ಸ್ಟ್ಯಾಂಡ್-ಅಪ್ ಇಂಡಿಯಾ ಮತ್ತು ಸ್ಟಾರ್ಟಪ್ ಇಂಡಿಯಾ ಯೋಜನೆಗಳ ನಡುವಿನ ವ್ಯತ್ಯಾಸ

ಪರಿಚಯ

ದೇಶದೊಳಗಿನ ನಿರ್ದಿಷ್ಟ ಉದ್ಯಮ ಅಥವಾ ನಾಗರಿಕರ ಗುಂಪಿನ ಪ್ರಯೋಜನ ಮತ್ತು ಉನ್ನತೀಕರಣಕ್ಕಾಗಿ ಭಾರತ ಸರ್ಕಾರವು ಕಾಲಕಾಲಕ್ಕೆ ಯೋಜನೆಗಳನ್ನು ಪ್ರಾರಂಭಿಸುತ್ತದೆ. ಅಂತಹ ಎರಡು ಯೋಜನೆಗಳ ಬಗ್ಗೆ ತಿಳಿದುಕೊಳ್ಳಬೇಕಾದ ಎಲ್ಲವೂ ಇಲ್ಲಿದೆ - ಸ್ಟ್ಯಾಂಡ್-ಅಪ್ ಇಂಡಿಯಾ ಮತ್ತು ಸ್ಟಾರ್ಟಪ್ ಇಂಡಿಯಾ ಯೋಜನೆಗಳು.

ಸ್ಟ್ಯಾಂಡ್ ಅಪ್ ಇಂಡಿಯಾ ಸ್ಕೀಮ್ ಎಂದರೇನು? ಉದ್ದೇಶಗಳು ಮತ್ತು ಫೀಚರ್‌ಗಳು

ಸ್ಟ್ಯಾಂಡ್-ಅಪ್ IND ಯೋಜನೆಯು ಭಾರತ ಸರ್ಕಾರವು ಮಹಿಳೆಯರು, ಪರಿಶಿಷ್ಟ ಜಾತಿಗಳು ಮತ್ತು ಪರಿಶಿಷ್ಟ ಪಂಗಡಗಳನ್ನು ಗಮನದಲ್ಲಿಟ್ಟುಕೊಂಡು ಆರಂಭಿಸಿದ ಯೋಜನೆಯಾಗಿದೆ. ಈ ಕೆಟಗರಿಗಳಿಗೆ ಹಣಕಾಸು ಮತ್ತು ಬಿಸಿನೆಸ್ ಅವಕಾಶಗಳನ್ನು ಒದಗಿಸಲು ಇದನ್ನು ಪ್ರಾರಂಭಿಸಲಾಗಿದೆ. ಈ ವ್ಯಕ್ತಿಗಳು 10 ಲಕ್ಷದಿಂದ 1 ಕೋಟಿ ನಡುವೆ ಎಲ್ಲಿಯಾದರೂ ಸ್ಟ್ಯಾಂಡ್-ಅಪ್ ಇಂಡಿಯಾ ಲೋನ್‌ಗಳನ್ನು ಪಡೆಯಬಹುದು.

ಈ ಯೋಜನೆಯು ಉತ್ಪಾದನಾ ಘಟಕ, ಕೃಷಿ ವಲಯ ಅಥವಾ ವ್ಯಾಪಾರ ಉದ್ದೇಶದ ರೂಪದಲ್ಲಿ ಗ್ರೀನ್‌ಫೀಲ್ಡ್ ಉದ್ಯಮಗಳ ಸ್ಥಾಪನೆಯನ್ನು ಉತ್ತೇಜಿಸುತ್ತದೆ. A greenfield enterprise refers to a first venture of the eligible person in the aforementioned sectors.

Under this scheme, the funds are transferred directly to the recipient’s account. The Stand-up India loan provides 85% of the project funding; the remaining 15% must be borne by the eligible individuals. While the Stand-up India loan interest rate is kept minimal, the tenure of the loan is typically 7 years. However, an extension of 18 months may be given in some cases.

