The objective of the Deen Dayal Upadhyaya Swalamban Yojana scheme is to facilitate
bank loans between Rs 10 lakh and Rs 1 Crore for setting up greenfield enterprises. This
enterprises should be in (i) Value addition in agriculture, horticulture and allied sectors,
(ii) Eco-tourism including home stays and tour operators, (iii) Tradition Textile
Weaving – modernization/ purchase of new looms and (iv) Small scale manufacturing
units. Priority would be given to qualified graduates. In case of non-individual
enterprises at least 51% of the shareholding and controlling stake should be held by
either an APST entrepreneur.

APST entrepreneurs setting up new enterprises are eligible for availing loans under
Deen Dayal Upadhyaya Swalamban Yojana

The loan under Swalamban Yojana can be availed from a branch of any Scheduled
Commercial Banks located across the state.
Composite loan (inclusive of term loan and working capital) between Rs 10 lakh and
upto Rs 100 lakh representing upto 75% of the project cost would be eligible.

The rate of interest would be lowest applicable rate of the bank for that category (rating
category) not to exceed (base rate (MCLR) + 3%+ tenor premium).

(i) 30% back ended capital investment subsidy.
(ii) Women entrepreneurs will get additional 5% interest subvention annually, but the
loan must not become NPA.

For example, if an entrepreneur takes loan of Rs. 10.0 lakh, the subsidy amount of Rs.
3.0 lakh will be adjusted towards repayment of last loan installments. Clearly timely
repayment of loans is a crucial parameter for availing subsidy

Suppose bank charges an interest of 12% on the loan availed by the entrepreneur under
‘Swalamban Scheme’, the women beneficiary will get loan at 7% interest rate of interest
which will be in addition to Rs. 3.0 lakh of capital subsidy on a loan of Rs 10.0 lakhs

Entrepreneurs would be required to contribute at least 10% of the project cost as margin
money/ their contribution. Preference will be given to those who will contribute greater
contribution.

For loans below Rs. 10.0 lakh, banks are already lending under their existing schemes.
Further, MUDRA Ltd. also operates 3 schemes namely Shishu/kishor/Tarun through
banks for loan upto Rs 10.00 lakh. Please visit www.mudra.org.in for further details.

In addition to mortgage/hypothecation of Primary Asset acquired out of loan, the loan
may also be secured by collateral security or guarantee of Credit Guarantee Scheme for
Stand-Up India Loans (CGSSI) as decided by the banks.

The repayment period of the composite loan is to be fixed depending upon nature of the
activity and useful life of assets purchased with bank loan but not to exceed 7 years with
a maximum repayment grace period of 18 months.

Eligibility – Stand-Up India Loans of over 10 lakh and upto 100 lakh extended by
eligible Lending Institution(s) to an eligible borrower on or after entering into an
agreement with National Credit Guarantee Trustee Company (NCGTC).
 Guarantee Fee – Annual Guarantee Fee (AGF) of 0.85% p.a. on the credit facility
sanctioned (comprising term loan and / or working capital facility).
 Guarantee Fee shall be paid upfront to the Trust by the eligible institution availing of
the guarantee and to be shared equally between bank and the borrower.

Apart from linking prospective borrowers to banks for loans , the web portal designed by
SIDBI for Stand-Up India Scheme also provides handholding support through a
network of agencies engaged in training, skill development, mentoring, project report
preparation, application filling, work shed/utility support services, subsidy schemes etc.

One may navigate through the portal www.standupmitra.in or seek assistance from
connect centre (preferably NABARD & SIDBI) nearest to you to help you identify the nature of handholding support required. Broadly handholding support has been
segregated in 7 areas of expertise viz. Skilling (Vocational), Financial Literacy training,
Entrepreneurship Development Program, Mentoring, Project Report Preparation, Loan
Application filling, Work sheds from DICs and Margin Money for Subsidy Support.
Government of India has also launched a portal startupindia.gov.in to provide
information and support start ups.

No, only value addition activities aimed at setting up an unit under Agri-Horti & allied
activities are eligible.

Banks will scrutinize the proposals as per their prescribed norms.
• Banks to help applicants in filling up of loan application form prescribed by the
respective banks.
• Banks to sanction loan to eligible and viable projects and entrepreneurs within a
reasonable time from date of receipt of application from SLC. Banks will get
CGFT coverage for each a/c.
• Banks will submit subsidy claim to NABARD in prescribed format along with
copy of sanction letter and In-principle subsidy approval letter of SLSC.

All Deputy Commissioners have been issued detailed guidelines and now individuals can
apply to DC’s office. The SLC meeting will be convened by Finance Commissioner on the first Monday of each month to consider new proposals and review sanction status of old
proposals

A model DPR format can be downloaded by visiting
http://www.itanagar.nic.in/scheme.html

Any Scheduled Commercial Banks like – SBI, ICICI, HDFC, Canara bank, Central bank
of India, Union bank of India, Vijaya bank & Bank of India etc.

Which bank will give me the loan?