About Standup India - darpg.gov.in India - Best... · Hyderabad, Telangana Indore, Madhya Pradesh...

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About Standup India Best practices undertaken in

Burhanpur, Madhya Pradesh Chirang, Assam Hyderabad, Telangana Indore, Madhya Pradesh Jorhat, Assam Kullu, Himachal Pradesh Nicobar, Andaman & Nicobar Islands North and Middle Andaman, Andaman &

Nicobar Islands Raipur, Chhattigarh Shahdara, Delhi Ujjain, Madhya Pradesh

Standup India aims to empower every Indian and enable them tostand on their own feet. The programme recongnizes thechallenges faced by Scheduled Caste (SC), Scheduled Tribe (ST)and women entrepreneurs in setting up enterprises, obtaining loansand other support needed from time to time for succeeding inbusiness. The programme, therefore, endeavours to create anecosystem which facilitates and continues to provide a supportiveenvironment for doing business. The objective of the Stand-UpIndia scheme is to facilitate bank loans between INR 10 lakh andINR 1 Crore to at least one SC or ST borrower and at least onewoman borrower per bank branch without collateral for setting up aGreenfield enterprise.The focus areas, with regards to implementation of Standup India,are listed below. Increasing number of loans sanctioned and disbursed by

Scheduled Commercial Bank (SCB) branches in the district towomen and SC/ST entrepreneurs

Increasing and addressing the requests by potential borrowersmade on the Stand up Mitra portal

Connecting requests of potential borrowers to the righthandholding entities

Hand holding events organized subsequent to sanction of loans Converging Standup India with existing schemes of

Government of India or State Government Adopting innovative methods for implementation of scheme Ensuring transparency and accountability in implementation of

the scheme

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Executive Summary

Burhanpur, Madhya Pradesh (Standup India) Background/ Initiatives Undertaken• District has taken measures to converge Standup India with other

schemes of State Government such as MMYUY, PMEGP & MSMEProtsahan Yojna to ensure that women and SC/ST are benefittedfrom these schemes

• District has used technology such as web-portals, social media,electronic and print media for effective implementation of theprogramme

• Clear timelines have been defined in Lok Seva Guarantee Act 2010of Madhya Pradesh, to ensure timely disposal of applications

• District has involved Panchayti Raj Institutions/ Local SelfGovernment to spread awareness about the programme throughseminar, workshops, campaigns, media coverage etc.

• District has also organized training programs for development ofEntrepreneurship at RSETI & CEDMAP and meetings withRotarians at Engineering/Polytechnic Colleges to spread awarenessabout the scheme

• District Collector, LDM, GM-DIC & other officials visit the unitsfinanced under the scheme regularly after disbursement of loan toknow the challenges faced by them and for monitoring purpose

• District has successfully organized Swarojgar and Bank Loan Melaat 4 locations which witnessed participation of Honorable CabinetMinister, Local MLA’s, Janpad Adhayaksha, Zila Panchayat Sadasya,Bankers, 500+ beneficiaries, among others

Key Achievements/ Impact

• Out of 53 bank branches in the District, 13 branches havesanctioned loans under the scheme

• In the District, loans have been sanctioned/ disbursed to 27 units, ofwhich 15 are manufacturing units, 09 are services units and 03 aretrading units

• Proposals of 8 units are under evaluation for sanction of loan underStandup India

BackgroundBurhanpur district, situated on the north bank of the Tapti River, has53 scheduled commercial bank branches.

Approach AdoptedThe district has adopted easy processes in considering theapplications of Women/SC/ST at sponsoring agency level and atbank branch level. The application is examined by a Task ForceCommittee of the district. Thereafter, it is sent by the District Officeto concerned banks who undertake an interview of the beneficiaryfollowed by physical visit. CIBIL screening and market enquiries aredone to assist the beneficiary in preparing DPR of the project (if thesame is above 50 lakhs). Thereafter, the KYC application is filledup. After 30 days of application, the loan is sanctioned anddisbursal is done within a period of 45-60 days.

District Magistrate, Lead District Manager, GMDIC & other officialsvisit the units financed under the programme regularly to know thechallenges faced by them. The district embraced State Governmentpolicies for tax relaxation and other facilities. Under the programme,banks maintains transparency for early disposal of applications..…….

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Awareness Generation

Handholding SupportThe district has set up dedicated portals providing end to endservices across the district and beyond. “Jansunvayi”, a forum heldevery Tuesday from 11 A.M. to 1 P.M. allows applicants to raise anyqueries/issues faced after sanctioning of loan. Besides, there is aCM’s helpline, wherein beneficiaries can directly interact with CM’sOffice for query resolution. Applications can be made through eitherof www.mponline.gov.in, www.kvionline.gov.in andwww.mpmsme.gov.in portals.