Eligibility for Stand-Up India Scheme

• Any scheduled caste or scheduled tribe and / or woman entrepreneur is eligible for this scheme. However, such a person should be above 18 years of age.
• Stand-up India Loans can be used only for greenfield projects, i.e. it has to be entrepreneurs’ first project in the manufacturing, trading or agriculture sector.
• In the case of a joint venture or partnership, the applicant should hold a 51% stake and should have the controlling stake of the company.
• Borrowers should have a clean record, meaning the applicant should not be a defaulter in any bank or financial institution.

What is Start Up India Scheme? Objectives & Features

The Start-up India Scheme is an initiative by the Indian Government to help young entrepreneurs develop unique business ideas and help them establish or grow their business. Under this scheme, the government helps a start-up or individual by providing financing with tax exemptions. It also ensures that creating a start-up is a smooth and straightforward process. The only condition to be considered is that the business should qualify as a Start-up.

Start-up India Scheme Eligibility

• The company should be registered as a private limited, a registered partnership firm or a limited liability partnership.
• The company should not be registered for more than 10 years.
• The company’s annual turnover should not exceed over 100 crores for any financial year since its registration.
• The company should not be formed by reconstruction or splitting up an old business.
• The company should be a scalable business model and should be an innovative idea.
• The company should consistently work towards improving the innovative product.

Benefits provided under the Start-up India scheme:

• Simple online application

The Government of India has launched a website and an app for registration under this scheme. Eligible applicants can simply fill out a form and upload the necessary documents to apply.

• Cost reduction

The government provides lists of facilitators for trademarks and patents. The facilitator fees are borne by the Government, while the Start-up bears the statutory fees. While filing patents, start-ups are given a reduction of 80% in the cost. 

• Fund allocation

             The government has set Rs 10,000 crore fund as venture capital for eligible start-ups.

• Tax-exemption

Eligible Start-ups will be exempted from income tax for 3 years, provided they hold the certificate from Inter-Ministerial Board (IMB).

• Research and development facility

ಆರ್&ಡಿ ವಲಯದಲ್ಲಿ ಸ್ಟಾರ್ಟಪ್‌ಗಳಿಗೆ ಸಹಾಯ ಮಾಡಲು 7 ಹೊಸ ಸಂಶೋಧನಾ ಉದ್ಯಾನಗಳನ್ನು ಸ್ಥಾಪಿಸಲಾಗಿದೆ.

• ಹೂಡಿಕೆದಾರರಿಗೆ ತೆರಿಗೆ ವಿನಾಯಿತಿ

ವೆಂಚರ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ತಮ್ಮ ಬಂಡವಾಳವನ್ನು ಹೂಡಿಕೆ ಮಾಡುವ ಜನರಿಗೆ ಬಂಡವಾಳ ಲಾಭಗಳಿಂದ ವಿನಾಯಿತಿ ನೀಡಲಾಗುತ್ತದೆ.

• ನಿಮ್ಮ ಹೂಡಿಕೆದಾರರನ್ನು ಆಯ್ಕೆ ಮಾಡುವ ಸ್ವಾತಂತ್ರ್ಯ

ಅರ್ಹ ಸ್ಟಾರ್ಟಪ್‌ಗಳು ವಿವಿಧ ವೆಂಚರ್ ಬಂಡವಾಳದಾರರ ನಡುವೆ ಆಯ್ಕೆ ಮಾಡುವ ಆಯ್ಕೆಯನ್ನು ಹೊಂದಿವೆ.

Stand Up India vs Start Up India: Key Differences

1. The difference in the purpose of the schemes.

The Stand-up India scheme provides business opportunities to the minority groups (scheduled castes and scheduled tribes) and women entrepreneurs. On the other hand, Start-up India provides business opportunities to companies that fall in the category of Start-up and may not generate adequate revenue.

1. The difference in the benefits of the schemes.

Stand-up India scheme loan covers 85% of the project, and individuals can apply for loans between 10 lakhs to 1 crore. Whereas in the Start-up India scheme, the start-ups get various financing options to fund their company and are also exempted from tax.

