथ नए रूप में लाया जा रहा है — यानी ज़्यादा लोन सीमा वाला संशोधित संस्करण आने वाला है। चूंकि योजना अभी बदलाव के दौर में है, आवेदन से पहले आधिकारिक पोर्टल (standupmitra.in) या अपनी बैंक शाखा से मौजूदा स्थिति ज़रूर कन्फर्म कर लें। Scheme ke tahat desh bhar me saare Scheduled Commercial Banks ki branches se loan diya jaata hai. Sarkari aankdon ke mutabik, 21 March 2023 tak is scheme me ₹40,710 crore ke loan 1,80,636 accounts me sanction kiye ja chuke the. Inme se 1.44 lakh se zyada loan (₹33,152 crore) mahilaon ko, 26,889 loan (₹5,625 crore) SC category ko aur 8,960 loan (₹1,932 crore) ST category ko diye gaye. Ye aankde Press Information Bureau dwara jaari official fact sheet se liye gaye hain, aur ye batate hain ki scheme ka sabse bada fayda mahila udyamiyon tak pahuncha hai.

Kitna loan milta hai? (Loan amount aur shartein)

Stand Up India me ₹10 lakh se ₹1 crore tak ka bank loan milta hai. Scheme ka uddeshya hai ki har bank branch kam se kam ek SC/ST borrower aur kam se kam ek mahila borrower ko is range me loan de. Dhyaan rahe, ye “kam se kam” ka lakshya hai — iska matlab ye nahi ki ek branch sirf do hi loan degi; yogya aavedakon ko isse zyada loan bhi mil sakte hain.

Loan ki kuch khaas baatein jo sarkari ghoshnaon me batayi gayi hain:

Margin money: Budget 2021-22 me Finance Minister ki ghoshna ke baad borrower dwara laayi jaane wali margin money ko ‘up to 25%’ se ghatakar ‘up to 15%’ kar diya gaya. Lekin har haal me borrower ko project cost ka kam se kam 10% apne paas se (own contribution) lagana hoga. Iska matlab hai ki agar aapka project ₹50 lakh ka hai to aapko kam se kam ₹5 lakh apni jeb se lagane honge; baaki margin money ki zaroorat eligible Central/State schemes ke saath convergence se poori ki ja sakti hai.
Convergence: Scheme me Central aur State Sarkar ki yogya schemes ke saath convergence ka pravadhan hai, taaki subsidy ya margin money ki zaroorat poori ho sake.
Credit Guarantee: Bina collateral (girvi) ke loan coverage badhane ke liye Bharat Sarkar ne Credit Guarantee Fund for Stand Up India (CGFSI) banaya hai. Iska matlab hai ki yogya borrowers ko collateral ki kami ke kaaran loan se vanchit nahi hona padega — guarantee fund bankon ko suraksha deta hai.
Composite loan: Sarkari fact sheet me diye gaye udaharanon se pata chalta hai ki loan me term loan (machinery, equipment jaise sthaayi kharchon ke liye) aur working capital (roz ke kharchon ke liye) dono shaamil ho sakte hain. Udaaharan ke liye, Kerala ki ek udyami ko paper carton unit ke liye ₹75 lakh ka term loan aur ₹10 lakh ki working capital limit sanction hui thi.

Ek baat saaf samajh lein — loan ki exact interest rate aur repayment schedule bank apne niyamon ke hisaab se tay karta hai. Is article me hum sirf wahi daava kar rahe hain jo sarkari ghoshnaon me likha hai. Rate aur EMI ki pakki jaankari ke liye apni bank branch ya official portal se sampark karein.

Kaun apply kar sakta hai? (Eligibility criteria)

Stand Up India me loan ke liye yogya hone ki shartein sarkar ne bilkul saaf shabdon me batayi hain. Aaiye ek-ek karke samajhte hain:

1. Individual (vyaktigat) aavedak

Aavedak SC/ST category ka ho ya mahila udyami ho, aur uski umar 18 saal se zyada ho. Mahilaon ke liye category ki koi bandish nahi batayi gayi hai — scheme me “SC/ST and/or women” likha hai, yaani mahila kisi bhi category ki ho sakti hain.
Loan sirf greenfield projects ke liye milta hai. Greenfield ka matlab hai — beneficiary ka pehla venture, jo manufacturing, services ya trading sector ya agriculture se jude kaamon me ho. Pehle se chal rahe business ko badhane (expansion) ke liye ye loan nahi milta.
Aavedak kisi bhi bank ya financial institution ka defaulter nahi hona chahiye.