Awareness GenerationThe district has involved Panchayti Raj Institutions (PRI)/ Local SelfGovernment to generate awareness about the programme.Seminars and workshops are also conducted at various locations ofthe district. Banks helped in publicizing the scheme by distributionof pamphlets. Training programs were arranged for development ofEntrepreneurship and Digital India at Rural Self EmploymentTraining Institutes (RSETI) & Centre for EntrepreneurshipDevelopment Madhya Pradesh(CEDMAP). Meetings were alsoconducted with Rotarians at Engineering/Polytechnic College.Swarojgar Sammelan and Bank loan mela were organized at 4locations, which witnessed participation of Honorable CabinetMinister, Local MLA’s, Janpad Adhayaksha, Zila PanchayatSadasya, Bankers, 500+ beneficiaries, among others. The districthas used MPonline government website, MSME website, electronic& print media, district website and social media like Facebook,WhatsApp etc. for successful implementation of the program. 15Task force Committee meetings and 5 District level CoordinationCommittee meetings were organized in the presence of publicrepresentatives.

Convergence with other SchemesStandup India program in Burhanpur has been interlinked withMukhyamantri Yuva Udyami Yojana (MMYUY), Prime MinisterEmployment Generation Programme (PMEGP), MSME andMukhya Mantri Sadak Yojana (MMSY).

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http://www.mponline.gov.in/

http://www.kvionline.gov.in/

http://www.mpmsme.gov.in/

Key Contact:

Mr. Deepak Singh

District CollectorBurhanpurGovernment of Madhya PradeshEmail: [email protected]: +91 7325241000Mobile: +91 9425179704

Impact

Under the programme, 13 bank branches have sanctioned loans toSC/ST and women entrepreneurs. In the District, loans have beensanctioned/ disbursed to 27 units, of which 15 are manufacturingunits, 09 are services units and 03 are trading units. Proposals of 8units are under evaluation for sanction of loan under Standup India.

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Executive Summary

Chirang, Assam (Standup India)

Background/ Initiatives Undertaken

• During the period 1/4/16 to 31/12/16, the bank branches in the District were not reflected on the Standup Mitra Portal and hence applications were taken offline

• Financial Literacy Camp (FLC) is organized in every village to help create awareness and publicity on Standup India scheme

• As part of the FLC Camp, information is also provided on key aspects such as development of entrepreneurship skills, repayment of the loans and various Govt. Social Security Programs

• Bank branches of the district are displaying details of Standup India on their Notice Board.


• Out of the 13 bank branches, 4 branches have given out 7 loansunder Standup India

• 5 SC/ST and 2 women were provided loans as part of the scheme

BackgroundChirang district has 13 scheduled commercial bank branches.Currently, there are only 118 registered industrial units in Chirangdistrict.

Approach AdoptedAwareness GenerationAs part of Standup India programme, all the bank branches displayimportant details on their notice board. Financial Literacy and CreditCounseling (FLC) Camps are organized in every village to helpcreate awareness and publicity on Standup India. Main topic ofdiscussion in these camps includes need for development ofentrepreneurship, skill development, recovery of loans andinformation on various Government social security schemes.

ImpactUnder the programme, 4 bank branches have sanctioned loans to 5SC/ST and 2 women entrepreneurs.

Standup India

Key Contact:

Mr. Binod Kumar Deka

Deputy Commissioner, Chirang, Government of AssamEmail: [email protected]: +91 3664241992Mobile: +91 7086027097 12

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Executive Summary

Hyderabad, Telangana (Standup India)


• District has organized Standup India clinics, in collaboration withAndhra Pradesh Industrial and Technical ConsultancyOrganisation Limited (APITCO), SIDBI and Lead Bank to providehandholding support subsequent to the sanction of loan

• Lead Bank has conducted a number of awareness camps at SC/STcolonies and with women Self Help Groups, State Level Federation(SLF) and Town Level Federation (TLF) etc.

• Financial literacy camps were conducted at SC/ST basties to createawareness among young entrepreneurs.

• Sessions were also conducted to resolve problems faced byborrowers at pre-loan stage

• Submission of application is linked with AADHAAR, reducing thepossibility of multiple submissions by one borrower

• Beneficiaries of Skill Development Trainings and Entrepreneursprogrammes taken up in previous years were intimated regardingthis programme

• Frequent interactions were held with Association of LadyEntrepreneurs of India (ALEAP) and Dalit Indian Chamber ofCommerce and Industry (DICCI) in eliciting their support inimplementation of Standup India


• Out of 1396 bank branches in the District, 208 branches havesanctioned loan under the scheme

• In the district, loan amount of Rs. 104 Cr. has been sanctioned to462 accounts, of which 393 are women, 46 are SC and 23 are ST

• Total loan amount of Rs. 60 Cr. has been disbursed to 354 units, ofwhich 315 are women, 22 are SC and 17 are ST

• Online applications received by the bank are processed within 15 to20 days

BackgroundHyderabad district, situated along the banks of the Musi river, has1396 scheduled commercial bank branches.

Approach AdoptedAs part of the Standup India programme in Hyderabad, bankersencourage potential borrowers and assist them in setting upprofitable businesses. A lead time of 15-20 days is taken bybankers to process the application received online. Based on theresponses in the application a borrower is classified as Traineeborrower or Ready borrower. Trainee borrower is advised to seekhandholding support and accordingly co-ordinate with help centers.

Handholding Agencies such as Andhra Pradesh Industrial andTechnical Consultancy Organization Limited (APITCO), Dalit IndianChamber of Commerce & Industry (DICCI) and WomenOrganizations also help borrowers in preparation of necessaryproject reports and provide handholding support. The progress ofthe programme is monitored independently by various stakeholdersviz. SIDBI, APITCO.