1. The difference in eligibility

The eligibility for the Stand-up India scheme is that the person applying should belong to SC/ST category or should be a woman entrepreneur. The Start Up India scheme eligibility requires the company to be recently founded with an innovative idea and the annual turnover should not be more than 100 crores.

The Government is supporting a new age of self-reliant India by promoting entrepreneurs and innovators. Tata Capital supports the government’s mission and provides a wide range of business loan offerings for start-ups and new entrepreneurs. Check your business loan eligibility and get started today!

Eligibility Comparison: Stand Up India vs Start Up India

Understanding Stand Up India scheme and Start Up India schemes is crucial for entrepreneurs. Here’s a clear comparison of eligibility criteria for both schemes:

This table simplifies the difference between Stand Up India and Start Up India, helping you understand Stand Up India vs Start Up India eligibility at a glance. 

ಎರಡೂ ಯೋಜನೆಗಳು ಉದ್ಯಮಶೀಲತೆಯನ್ನು ಹೆಚ್ಚಿಸುವ ಗುರಿಯನ್ನು ಹೊಂದಿವೆ, ಆದರೆ ಆಯ್ಕೆಯು ನಿಮ್ಮ ಪ್ರೊಫೈಲ್, ಬಿಸಿನೆಸ್ ಪ್ರಕಾರ ಮತ್ತು ಬೆಳವಣಿಗೆಯ ಸಾಮರ್ಥ್ಯವನ್ನು ಅವಲಂಬಿಸಿರುತ್ತದೆ. Startup India ಮತ್ತು ಸ್ಟ್ಯಾಂಡ್ ಅಪ್ ಇಂಡಿಯಾ ನ ಸೂಕ್ಷ್ಮತೆಗಳನ್ನು ತಿಳಿದುಕೊಳ್ಳುವುದರಿಂದ ಜೈಪುರ ಉದ್ಯಮಿಗಳಿಗೆ ಫಂಡಿಂಗ್ ಮತ್ತು ಬಿಸಿನೆಸ್ ವಿಸ್ತರಣೆಗಾಗಿ ಕಾರ್ಯತಂತ್ರವಾಗಿ ಯೋಜಿಸಲು ಸಹಾಯ ಮಾಡುತ್ತದೆ.

ಪ್ರಯೋಜನಗಳ ಹೋಲಿಕೆ: ಹಣಕಾಸು, ತೆರಿಗೆ ಮತ್ತು ಬೆಂಬಲದ ವ್ಯತ್ಯಾಸಗಳು

ಸ್ಟ್ಯಾಂಡ್ ಅಪ್ ಮತ್ತು ಸ್ಟಾರ್ಟಪ್ ಇಂಡಿಯಾ ಅನ್ನು ಅನ್ವೇಷಿಸುವಾಗ, ಪ್ರತಿ ಸ್ಕೀಮ್ ನೀಡುವ ಪ್ರಯೋಜನಗಳನ್ನು ಅರ್ಥಮಾಡಿಕೊಳ್ಳುವುದು ಪ್ರಮುಖವಾಗಿದೆ. ಹಣಕಾಸಿನ ವಿಷಯದಲ್ಲಿ, ಸ್ಟ್ಯಾಂಡ್ ಅಪ್ ಇಂಡಿಯಾ ಸ್ಕೀಮ್ ಎಂದರೇನು ಪ್ರಾಥಮಿಕವಾಗಿ ₹10 ಲಕ್ಷದಿಂದ ₹1 ಕೋಟಿಯವರೆಗಿನ ಬ್ಯಾಂಕ್ ಲೋನ್‌ಗಳನ್ನು ಒದಗಿಸುತ್ತದೆ, ಗ್ರೀನ್‌ಫೀಲ್ಡ್ ಯೋಜನೆಗಳಿಗೆ SC/ST ಮತ್ತು ಮಹಿಳಾ ಉದ್ಯಮಿಗಳನ್ನು ಗುರಿಯಾಗಿಸುತ್ತದೆ. ಇದಕ್ಕೆ ತದ್ವಿರುದ್ಧವಾಗಿ, ಸ್ಟಾರ್ಟಪ್ ಇಂಡಿಯಾ ಸರ್ಕಾರದ ಬೆಂಬಲಿತ ಫಂಡ್‌ಗಳು, ಏಂಜಲ್ ಹೂಡಿಕೆದಾರರು ಮತ್ತು ವೆಂಚರ್ ಕ್ಯಾಪಿಟಲ್ ಬೆಂಬಲ ಸೇರಿದಂತೆ ವಿಶಾಲವಾದ ಫಂಡಿಂಗ್ ಆಯ್ಕೆಗಳನ್ನು ಒದಗಿಸುತ್ತದೆ, ಇದು ವಲಯಗಳಾದ್ಯಂತ ನಾವೀನ್ಯತೆಯ ಸ್ಟಾರ್ಟಪ್‌ಗಳಿಗೆ ಸೇವೆ ನೀಡುತ್ತದೆ.

