Facilitating composite bank loans from ₹10 Lakhs to ₹1 Crore under Stand-Up India for SC, ST, and Women entrepreneurs setting up greenfield enterprises.
Every scheduled bank branch is mandated to fund at least one greenfield enterprise per category — we help you become that borrower.
Designed to bridge the credit gap for underrepresented business owners across commercial scheduled banks.
Covers both Term Loan (for purchasing plant, machinery, equipment, factory premises) and Working Capital (for inventory & operations).
Borrower equity is capped at only 15% of total project cost. The margin can be converged with eligible Central/State government capital subsidies.
Repayable in up to 7 years with an initial principal moratorium period of up to 18 months to allow your plant to stabilize commercial revenue.
Working capital limit up to ₹10 Lakhs is sanctioned by way of Overdraft with a RuPay Debit Card for direct cashless withdrawals and supplier settlements.
First-time venture in manufacturing, services, agri-allied activities (dairy, poultry, grading, cold chain), or the trading sector.
In case of non-individual enterprises (Pvt Ltd, LLP, Partnership), at least 51% of shareholding and controlling stake must be held by SC/ST and/or Women entrepreneurs.
From initial promoter validation to successful loan sanction across scheduled bank branches.
We verify corporate shareholding structures (>51% SC/ST/Woman equity), past banking records, and validate greenfield status of the venture.
We draft the comprehensive project report, machinery quotations, civil estimates, and projected profit & loss / balance sheet schedules.
We register and lodge the proposal on the official Stand-Up Mitra portal, routing the dossier directly to designated Lead District Managers (LDM).
We coordinate bank appraisal, ensure concessional interest rates are applied, and link the project to State margin money subsidies.
REXERA is an independent consultancy. We are not SIDBI, Stand-Up Mitra, or a lending bank. Loan sanctions under Stand-Up India are governed strictly by the lending criteria of Scheduled Commercial Banks and the Ministry of Finance guidelines.
Statutory requirements defined under Department of Financial Services (DFS) guidelines.
REXERA facilitates project planning, Handholding Agency coordination, and lead bank sanction.
REXERA structures and audits your promoter profile, credit appraisal, and greenfield business dossier for seamless bank sanction.
Aadhaar Card, PAN Card, passport photographs, and valid Caste Certificate (for SC/ST) or proof of 51%+ Women shareholding.
Udyam MSME Registration Certificate, Certificate of Incorporation / Registered Partnership Deed, MOA/AOA, and GST Registration.
Comprehensive project report with 7-year cash flow projections, debt service coverage ratio (DSCR), and working capital assessments.
Registered land title deed, NA order, registered industrial lease deed (≥ 7 years), and chartered engineer certified civil estimates.
Original signed proforma invoices from verified equipment OEMs with technical specifications matching project capacity.
State Pollution Control Board (SPCB) CTE/CTO clearances, municipal trade license, electricity connection sanction, and fire NOC.
Essential information regarding loan ticket sizes, borrower eligibility, and collateral backing under Stand-Up India.
Stand-Up India is specifically mandated for SC, ST, and Women entrepreneurs setting up a greenfield (first-time) enterprise in manufacturing, services, trading, or agri-allied activities. In non-individual enterprises, at least 51% of the shareholding and controlling stake must be held by an SC/ST or woman promoter.
Loans range from ₹10 Lakhs to ₹1.00 Crore, structured as a composite loan (combining Term Loan and Working Capital). The repayment tenure is up to 7 years with an 18-month moratorium period.
The scheme requires a minimum promoter contribution of up to 15% of the project cost. This margin money can be converged with eligible Central or State subsidy schemes (such as state capital grants) to minimize out-of-pocket promoter equity.
Loans under Stand-Up India are backed by primary hypothecation of assets financed (machinery, factory shed, inventory) and can be covered under the Credit Guarantee Scheme for Stand Up India (CGFSI) managed by NCGTC, eliminating the need for collateral real estate mortgage.
REXERA structures an institutional-grade Detailed Project Report (DPR), prepares bank CMA data with cash-flow feasibility models, lodges the file through Stand-Up Mitra with preferred lead commercial bank branches, and represents your file during bank credit committee reviews.
Connect with our senior debt syndication managers to structure your Stand-Up India proposal.
Bank loans ₹10L to ₹1 Cr for SC/ST and Women Entrepreneurs.
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