Awareness GenerationFinancial Literacy Camps (FLCs) are conducted at SC/ST areas tocreate awareness among youth and to familiarize them with theprogramme. Bank branches have conducted awareness camps to

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Handholding Events

provide handholding support for SC/ST and women to realize theirdreams and uplift their economic and social status.

SIDBI & NABARD along with various associated banks andassociations like DICCI, APITCO Ltd, Confederation of WomenEntrepreneurs (COWE) etc. had also conductedseminars/workshops at various locations for SC/ST and Women. AJob mela was conducted where the member banks handed oversanction letters to the beneficiaries under the Standup Indiaprogramme. The event was widely covered in press and electronicmedia.

Convergence with other SchemesIn Hyderabad, the district administration has interlinked the StandupIndia programme with existing schemes of State Government andGovernment of India (e.g. SIDBI Capital Subsidy, etc.) to provideeconomic support for addressing the needs of the poorestcommunities.

ImpactUnder the programme, 208 branches have sanctioned loans toSC/ST and women entrepreneurs. In the District, loan amount ofRs. 104 Cr. has been sanctioned to 462 accounts, of which 393 arewomen, 46 are SC and 23 are ST. Total loan amount of Rs. 60 Cr.has been disbursed to 354 units, of which 315 are women, 22 areSC and 17 are ST.

Key Contact:

Mr. Rahul Bojja

Collector and District MagistrateHyderabadGovernment of TelanganaEmail: [email protected]: +91 4023202833Mobile: +91 9618877033

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Executive Summary

Indore, Madhya Pradesh (Standup India)


• District Administration coordinated with Audhyogik Kendra VikasNigam (AKVN) Indore, Indore Development Authority (IDA),District Industries Center (DIC) Indore, all nationalized andprivate banks, Start Up community of Indore and Indore ITCompanies Associations to conduct seminars, meetings etc. forcreating awareness about Standup India

• District Administration continuously followed up with bankcoordinators and government sponsored agencies to acceleratethe implementation of Standup India programme.

• A number of cluster based schemes were started in the district byBanks to ensure focused approach.o Readymade Garments cluster was identified for Old Indore

Area, for which Bank has identified 4 branches situated in thearea to extend credit facilities to the potential borrowers.

o New Loha Mandi has been identified for Iron and Steel furnitureand Fabrication Work and BoI has identified 5 branches of samearea for extending credit facilities to beneficiaries.

o 6 branches were allotted to Ranipura Electronics complex forthe creation of employment in the manufacturing of electricaland electronics goods in the district.

• District has successfully conducted 14 Seminars, 4 Rojgar Melasand 22 other orientation programs, witnessing participation ofmore than 6,500 participants



• Loan amount of Rs. 30.12 crore has been sanctioned to 166accounts, of which 115 loans have already been disbursed

BackgroundIndore is the most populous city of Madhya Pradesh and is locatedon the southern edge of Malwa Plateau. The district has 549scheduled commercial bank branches.

Approach AdoptedWhen a potential borrower applies for a loan on Standup Mitraportal, the bank branch makes all efforts to handhold and ensuresthat the proposed beneficiary has sufficient space, skill, access tothe market etc. This ensures that the loan given to the beneficiary isefficiently and successfully utilized for setting up a profitablebusiness which creates employment for number of individuals.

Monitoring and evaluation is done at the level of District Collectorwith the help of Lead District Manager (LDM), General manager inDistrict Trade and Industries Center (GMDTIC) and FinancialLiteracy counselor etc. Regular monitoring and evaluation is donein District Level Consultative Committee (DLCC) and Block LevelBankers committee (BLBC). The district administration involvedAudhyogik Kendra Vikas Nigam (AKVN) Indore, IndoreDevelopment Authority (IDA), District Industries Center (DIC)Indore, all nationalized and private banks, Startup Community ofIndore and Indore IT Companies Associations for implementation ofthe programme..

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The Lead bank along with the other banks has taken multipleinitiatives for development of the district and to increaseemployment/self-employment opportunities for other unemployedyouth. Banks has started cluster based schemes to extend creditfacilities for manufacturing in the following clusters: Readymade Garments Iron and steel furniture and fabrication work Electronic goods Pharmaceutical Transport Agriculture

Awareness GenerationDistrict authorities rolled out advertisements to promote awarenessabout the programme. Seminars/workshops have been conductedby different organizations like National Bank For Agriculture AndRural Development (NABARD), etc. District also conducted 14seminars, 4 Rojgar melas and 22 other orientation programs toeducate people about the Standup India programme.

Convergence with other SchemesIn Indore district, Standup India programme has been interlinkedwith different National/State/District level programs e.g. PrimeMinister Employment Generation Programme, Mukhyamantri YuvaUdyami Yojana of Madhya Pradesh etc.

ImpactUnder the programme, 76 bank branches have sanctioned loans toSC/ST and women entrepreneurs. Loan amount of Rs. 30.12 crorehas been sanctioned to 166 accounts, of which 115 loans havealready been disbursed.

