Lok Sabha Question No. 18 (UNSTARRED), answered on 2025-07-21
Subject: Stand-up India Scheme
Ministry: FINANCE
Asked by: Shri Ravindra Shukla Alias Ravi Kishan, Shri Anurag Sharma, Shri Narayan Tatu Rane, Shri Dilip Saikia, Shri Gajendra  Singh Patel, Smt. Himadri Singh, Shri Praveen Patel, Smt. Poonamben Hematbhai Maadam, Shri Vijay Kumar Dubey, Shri Dulu Mahato, Shri Bidyut Baran Mahato, Shri Navaskani K, Dr. Hemant Vishnu Savara, Shri Naba Charan Majhi, Shri Alok Sharma, Shri Pradeep Kumar Singh, Shri Chandan Chauhan, Shri Kripanath Mallah, Shri Vishweshwar Hegde Kageri, Shri Lumbaram Choudhary, Shri Govind Makthappa Karjol, Shri Suresh Kumar Kashyap, Shri Malaiyarasan D, Shri Vishnu Dayal Ram, Shri Captain Brijesh Chowta, Shri Godam Nagesh, Shri Madhavaneni Raghunandan Rao, Shri Bibhu Prasad Tarai, Shri Balabhadra Majhi, Shri Vishaldada Prakashbapu Patil, Shri Dineshbhai Makwana, Shri Chhatrapal Singh Gangwar, Shri Kanwar Singh Tanwar

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION No. 18

ANSWERED ON MONDAY 21 st      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, Statewise?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF FINANCE

## (SHRI PANKAJ CHAUDHARY)

(a) to (e) The Stand-up India Scheme was launched on 05 th 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 "                                                                                                          | 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 "                                                                                                          | 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 "                                                                                                          | 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 | 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 | 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 | 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 |
| S. No.                                                                                                                                                                                                                                             | State/ UT                                                                                                                                                                                                                                          | Growth in No. of loan Accounts                                                                                                                                                                                                                     | [Amount Rs. in Crore] Growth in Sanctioned Amount                                                                                                                                                                                                  |
| 1                                                                                                                                                                                                                                                  | ANDAMAN AND NICOBAR 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                                                                                                                                                                                                                                             |
| 8                                                                                                                                                                                                                                                  | THE DADRA AND NAGAR HAVELI 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                                                                                                                                                                                                                                            |

| Grand 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)

|    | State/ UT                                | SC (Incl. Women)   | SC (Incl. Women)   | ST (Incl. Women)   | ST (Incl. Women)   | Women      | Women           | [Amount Rs. in Crore]   | [Amount Rs. in Crore]   |
|----|------------------------------------------|--------------------|--------------------|--------------------|--------------------|------------|-----------------|-------------------------|-------------------------|
|    | State/ UT                                | No of A/Cs         | Sanctioned Amt.    | No of A/Cs         | Sanctioned Amt.    | No of A/Cs | Sanctioned Amt. | No of A/Cs              | Sanctioned Amt.         |
| 1  | ANDAMAN AND NICOBAR ISLANDS              | 39                 | 7.13               | 21                 | 6.07               | 339        | 68.59           | 399                     | 81.79                   |
| 2  | ANDHRA PRADESH                           | 4,274              | 1002.65            | 698                | 155.56             | 10,417     | 2343.28         | 15,389                  | 3501.5                  |
| 3  | ARUNACHAL 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                 |
| 8  | DADRA AND NAGAR HAVELI AND DAMAN 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                 |
| 13 | HIMACHAL PRADESH                         | 710                | 151.55             | 398                | 92.63              | 2,368      | 591.61          | 3,476                   | 835.79                  |
| 14 | JAMMU AND 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                    |
| 20 | MADHYA 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                  | 6131.94                 |

| 22          | 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 |
| 34          | UTTAR 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 | Grand Total                      | 52,902 | 11168.1  | 16,991 | 3612.84 | 205,398 | 48009.5  | 275,291 | 62790.5  |
| 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 |