What is PMEGP and who is eligible?

PMEGP (Prime Minister's Employment Generation Programme) provides subsidies of 15%–35% for new manufacturing and service units. Any Indian citizen above 18 years with a business plan can apply. NaavBharat provides end-to-end PMEGP application support.

What is the CGTMSE collateral requirement?

CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) provides collateral-free credit guarantees up to ₹5 Crore for MSMEs with Udyam registration. No collateral or third-party guarantee is required.

What are the Mudra loan limits?

Mudra loans are offered in four tiers: Shishu (up to ₹50,000), Kishore (₹50,001 to ₹5 Lakh), Tarun (₹5 Lakh to ₹10 Lakh), and Tarun Plus (₹10 Lakh to ₹20 Lakh). All tiers are collateral-free.

How does NaavBharat charge for its services?

NaavBharat operates on a success-linked advisory model with zero upfront fees. We charge only upon successful scheme disbursement. The initial eligibility consultation is completely free.

How long does PMEGP application processing take?

With complete documentation, PMEGP applications typically take 45–90 days from submission to sanction. NaavBharat's 98.6% approval rate is achieved through thorough pre-submission document review and bank coordination.

What documents are needed for CGTMSE?

CGTMSE requires Udyam Registration Certificate, business plan or project report, last 2 years ITR (if applicable), bank statements, KYC documents, and the loan application from a member lending institution (MLI).

Does NaavBharat help with GST registration and Udyam certification?

Yes. NaavBharat provides complete Certification services including GST registration, Udyam/MSME certification, FSSAI license, IEC (Import Export Code), trademark registration, and company incorporation for Pvt Ltd and LLP structures.

Can a woman who is also SC/ST apply under both categories?

Yes. A woman who belongs to SC/ST community satisfies both conditions and can be counted against either the SC/ST target or the Women target at the bank branch. This often increases the chances of approval.

Is Stand-Up India only for manufacturing?

No. Stand-Up India covers manufacturing, service sector, and trading activities. Agricultural and allied activities like dairy, fisheries, and poultry are also eligible.

What is the interest rate on Stand-Up India loans?

The interest rate is the lowest applicable rate of the bank for that category — not more than (base rate/MCLR + 3% + tenor premium). In practice, rates typically range from 8%–12% per annum.

Can an existing business apply for Stand-Up India?

No. Stand-Up India is specifically for greenfield enterprises — a first enterprise in that sector. Expansion of an existing business is not eligible.

SC/ST & Women OnlyUp to ₹1 CroreZero Collateral

Government Scheme Guide

What is Stand-Up India?Stand-Up India Scheme for SC/ST & Women Entrepreneurs

₹10 Lakh to ₹1 Crore Collateral-Free Loans for SC/ST & Women

₹1 Crore

Max Loan

₹10 Lakh

Min Loan

7 Years

Repayment Period

SC/ST + Women

Eligible Category

Overview

Stand-Up India — Explained

Stand-Up India is a scheme launched in 2016 to promote entrepreneurship among SC/ST communities and women. It facilitates bank loans between ₹10 Lakh and ₹1 Crore for setting up greenfield enterprises.

The scheme mandates that at least one SC/ST and one woman borrower per bank branch must be facilitated. Loans are covered under CGTMSE guarantee, making them collateral-free and accessible.

Stand-Up India covers all sectors — manufacturing, services, and trading. It is specifically for first-time entrepreneurs setting up a new enterprise, not for expansion of existing businesses.

Eligibility

Who Can Apply?

SC/ST borrower or Woman borrower (or any combination)
Above 18 years of age
For setting up a greenfield enterprise — first time in that sector
In case of non-individual enterprises: SC/ST / Women shareholding must be ≥ 51%
Borrower must not be in default to any bank or financial institution
Enterprise must be in manufacturing, services, or agri-allied/trading activities

Documents

Documents Required

Aadhaar Card & PAN Card

Mandatory

Caste Certificate (SC/ST)

From Tehsildar or competent authority

Detailed Project Report

NaavBharat prepares this for you

Premises Proof

Rent agreement or ownership documents

Bank Statement (6 months)

To demonstrate no existing defaults

Shareholding Documents

For companies/LLPs — SC/ST/Women 51%+ proof

Frequently Asked Questions

Stand-Up India — FAQs

Free Consultation

Want Help Applying for Stand-Up India?

NaavBharat offers a free eligibility check — our advisors match your business profile to the highest-value applicable schemes at no upfront cost.

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