Key Contact:

Mr. P Narahari

Collector and District MagistrateIndoreGovernment of Madhya PradeshEmail: [email protected]: +91 7312449111Mobile: +91 9424784800 20

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Executive Summary

Jorhat, Assam (Standup India)


• District has poor internet connectivity and hence all applications were received offline

• Several awareness programs on Stand up India were conducted across the district by various banks e.g. United Bank of India conducted an awareness program on credit delivery and awareness program on Standup India

• Other platforms used for generating awareness about the programme included Vigilance Awareness Week, MSME awareness drives, Financial Literacy drives by NRLM, Meetings towards digitisation, etc.

• Banners and flexes were displayed at several places to enhance awareness of the scheme

• Handholding events, post sanctioning of loans, were conducted • District has a WhatsApp group of all branches for interaction/co-

ordination



• 25 loans were sanctioned, amounting to Rs.3.88 Cr.

BackgroundJorhat is known as the ‘Educational and Cultural Capital’ of Assam.The district has 100 scheduled commercial bank branches.

Approach AdoptedStandup India programme was initiated through a District levelworkshop, which was jointly conducted by NABARD, AssamRegional Office and SIDBI. The workshop served as the basis fordesigning action plan for implementing the programme in thedistrict.

In general, residents of the district are inclined towards agriculturalactivities and possess low entrepreneurial aspiration. Despite this,Standup India has gained momentum due to diligence of the bankofficials and district administration. Bank officials have physicallycollected applications from the beneficiaries and persuaded them toavail benefits under the programme. ‘Grahak Mitra’, a singlewindow clearance mechanism is used by the district to advice andcounsel the potential borrowers about Standup India. District LevelBank Committee (DLBC) meetings are conducted on regular basisto monitor implementation of the programme.

District Level workshops were conducted by SIDBI to demonstratethe functionalities of Standup Mitra portal to District Data Manager(DDM) and Lead District Manager (LDM).

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Awareness GenerationFor generating awareness about Standup India, a number ofawareness programs were conducted across the district. UnitedBank of India conducted an awareness program on credit deliveryand on Standup India. Visual aids, like banners and flexes, weredisplayed at several places to enhance awareness of theprogramme. Vigilance awareness week, MSME awareness drivesand Financial Literacy drives by National Rural Livelihoods Mission(NRLM) were organized for wider publicity.All bank branches of Jorhat were encouraged to provide loansunder the programme and give impetus to social empowerment.District has a WhatsApp group of all branches for interaction andco-ordination. Various branches at the LDM Jorhat office alsoestablished regular contact with residents of the district to spreadthe word.

ImpactUnder the programme, 22 bank branches have sanctioned loans toSC/ST and women entrepreneurs. 25 loans were sanctioned,amounting to Rs.3.88 Cr.

Key Contact:

Mr. Virendra Mittal

Deputy CommissionerJorhatGovernment of AssamEmail: [email protected]: +91 03762320020Mobile: +91 7896906118

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Executive Summary

Kullu, Himachal Pradesh (Standup India)


• District has 100% bank account penetration at household leveland thus potential borrowers approach the banks directly for loans

• District Level Consultative Committee (DLCC) was formed underthe chairmanship of Dy. Commissioner with LDM, DDM-NABARD,GM-DIC and officials from KVIB, HP SC-ST DevelopmentCorporation, HP Mahila Vikas Nigam as members

• Meetings of DLCC were conducted on regular basis to review theprogress made under the scheme

• District Industries Centre was advised to make the process ofregistration for new enterprises hassle-free and help them withproper handholding

• The banks have been conducting financial literacy camps to createawareness about various Government schemes


• Out of 89 Bank branches in the District, 20 branches havesanctioned loan under the scheme

• 24 loans have been sanctioned, amounting to Rs. 4.53 Crore• Employment has been generated for over 2000 youth by the

implementation of the scheme.• Several entrepreneurial success stories have come out in the

district by means of Standup India Scheme• Disbursement of loan is hassle free and loans are disbursed

within 15-20 days from the date of application

BackgroundMarred by harsh weather and typical demography, Kullu district ispredominantly rural/semi-urban area which primarily depends onagrarian and forest resources for livelihood. The district has 89scheduled commercial bank branches.

Approach AdoptedKullu adopted a multi-thronged strategy which required budging andprodding at multiple levels to motivate the target strata of society.District Level Consultative Committee (DLCC) was formed underthe chairmanship of Deputy Commissioner with Lead DistrictManager (LDM), District Development Manager (DDM) NABARD,General Managers District Industry Centers (GMDIC) and officialsfrom Khadi & Village Industries Board (KVIB), Himachal PradeshSC-ST Development Corporation, Himachal Pradesh Mahila VikasNigam as members.

DLCC meetings were conducted on regular basis to reviewprogress made under the programme. All the Government agencieswere advised to take apt measures to popularize the programme,identify aspiring entrepreneurs and provide assistance to them.

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Success Stories

A sustainable business growth model has been adopted whichencourages beneficiaries to share their experiences and solveproblems amongst themselves. Continuous hand-holding andsupport is being provided by the respective agencies and banks tothe beneficiaries.

