Business loan by type
Business Loan for Startups.
Traditional bank lending wants operating history — government schemes like Stand-Up India specifically target new ventures instead.
- Principal amount
- ₹10,00,000
- Total interest
- ₹3,34,640
- Total amount
- ₹13,34,640
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹1,55,283 | ₹1,11,645 | ₹8,44,715 |
| 2 | ₹1,74,979 | ₹91,949 | ₹6,69,737 |
| 3 | ₹1,97,171 | ₹69,757 | ₹4,72,567 |
| 4 | ₹2,22,177 | ₹44,751 | ₹2,50,390 |
| 5 | ₹2,50,353 | ₹16,575 | ₹37 |
Stand-Up India and other startup schemes
Stand-Up India offers ₹10 lakh to ₹1 crore for new ventures, with at least one loan per bank branch reserved for a woman or SC/ST entrepreneur. PMEGP offers subsidized loans for new micro-enterprises, and CGTMSE's collateral-free guarantee can make banks more willing to lend even without existing revenue, provided your project plan is credible.
Frequently asked questions
Can a brand-new startup with no revenue history get a business loan?
It's difficult through traditional bank lending, which typically wants at least some operating history — but government schemes like Stand-Up India specifically target new ventures, offering ₹10 lakh to ₹1 crore, with at least one loan per bank branch reserved for women or SC/ST entrepreneurs.
What does a startup need to apply for a Stand-Up India loan?
A clear business/project plan, Udyam registration, standard KYC, and margin money — typically your own contribution of 15-35% of the total project cost — alongside meeting the scheme's specific applicant eligibility criteria.
Are there other funding options besides a bank loan for a very early-stage startup?
Yes — PMEGP (Prime Minister's Employment Generation Programme) offers subsidized loans for new micro-enterprises, and CGTMSE's collateral-free guarantee cover can make banks more willing to lend to a new business without existing revenue, provided the project plan is credible.