2. Non-individual enterprises (company, partnership, LLP)

Agar aap company, partnership firm ya LLP ke roop me apply kar rahe hain, to 51% shareholding aur controlling stake SC/ST aur/ya mahila udyami ke paas hona zaroori hai. Iske saath greenfield aur no-default wali shartein yahan bhi lagu hongi.

3. Kaun eligible nahi hai?

Sarkari eligibility list me sirf SC/ST aur/ya mahila udyami shaamil hain, isliye general category ke purush aavedak is scheme me yogya nahi hain. Isi tarah, jo log pehle se business chala rahe hain aur use expand karna chahte hain, ve bhi isme apply nahi kar sakte kyunki scheme sirf pehle (greenfield) venture ke liye hai. Aur jaisa upar bataya, loan defaulter bhi eligible nahi hain.

Kin kaamon ke liye loan milega? (Eligible sectors)

Scheme ke tehat loan manufacturing, services ya trading sector me greenfield enterprise shuru karne ke liye milta hai. Iske alawa activities allied to agriculture (kheti se jude sahayak kaam) bhi cover hote hain. Sarkari ghoshna me inke kuch udaharan diye gaye hain:

Manufacturing: kapda/textile unit, food processing, handicraft, plastic ya auto parts banana, embroidery machine lagakar production unit — jaise Surat ki ek mahila udyami ne embroidery machines ke liye loan liya tha.
Services: IT services, healthcare, hospitality, tourism, education, consultancy jaise seva-kshetra ke business.
Trading: retail ya wholesale trading ka naya business.
Agriculture se jude kaam: pisciculture (machhli palan), beekeeping (madhumakkhi palan), poultry, livestock (pashupalan), dairy, fishery, grading-sorting-aggregation agro industries, agriclinic aur agribusiness centers, food aur agro-processing aadi.

Kya cover nahi hota: Sarkar ne saaf kiya hai ki crop loans (fasal loan) aur land improvement jaise kaam (canal, sinchai, kuan) is scheme me eligible nahi hain. Matlab seedhi kheti ke liye fasal loan nahi milega, lekin kheti se jude upar bataye gaye sahayak business ke liye loan mil sakta hai.

Documents: bank kya verify karega?

Sarkar ne koi single official documents checklist jaari nahi ki hai — exact list aapki bank branch ya portal par application ke samay batayi jaayegi. Lekin eligibility ki sharton se ye saaf hai ki bank in baaton ko verify karega, isliye ye documents taiyaar rakhein:

Pehchaan aur umar ka proof — kyunki aavedak ka 18 saal se zyada umar ka hona zaroori hai (Aadhaar card, PAN card jaise ID proofs).
Category proof — SC/ST category ke aavedakon ke liye caste certificate, taaki category verify ho sake.
Business ka project report — kyunki loan kisi khaas greenfield project ke liye milta hai, isliye aapko apne planned business ka project report/business plan dena hoga jisme cost, machinery, working capital aur expected income ka byora ho.
Non-defaulter status — bank khud aapka credit record check karega; aap pehle se defaulter nahi hone chahiye.
Company/partnership ke case me 51% shareholding aur controlling stake ke kagzaat.

Yaad rakhein — alag-alag bank thode alag documents maang sakte hain, isliye apply karne se pehle apni branch se list zaroor confirm kar lein.

Apply kaise karein? (Official process)

Sarkari ghoshna ke mutabik Stand Up India ka loan teen tarikon se liya ja sakta hai:

1. Seedha bank branch me: Apne nazdeeki Scheduled Commercial Bank ki branch me jaakar Stand Up India ke tehat loan ke liye apply karein.
2. Official portal se: www.standupmitra.in par online apply kiya ja sakta hai. Ye portal Small Industries Development Bank of India (SIDBI) ne Stand Up India ke liye banaya hai.
3. Lead District Manager (LDM) ke through: Apne jile ke LDM se sampark karke bhi application aage badhayi ja sakti hai.