Awareness GenerationBlock Development Officers were advised to spread informationabout the programme and identify potential beneficiaries.Information about the programme was disseminated at village levelthrough Panchayat Secretaries in Gram Sabhas and other forums.Institutes imparting vocational trainings like RSETI etc. were alsoinvolved. Tailor made trainings were conducted to spreadawareness for specific activities.

ImpactUnder the programme, 20 bank branches have sanctioned loans toSC/ST and women entrepreneurs. 24 loans have been sanctioned,amounting to Rs. 4.53 Crore. Employment has been generated forover 2000 youth through implementation of the scheme.

Several entrepreneurial success stories have come out in thedistrict by means of Standup India Scheme. Disbursement of loan ishassle free and loans are disbursed within 15-20 days from the dateof application.

Key Contact:

Mr. Yunus

Deputy CommissionerKullu, Government of Himachal PradeshEmail: [email protected]: +91 01902-222727Mobile: +91 9418018787

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Executive SummaryNicobar, Andaman & Nicobar Islands (Standup India) Background/ Initiatives Undertaken

• District comprises of 65% tribal population• The scheme has been advertised through local dailies• Training and awareness campaigns were organized in coordination

with the State Bank of India and Department of Industries, CarNicobar

• Information was disseminated to approximately 800 persons underthe scheme

• Owing to the district’s limited expense, peer to peer informationdissemination was opted due to its efficiency in reaching themasses and unavailability of internet connectivity

• Banners and posters have been placed at important publiclocations such as markets, local transports, community halls andGovt. offices all over the district

• Standup India Implementation Unit has been established• A Grievance cell functioning in the District HQ office also serves as

a Hotline for providing support to beneficiaries under the scheme


• Out of 3 bank branches in the District, one has given loan to anentrepreneur

• Through the beneficiary, employment was generated for over 10persons

BackgroundNicobar district has 3 scheduled commercial bank branches. Tribalsin the district are known to be traditionally shy to seek loanassistance and most of their livelihood depends on naturalresources. Due to limited connectivity and resources, there islimited scope for establishing manufacturing industries in thedistrict. Unavailability of internet connectivity for Standup Mitraportal is also a key challenge in the implementation of theprogramme.

Approach AdoptedA Standup India Implementation Unit has been established and hasbeen operating smoothly to provide service to residents of theIsland. Support meetings are also organized by the officials postgrant of loan to the beneficiary.

It is anticipated that with increase in number of applications,assistance shall be provided in convergence with Prime Minister’sEmployment Guarantee Programme (PMEGP) of the IndustriesDepartment. In future, it is also proposed that in convergence withNational Rural Livelihood Mission (NRLM), individual SHG groupsconsisting of women members shall be formed which may beprovided loan assistance under Standup India programme.

The institutional setup comprises of the concerned officials of theDistrict Administration, lndustries Department, State Bank of lndia

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and of Line Departments such as Fisheries Department to addressthe requests related to support, queries and hand holding ofrelevant beneficiaries after sanctioning of loan.

Handholding Support

A grievance cell at the District HQ office serves as a hotline forproviding support to the beneficiary as and when required.


Training and awareness campaigns were organized in coordinationwith the State Bank of India and Department of Industries, CarNicobar. Information pertaining to the procedures and modalities ofthe programme was disseminated to approximately 800 personsthrough village awareness and training camps. A stall on StandupIndia was set up at CWC Grounds, Car Nicobar during the CarNicobar festival organized in January 2017 to promote theprogramme. Village wise awareness camps were also organizedthrough “Adarsh Gram Kinyuka”. The programme was alsoadvertised through local dailies. Banners/posters have been put upat public locations such as markets, local transports, andGovernment offices across the district to create awareness amongentrepreneurs/ unemployed youth for availing financial assistancefor their ventures.

ImpactUnder the programme, 1 bank branch has sanctioned loan to anentrepreneur. Employment was generated for over 10 personsthrough the business set up by the beneficiary.

Key Contact:

Ms. Neha Bansal

Deputy CommissionerNicobar , Andaman And NicobarEmail: [email protected]: +91 03192265220Mobile: +91 9476046496

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mailto:[email protected]

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Executive SummaryNorth & Middle Andaman, Andaman and Nicobar Islands (Standup India) Background/ Initiatives Undertaken

• In the District, SC & ST population is (0) Zero in number• Internet penetration and connectivity is poor which prevents online

mechanism of submission of applications under the scheme• The scheme and its eligibility have been advertised through local

dailies, Doordarshan and All India Radio• 20 awareness camps have been conducted in the District to

motivate the unemployed youth to avail financial assistance underStandup India

• Awareness is also generated through special kiosk in beachfestivals & Melas and Gram Sabhas in Panchayats

• Credit counseling to entrepreneurs to facilitate them in developingcredit worthy proposals has been done by the bank officials


• Out of 8 bank branches, 2 bank branches have sanctioned loansunder the scheme

• 5 women in the District were sanctioned loans for establishmentof their own business

• These entrepreneurs have generated further employmentopportunities for 12 persons

BackgroundNorth and Middle Andaman district is one of the 3 districts ofAndaman and Nicobar Islands located in the Bay of Bengal.The district has 8 scheduled commercial bank branches.

