Papers

Stand-Up India documents: what to prepare for the bank

स्टैंड-अप इंडिया दस्तावेज़: बैंक के लिए क्या तैयार रखें

There is no single national document list for Stand-Up India. Each bank sets its own checklist, and the scheme guidelines say borrowers must “arrange/provide requisite documentation as required by the bank branch”. What every bank needs, though, is proof that you meet each scheme rule and that your project can repay the loan. This page maps the documents to those rules, so you can build a complete file before you visit the branch or apply on standupmitra.in.

Always ask your chosen bank for its own checklist, and follow it if it differs from this one.

How banks decide the document list

A Stand-Up India application has to prove three things:

1. You are eligible. You are a woman, SC or ST entrepreneur above 18. The venture is your first, and for a firm, SC/ST/women hold 51% and control.
2. The project is viable. The cost, sales and repayment plan make sense.
3. The money adds up. You have at least 10% of the project cost yourself, and the rest of the margin is arranged.

The bank also checks your identity and address under its own know-your-customer rules, and your credit history, because the scheme requires that you are not in default to any bank.

Checklist mapped to each rule

Rules: scheme features; scheme guidelines.

Proof of category: SC, ST or woman

If you apply as an SC or ST entrepreneur, the bank will ask for a caste or tribe certificate issued by the competent authority in your state. Make sure the name on it matches your other identity documents. If it does not, for example after marriage, carry supporting documents for the change.

If you apply as a woman entrepreneur, your identity documents establish this. No separate certificate is needed for gender.

Proof of ownership for firms

For a company, LLP or partnership, the bank needs to see that SC/ST and/or women entrepreneurs hold at least 51% of the shares and the controlling stake. Typical papers are:

• the partnership deed or LLP agreement, showing profit-sharing ratios and who manages the firm
• for a company, the memorandum and articles of association, the shareholding pattern and the list of directors
• a board resolution or authority letter naming who signs for the firm

The document should make control clear. Shareholding alone is not enough if someone outside the eligible group runs the business.

Project report and cost estimates

The project report, often called a DPR, is the heart of the application. It should cover:

• what you will make, sell or provide, and to whom
• the location, premises and any utilities needed
• the full project cost: machinery, equipment, furniture, setup and working capital
• how the cost is funded: bank loan, own contribution and other support
• sales and cost estimates for at least the repayment period
• the repayment schedule after the moratorium

For composite loans up to ₹25 lakh, the bankers’ FAQ says a separate techno-economic viability report may not be insisted on. A clear project report is still needed.

Proof of your own contribution and any subsidy

You must bring at least 10% of the project cost yourself. Show where it comes from, for example savings in a bank account, a fixed deposit or family funds. If part of the margin comes from another scheme, attach its sanction letter. Read loan amount and margin money for how the 10% and 15% rules work.

Premises, licences and registrations

Banks want to know where the business will run. Carry the ownership document or a rent or lease agreement for the premises. Depending on your activity, you may also need registrations such as Udyam registration, GST registration, a trade licence, a food safety licence or a pollution consent. Ask the District Industries Centre which ones apply to your business.

Help preparing the project report

You do not have to do this alone. Stand-Up India’s handholding support covers project report preparation and loan application filling.

Source: scheme guidelines. See handholding support and the LDM.

Common gaps that slow an application

• Quotations without supplier details. Use dated quotations on the supplier’s letterhead, with GST details where they apply.
• Own contribution not visible. Keep your 10% in a bank account in your name or the firm’s name, so the bank can see it.
• Name mismatches. The same spelling of your name on every document avoids repeated queries.
• Unsigned firm documents. Partnership deeds and resolutions should be signed and, where required, registered.
• Old credit issues. Bring no-dues letters for any loan or card you have closed.

Before you go to the branch, arrange the documents in checklist order and carry one set of photocopies along with the originals for checking.

What not to share

Give your documents only to the bank branch, on the official portal, or to an official handholding agency you have chosen. Never share OTPs, passwords or card PINs with anyone, including people who say they are bank or government staff.

Printable checklist

• Identity proof, address proof, photographs
• SC/ST certificate (if applying in that category)
• Firm documents and shareholding (if not an individual)
• Project report
• Quotations for machinery and equipment
• Proof of own contribution (at least 10%)
• Sanction letter for any subsidy or margin-money support
• Premises papers
• Licences and registrations for the activity
• No-dues letters for any closed loans
• Bank statements for the last few months

FAQ

What documents are required for a Stand-Up India loan? Identity and address proof, category proof (SC/ST certificate if applicable), firm documents for non-individuals, a project report, quotations, proof of own contribution and premises papers. Your bank’s checklist is final.

Is a project report mandatory? Banks need a project report to appraise the loan. For loans up to ₹25 lakh, a separate techno-economic viability report may not be insisted on.

Is a caste certificate needed? Only if you apply as an SC or ST entrepreneur. Women apply on gender, without a caste certificate.

Do I need Udyam registration before applying? Ask your bank whether it needs Udyam registration before applying or only after sanction.

Can I upload documents later? On the portal, yes. You can add documents after submitting the application. See how to apply.

Back to the Stand-Up India overview.

Last reviewed: 12 November 2026.