Stand Up India Loan Calculator — EMI, Eligibility & Margin Funding
Calculate your Stand Up India loan EMI with 18-month moratorium, check eligibility for SC/ST and women entrepreneurs, and plan margin funding through PMEGP convergence. Loans from ₹10,00,000 to ₹1,00,00,000 for greenfield enterprises in manufacturing, services, trading, and agriculture-allied sectors. Based on Stand Up India scheme guidelines, FY 2025-26.
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How to Use This Calculator
Loan EMI tab
Enter your Stand Up India loan amount (₹10 lakh to ₹1 crore), interest rate, total tenure, and moratorium period. The calculator shows your interest-only payment during moratorium, then the regular EMI for the remaining period, total interest, total payment, and a year-wise amortisation breakdown showing which months are moratorium vs regular EMI.
Eligibility Check tab
Select your category (SC/ST/woman), enterprise type (manufacturing/services/trading/agriculture-allied), whether this is a greenfield enterprise, and whether you are a first-time entrepreneur. The calculator instantly tells you if you qualify, lists the reasons, and provides step-by-step guidance on how to apply — including which bank branch to approach and how to use standupmitra.in.
Margin Funding tab
Enter your loan amount and available subsidies (PMEGP percentage, state scheme percentage). The calculator computes the total project cost, the 25% margin money required, how much is covered by subsidies, and your effective own contribution. It also lists convergence schemes like PMEGP, MUDRA, and state MSME policies that can reduce or eliminate your out-of-pocket margin.
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The Formula
Stand Up India EMI has two phases: moratorium (interest-only) and regular EMI (principal + interest on reducing balance).
Monthly payment = P × r
Where:
P = Principal loan amount
r = Monthly interest rate = Annual rate / 12 / 100
Phase 2: Regular EMI (after moratorium)
EMI = P × r × (1 + r)n / ((1 + r)n − 1)
Where:
P = Principal (full amount — no principal is repaid during moratorium)
r = Monthly interest rate
n = Remaining months = Total tenure months − Moratorium months
Example: ₹50,00,000 at 11% for 7 years with 18-month moratorium
r = 11 / 12 / 100 = 0.009167
Moratorium (18 months):
Monthly interest = 50,00,000 × 0.009167 = ₹45,833/month
Total moratorium interest = ₹45,833 × 18 = ₹8,25,000
Regular EMI (66 months = 84 − 18):
EMI = 50,00,000 × 0.009167 × (1.009167)66 / ((1.009167)66 − 1)
EMI = ₹97,085/month
Total regular payments = ₹97,085 × 66 = ₹64,07,610
Total interest = ₹8,25,000 + (₹64,07,610 − ₹50,00,000) = ₹22,32,610
Total payment = ₹8,25,000 + ₹64,07,610 = ₹72,32,610
During moratorium, you pay only interest — the full principal remains outstanding. After moratorium, the standard reducing balance EMI formula kicks in. This two-phase structure gives new enterprises 18 months to generate revenue before the higher EMI begins.
Example
Sunita — woman entrepreneur setting up a manufacturing unit in Pune
Sunita, a woman entrepreneur, wants to set up a small garment manufacturing unit. She applies for a Stand Up India loan of ₹50 lakh with a 7-year repayment period and 18-month moratorium.
Sunita's project cost is ₹66.67 lakh (loan ₹50L = 75%, margin ₹16.67L = 25%). With PMEGP subsidy of 25% (urban woman), she gets ₹16.67L subsidy — her own contribution becomes ₹0. She effectively gets the full project funded through Stand Up India + PMEGP convergence.
Stand Up India Eligibility Criteria
Eligibility at a glance ▼
| Criterion | Requirement |
|---|---|
| Borrower category | SC, ST, or woman entrepreneur |
| Enterprise type | Greenfield (new) enterprise only — not expansion |
| Sectors | Manufacturing, services, trading, agriculture-allied |
| Loan range | ₹10,00,000 to ₹1,00,00,000 (₹10L to ₹1Cr) |
| Interest rate | Base rate + 3% + tenor premium (typical: 10–12% p.a.) |
| Repayment period | Up to 7 years (including moratorium) |
| Moratorium | Up to 18 months (interest-only payments) |
| Margin money | 25% (can be met via PMEGP/state scheme convergence) |
| Collateral | No additional collateral — assets created from loan serve as security |
| Loan type | Composite loan (term loan + working capital) |
| Bank mandate | At least 1 SC/ST and 1 woman per bank branch |
| Apply via | standupmitra.in (SIDBI) or any bank branch |
FAQ
- SC/ST and women (urban): 25% subsidy on project cost
- SC/ST and women (rural): 35% subsidy on project cost
- General category (urban): 15% subsidy
- General category (rural): 25% subsidy
- Loan amount: Stand Up India: ₹10L–₹1Cr; MUDRA: up to ₹10L
- Eligibility: Stand Up India: only SC/ST/women; MUDRA: any Indian citizen
- Enterprise type: Stand Up India: greenfield only; MUDRA: new or existing
- Moratorium: Stand Up India: up to 18 months; MUDRA: none
- Margin: Stand Up India: 25%; MUDRA: no margin requirement
- Collateral: Both do not require additional collateral
- Any scheduled commercial bank branch — each branch is mandated to give at least 1 SC/ST and 1 woman loan
- standupmitra.in — the official SIDBI portal for Stand Up India, connecting borrowers with banks and handholding agencies
Documents typically required:
- Aadhaar card + PAN card (KYC)
- Caste certificate from competent authority (for SC/ST)
- Detailed project report with cost estimates
- Proof of business premises (lease agreement / ownership)
- Proof of 25% margin money (or convergence with PMEGP/state subsidy)
- Photographs, address proof, bank account details