The district has 97% rural population, none of which areclassified under SC/ST. The UT is therefore promoting theprogramme by encouraging more women towardsentrepreneurship.

Approach AdoptedBanks in the district help entrepreneurs in filling up of loanapplications and in preparing project proposals coveringdetails of product, process, market and viability of thebusiness. Identification of local business needs has been doneby the bank managers.

Awareness GenerationUT has extensively used mass media such as radio andDoordarshan to promote the scheme. With the help of districtoffice, 20 awareness camps have been conducted all overNorth & Middle Andaman District to motivate unemployedyouth to avail financial assistance under Standup IndiaProgramme for entrepreneurship. Special kiosks have beensetup in beach festivals and melas. Women entrepreneurs arealso being engaged through Whatsapp.

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Credit counseling has been provided by bank officials toentrepreneurs to facilitate them in developing credit worthyproposals.

Convergence with other SchemesThe district office is trying to generate awareness aboutconvergence of both State Government and Government of Indiaschemes to broaden the scale of finance to meet out the financialrequirement of the concerned individual/firm.

ImpactUnder the programme, 2 bank branches have sanctioned 5 loans towomen entrepreneurs. These entrepreneurs have generated furtheremployment opportunities for 12 persons.

Key Contact:

Mr. Arava Gopi Krishna

Deputy CommissionerNorth and Middle Andaman , Andaman And NicobarEmail: [email protected]: +91 031922262999Mobile: +91 9434286261

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Executive Summary

Raipur, Chhattisgarh (Standup India)

Background/ Initiatives Undertaken• A State level launch workshop and 5 District level workshops

have been conducted for all LDMs, Scheduled Commercial Banksand entrepreneurs

• 140 Standup India Help Centers (SUHCs) have been set up in thedistrict to provide handholding, training, infrastructure and certificationsupport to the entrepreneurs

• Various training programs have been organized in the district byNABARD/ SIDBI/ SLBC and Lead Bank with the support of DIC,KVIC and KVIB

• Udyami helpline has been established for helping entrepreneurs byproviding information on various aspects such as procedure,eligibility, formalities to be completed, etc.

• Loan Camps have been organized by all Banks, DIC, NABARD formobilizing the scheme and creating awareness about the scheme inthe district

• District has taken measures for convergence of the existingschemes, such as PMEGP, MMYSY and Industrial Policy of State,with Standup India

• District Level Core Committee has been set up for Standup Indiafor regular monitoring of the progress made under the scheme

• The implementation of programme has been done throughworkshops organized under the aegis of joint program of Stand-upand Start-up India


• Out of 494 bank branches in the District, 83 branches havesanctioned loan under the scheme

• Loan amount of Rs. 25 Cr. has been sanctioned to 93 units, ofwhich 83 are women and 10 are SC/ST

• Loans amounting to Rs. 8.88 Cr. have been disbursed to 59 units• The response time for handling requests is less than 15 days in the

District

BackgroundStandup India was officially launched in Raipur on 24th June 2016in a State Level Workshop which witnessed a participation of 5000+entrepreneurs. The district has 494 scheduled commercial bankbranches.

Approach AdoptedThe district devised a Standard Operating Procedure (SOP) forhandling requests made by applicants on Standup Mitra portal. TheSOP details various steps required to be taken for processing ofapplications under the programme. The district has also prepared alist of Frequently Asked Questions (FAQs) to address anticipatedqueries of the borrowers/applicants. A Single window system hasbeen set up by the district where an applicant is asked a fewquestions, to assess his requirement and accordingly his request isforwarded to the bank or concerned department/organization. Theresponse time for handling requests is less than 15 days in theDistrict. Based on the project, applicant is advised about theclearances required and he/she can apply for the same through theportal.The request for handholding, training, infrastructure andcertifications support are received both online and offline.Thereafter, the borrower is redirected/advised to contact thefollowing institutions/organizations:

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District level Coordination Committee, Raipur Directorate of Industries, Raipur MSME Directorate, Raipur District Industries Centre, Raipur Private partners (Matrix Foundation/ Ojas Foundation/

AISECT Training Centres)

A Special Monitoring Committee for Standup India under theChairmanship of District Collector has been constituted. Thecommittee with CEO - Zila Panchayat, Lead District Manager ofBank (LDM), Chief General Manager (CGM) District IndustriesCentre, banks and other stakeholders holds periodic meetings formonitoring the implementation of the programme including requestsfor handholding.

Nine district level workshops have been conducted under theChairmanship of District Collector wherein all stakeholders(beneficiaries/ banks/ industry department/ Standup India HelpCenters etc.) met and discussed issues related to disbursement ofloan and further providing help required by beneficiaries in setting-up of enterprises. District Level Committee has been set up underthe Chairmanship of Collector for considering the matters of interestand capital subsidy. Task-Force committee for Prime MinisterEmployment Guarantee Programme (PMEGP) and MukhyamantriYuva Swarojgar Yojana (MMYSY) holds meetings in presence ofpublic representatives.

Handholding SupportUdyami helpline (1800-233-3943) has been established for helpingentrepreneurs who wish to seek information about Standup Indiaand other schemes, including the procedure eligibility formalities tobe completed etc.