Handholding support — scheme ki khaas baat: Sirf loan dilana hi nahi, scheme me handholding support ka bhi pravadhan hai. standupmitra.in portal par aavedakon ko business shuru karne me training se lekar bank ke niyamon ke hisaab se loan application bharne tak step-by-step guidance milti hai. Iske liye 8,000 se zyada Hand Holding Agencies ka network hai, jo Skilling Centres, Mentorship support, Entrepreneurship Development Program Centres aur District Industries Centre jaise agencies se jodta hai — pate aur contact number ke saath. Matlab agar aapko business plan banana nahi aata ya form bharne me dikkat hai, to ye agencies aapki madad karengi.

Aasaan steps me samjhein: (1) Tay karein ki kaunsa business shuru karna hai — greenfield hona chahiye. (2) Uska project report taiyaar karein (handholding agency se madad le sakte hain). (3) Upar diye teen tarikon me se kisi ek se apply karein. (4) Bank aapke project ka assessment karega aur yogya paaye jaane par loan sanction karega.

Sarkari fact sheet me diye gaye kuch udaharan

PIB dwara jaari official fact sheet (April 2023) me kuch safal borrowers ke udaharan diye gaye hain, jo batate hain ki scheme ka istemal kaise hota hai:

Event catering business: Hyderabad ki ek mahila udyami ne Andhra Bank ki Charminar branch se judkar shaadi-functionon ke liye kursi-bartan supply ka business shuru karne ke liye term loan aur working capital liya.
Embroidery unit: Surat ki Smt. Sonalben Rupara ne Stand Up India portal par online apply kiya aur embroidery machines ke liye ₹39 lakh ka term loan liya; ve apni unit safaltapurvak chala rahi hain aur 5 se 8 logon ko rozgar de rahi hain.
Paper carton manufacturing: Kerala ki Mrs. Suma K. T. ko Bank of Baroda se ₹75 lakh ka term loan aur ₹10 lakh ki working capital limit mili, jisse unhone apni unit me aadhunik laser cutting machines lagayin.

Ye udaharan sarkari fact sheet se liye gaye hain aur ye dikhate hain ki chhote se lekar bade projecton tak — sab ke liye scheme me jagah hai.

Official links

Stand Up India official portal: www.standupmitra.in — online application aur handholding support ke liye (SIDBI dwara vikasit).
PIB press release (Ministry of Finance): scheme ki features, eligibility aur achievements ki official jaankari.

Kisi bhi yojana ki latest sthiti ke liye hamesha official portal ya apni bank branch se confirm karein — teesre paksh ki websites par di gayi jaankari par aankh band karke bharosa na karein.

FAQ — Aksar puche jaane wale sawaal

1. Stand Up India me kitna loan milta hai?

Sarkari ghoshna ke mutabik ₹10 lakh se ₹1 crore tak ka bank loan milta hai. Scheme ka lakshya hai ki har bank branch kam se kam ek SC/ST borrower aur kam se kam ek mahila borrower ko is range me loan de.

2. Kaun is scheme me apply kar sakta hai?

SC/ST category ke udyami aur/ya mahila udyami, jinki umar 18 saal se zyada ho. Business pehla venture (greenfield) hona chahiye — manufacturing, services, trading ya agriculture se jude kshetron me. Aavedak kisi bank ka defaulter nahi hona chahiye. Company ya partnership ke case me 51% shareholding aur controlling stake SC/ST aur/ya mahila ke paas hona zaroori hai.

3. Kya pehle se chal rahe business ke liye loan milega?

Nahi. Scheme sirf greenfield projects ke liye hai, yaani beneficiary ka pehla venture. Existing business ke expansion ke liye ye loan nahi milta.

4. Margin money kitna dena hoga?

Borrower ko project cost ka kam se kam 10% apne paas se lagana hoga. Kul margin money up to 15% tak ho sakti hai, jise eligible Central/State schemes ke saath convergence se poora kiya ja sakta hai. (Budget 2021-22 me ise 25% se ghatakar 15% kiya gaya tha.)

5. Apply karne ke kitne tarike hain?

Teen tarike: (1) seedha bank branch me jaakar, (2) official portal www.standupmitra.in par online, (3) apne jile ke Lead District Manager (LDM) ke through. Portal par 8,000 se zyada handholding agencies training se lekar application bharne tak madad karti hain.

एक निजी सूचना पोर्टल (सरकारी वेबसाइट नहीं)