TMB Stand Up India Loan
Access inclusive, government-backed financial support designed to promote
entrepreneurship, create opportunities and strengthen economic participation across India
Credit support for new enterprises promoted by SC, ST or women entrepreneurs
Loan limits from 10 lakh to 1 crore for greenfield projects
Flexible structure with working capital and term loan options
Aligned with the Government of India's Stand-Up India initiative
Overview
The Stand-Up India Finance scheme offered through TMB supports first-time entrepreneurs from Scheduled Castes, Scheduled Tribes and women categories in establishing new enterprises
Product Highlights
Stand-Up India Finance provides loan assistance for new business ventures that require significant initial investment. Borrowers can access composite loans combining term loan and working capital elements, enabling smooth setup and operational readiness
Features and Benefits
Borrowers enjoy a loan structure that supports both asset creation and operational cash flow, ensuring comprehensive financial coverage for a new enterprise. The scheme promotes inclusion by offering accessible credit without complex collateral norms, supported by credit guarantee mechanisms as per the Stand-Up India guidelines
Eligibility
This loan is available to SC, ST and women entrepreneurs starting a new business venture in manufacturing, trading or service sectors. The enterprise must be a greenfield project, and the borrower must be a first-time entrepreneur
Eligibility & loan parameters
Empowering first-time entrepreneurs from SC/ST and Women-led enterprises
Stand Up India - Eligibility, Terms & Security
| Parameter | Details |
|---|---|
| Eligible Applicants | SC / ST and/or Women Entrepreneurs aged 18 years and above |
| Nature of Business | Greenfield projects only (first-time venture of the beneficiary) in Manufacturing / Services / Trading |
| Shareholding Condition (Non-individual entities) | Minimum 51% ownership and controlling stake must be held by SC / ST and/or Women Entrepreneur |
| Margin (Promoter Contribution) | 25% of project cost • If subsidy is availed under Central / State schemes, minimum promoter contribution: 10% |
| Repayment - Working Capital (OD / CC) | 1 year, renewable annually |
| Repayment - Term / Composite Loan | Maximum 7 years, excluding holiday period • Repayment holiday up to 18 months |
| Primary Security - Working Capital | Stocks and Receivables |
| Primary Security - Term Loan | Assets acquired / created out of the loan |
| Collateral - Loans up to ₹10 lakh | No collateral required • Covered under Credit Guarantee Scheme for Stand-Up India Loans (CGSSI) |
| Collateral - Loans above ₹10 lakh | Land / Building collateral of minimum 75% of loan amount OR CGSSI coverage |
| Special Note | No collateral shall be taken for loans fully covered under CGSSI |
Frequently Asked Questions
Find answers to the most common questions about eligibility, benefits, and
features of the TMB Royal Savings Bank Account