Awareness GenerationIn the district ,the programme was publicized by holding State levelWorkshop. Advertisements are published in print and electronicmedia. 5 District level workshops have been organized toencourage and educate women and SC/ST population.

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140 Standup India Help Centers (SUHCs) have been set up in thedistrict. The programme was also publicized through use of socialmedia including WhatsApp groups, brochures, posters andbanners. Camps and stalls of Standup India are put up at eventssuch Collectorate Jan Darshan (every Monday), Lok Suraj Abhiyanand Jan Samasya Nivaran Shivir (twice in a month), Digi DhanMela etc.

Convergence with other SchemesOne of the key initiative undertaken by the district is convergence ofStandup India programme with other State Government schemes.Standup India cases has been made eligible for incentives underthe category of priority sector (selected sunrise sectors identified bystate) through State’s Industrial Policy. The margin money underMMYSY (Mukhyamantri Yuva Swarojgar Yojana) is being used forStandup India cases. Similarly, all Standup India cases are eligibleunder weaker section and priority sector lending for banks as perRBI guidelines.

ImpactUnder the programme, 83 bank branches have sanctioned loans toSC/ST and women entrepreneurs. Loan amount of Rs. 25 Cr. hasbeen sanctioned to 93 units, of which 83 are women and 10 areSC/ST. Loans amounting to Rs. 8.88 Cr. have been disbursed to 59units.

Key Contact:

Mr. O.P. Choudhary

District CollectorRaipurGovernment of ChhattisgarhEmail: [email protected]: +91 7712426024Mobile: +91 9926131010

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Executive Summary

Shahdara, Delhi (Standup India)

Background/ Initiatives Undertaken• Lead Bank of the District, in association with SLBCC, SIDBI,

Revenue officers, DCOs, bank branches, organized 47 meetingsduring the period, wherein approximately 7700 clients/ prospectiveborrowers participated

• Trainings for entrepreneur development, mentoring, skilling, financialtraining, etc. were provided to potential borrowers

• Submission of applications is linked with AADHAAR, thereby,reducing the possibilities for submission of multiple applications byone borrower

• Awareness was created about the scheme using various methodssuch as distributing pamphlets, publicity through public addresssystem, bulk messaging to prospecting beneficiaries, putting bannersin the branches and public places

• Banks, which did not received any applications under the scheme,organized special camps to promote and encourage participation

• Home visits were made to increase participation in the scheme• All banks were advised to counsel the prospective beneficiaries for

convergence of scheme with PMEGP, KVIC, and MUDRAKey Achievements/ Impact• Out of 108 bank branches in the District, 21 branches have

sanctioned loan under the scheme• Loans sanctioned under the scheme were 49, amounting to Rs.

9.36 crore• Loans disbursed under the scheme were 25, amounting to Rs. 3.98

crore• 300 persons have been engaged/ employed in the new ventures

setup under the scheme• Action is initiated by bank branches within 48 hours of receipt of

the application under the scheme• Average period of sanction of loan is 15 days

BackgroundShahdara district of Delhi has 108 scheduled commercial bankbranches.

Approach AdoptedLead District Manager ensures transparency and accountability bycontacting various customers in different bank branches. DistrictLevel Bankers Committee (DLBC) under the chairmanship ofDistrict Collector also periodically reviews the implementationprogress. Lead Bank, District Shahdara, in consultation withrevenue officers and bank branches organized 47 meetings duringthe period wherein approximately 7700 clients/ prospectiveborrowers, participated. Submission of applications is linked withAADHAAR, thereby, reducing the possibilities for submission ofmultiple applications by one borrower. Action is initiated by bankbranches within 48 hours of receipt of the application under thescheme. Sanctioning of loans is done within a period of 15 days.Bank branches also encouraged home visits in order to increaseparticipation. After sanctioning of loan bank officers conductperiodical visits at the enterprise sites for inspection.

Awareness GenerationAwareness was generated about the programme using variousmethods such as distributing pamphlets, publicity through public

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Follow-up Meetings

address system, bulk messaging to prospecting beneficiaries,putting banners in the branches and public places. Special campsare also held to promote the programme among general public.Hand holding agencies were also invited to help /guide theprospective borrowers. Trainings for entrepreneur development,mentoring, skilling, financial training, etc. were provided to potentialborrowers.District encourages banks, especially those who have not receivedany applications under the programme, to conduct special camps,spread awareness about the programme and identify potentialborrowers. Banks are also advised by the district to counsel theprospective beneficiaries for convergence of the programme so thatthe scale of finance is broadened to meet financial requirement ofthe concerned individual/firm.

Convergence with other SchemesSpecial stress is laid on the convergence of this programme withschemes such as Prime Minister's Employment GenerationProgramme (PMEGP), Khadi and Village Industries Commission(KVIC), and MUDRA.

ImpactUnder the programme, 21 bank branches has sanctioned loans toSC/ST and women entrepreneurs. 49 loans were sanctioned underthe scheme, amounting to Rs. 9.36 crore. 25 loans disbursed underthe scheme, amounting to Rs. 3.98 crore. 300 persons have beenengaged/ employed in the new ventures setup under the scheme.

Key Contact:

Mr. Vishva Mohan

Deputy CommissionerShahdara , DelhiEmail: [email protected]: +91 01122126636Mobile: +91 9718190001

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mailto:[email protected]

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Executive Summary

Ujjain, Madhya Pradesh (Standup India)

Background/ Initiatives Undertaken• District has organized seminars, workshops and awareness

camps to assist people starting new business ventures• District has conducted awareness programmes through ITIs,

particularly women ITIs; session for counseling of farmers forhorticulture and agriculture equipment; and sensitization programmeon Government Initiatives for SC/ST students of Polytechnic College

• District authorities and Banks established bank camps in ChiefMinister Kisan Maha Sammelan. A total of 27 Bank Camps in urbanas well rural areas were organized

• Authorities discuss the scheme in DISHA in which MP, MLAs reviewthe implementation progress on a regular basis

• A number of handholding requests were connected to theconcerned authorities such as Financial Literacy Center, R-SETIs,DIC-MSME, CEDMAP, KVK, ATMA etc.

• District is using mobile application ‘Hello Ujjain’, social media(WhatsApp, Facebook) and web-portal to ensure efficientimplementation of programme

• Free debit cards were distributed to beneficiaries for promotingcashless transaction

• Benefit of interest subsidy and capital subsidy are providedunder “CM YUVA Udyami” and PMEGP

Key Achievements/ Impact• Out of 202 bank branches in the District, 31 branches have

sanctioned loan under the scheme• 83 loans have been sanctioned to 50 women and 33 SC/ST

entrepreneurs• A total of 63 loans have been disbursed. This has resulted in

generation of direct employment of 4000 persons and indirectemployment of 10,000 persons

• Potential borrowers have given good response to the programme andrequested for training on eco-friendly products, agriculture andallied activities, health, textiles, financial literacy, digital banking etc.

BackgroundUjjain district, situated on the eastern bank of the Kshipra River, has202 scheduled commercial bank branches.

Approach AdoptedUjjain 'Standup India' has been locally rechristened as ‘UMANG’.The District administration has laid down well defined proceduresas per the Standup India Guidelines. On receipt of onlineapplication, the proposal is reviewed by a team of three officers, viz.Lead District Manager (LDM), NABARD, District DevelopmentManager (DDM) and SIDBI. Thereafter, the applications aresegregated as Ready borrower and Trainee borrower. In a readyborrower case, the application is forwarded (online / offline mode) tothe concerned Line Department for preparation of DPR. After DPRpreparation, the Line Department forwards the proposal to theconcerned bank for sanction and disbursement and provides help tothe borrower/beneficiary in banking procedures. .

For a trainee borrower, Training Need Assessment (TNA) form isfilled. Depending upon the training needs of borrower, he/she is re-directed to one of the 17 designated training centers of the Ujjaindistrict. The district used innovative ideas, such as Catch themYoung, for targeting young beneficiaries to avail the scheme.

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Handholding SupportDedicated public grievance helpline has been established forhelping entrepreneurs.

Awareness GenerationStandup India in Ujjain has been given wide publicity under thename of Umang. Hoardings and flexes have been put up in bankinginstitutions throughout the district. Vernacular Urdu languagepamphlets were used for wider coverage. Social media campaignslike Whatsapp groups and Facebook were used for creatingawareness. A dedicated Mobile App “Hello Ujjain” has been rolledout for better implementation of the programme. Local bodies,business groups & communities, women associations and Rotaryclubs were involved for in the implementation of the programme.Free training programmes were organized for the beneficiaries ofPMEGP which also included the entrepreneurs of Standup India.Awareness programmes were conducted through ITIs, particularlywomen ITIs. Workshops were conducted by SIDBI and NABARDfor creating awareness. Bank camps in Chief Minister Kisan MahaSammelan campaign were organized for marketing. Free debitcards were distributed to beneficiaries for promoting cashlesstransactions.

Convergence with other SchemesStandup India has been interlinked with existing schemes of StateGovernment and Government of India. Benefits of schemes suchas Chief Minister’s flagship scheme of ‘CM VUVA Udyami’, PrimeMinister’s Employment generation Programme (PMEGP) and RuralSelf Employment Training Institutes (RSETI) from NABARD arealso provided to entrepreneurs under Standup India. Preference isgiven to the beneficiary of Standup India in setting up of enterpriseunder Farmer Producer Organization (FPO) fund of NABARD. TheDistrict administration also plans to give preference to StandupIndia beneficiaries in government procurement.

ImpactUnder the programme, 31 bank branches have sanctioned loans toSC/ST and women entrepreneurs. 83 loans have been sanctionedto 50 women and 33 SC/ST entrepreneurs.

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Key Contact:

Mr. Sanket Bhondve

District MagistrateUjjainGovernment of Madhya PradeshEmail: [email protected]: +91 7342510878Mobile: +91 9425818855

A total of 63 loans have been disbursed. This has resulted ingeneration of direct employment of 4000 persons and indirectemployment of 10,000 persons. Potential borrowers have givengood response to the programme and requested for training on eco-friendly products, agriculture and allied activities, health, textiles,financial literacy, digital banking etc.

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