On the tax front, Start Up India and Stand Up India schemes differ significantly. Startups enjoy tax exemptions on profits for three consecutive years and exemptions on capital gains, while Stand Up India loans focus more on financial accessibility rather than tax incentives.

Regarding support, Stand Up India vs Start Up India shows a clear distinction: Stand Up India emphasises mentoring and guidance for first-time entrepreneurs in manufacturing, trading, or agriculture. Start Up India offers extensive incubation, networking, and skill development programs for scalable, innovative businesses.

By comparing the difference between Stand Up India and Start Up India, entrepreneurs can choose the scheme that best aligns with their business stage, sector, and growth goals.

Loan Process Under Stand Up India Scheme (Step by Step)

Understanding what is Stand Up India scheme and its objectives makes the application process smoother. Designed to promote entrepreneurship among women and SC/ST communities, this scheme differs from typical business loans and is often compared with the Start Up India initiative. 

While Stand Up and Start Up India share the goal of fostering entrepreneurship, their eligibility criteria, target audience, and funding structures vary, making it essential to understand the difference between Stand Up India and Start Up India before applying. 

Here’s a simple step-by-step guide to the loan process:

Step 1: Visit the official Stand Up India portal.

Step 2: Select the option for Stand Up India loan.

Step 3: Fill in the application form with personal, business, and financial details.

Step 4: Upload the required documents in the prescribed format.

Step 5: Submit the application for verification.

Step 6: Upon approval, the sanctioned funds are credited to the borrower’s account.

Following these steps helps ensure a smooth experience when availing of the scheme.

Required Documents for Stand Up India Scheme

To apply under the Stand Up India Scheme, applicants must prepare certain documents to ensure a smooth approval process. Understanding what is Stand Up India scheme and how it differs from other initiatives can help you navigate the application efficiently. 

We’ve already addressed Stand Up India vs Start Up India previously. Now, let’s explore the documents required for Stand Up India Scheme:

• ಗುರುತಿನ ಪುರಾವೆ: ಆಧಾರ್ ಕಾರ್ಡ್, PAN ಕಾರ್ಡ್, ವೋಟರ್ ID ಅಥವಾ ಪಾಸ್‌ಪೋರ್ಟ್
• Address proof: Utility bills, rental agreement, or ration card
• Caste certificate: Applicable for SC/ST applicants
• Business plan or project report outlining your proposed venture
• Bank statements for the last six months
• Proof of business premises (if available)

Being prepared with these documents under the Stand Up and Start Up India framework ensures faster processing and a smoother loan journey.

Application Process for Start Up India Scheme

Applying under the Start Up India scheme is a streamlined and fully online process, making it easier for entrepreneurs to access government support and resources. Understanding the application process also helps differentiate between Stand Up India vs Start Up India, as both schemes target business growth but cater to different needs. 

Here’s how you can get started with Start Up India scheme:

• Register on the Startup India Portal: Visit the official website and click the ‘Register’ button. Provide basic details like name, email ID, mobile number, and password.
• Verify with OTP: Enter the OTP sent to your email and submit additional information such as startup type, stage, and founder details.
• Create Startup Profile: Once submitted, your Startup India profile is ready.
• Explore Programs and Benefits: Access incubation programs, mentorship opportunities, funding options, learning resources, and government schemes directly from the portal.

Now, you’re one step closer to leveraging the benefits under Stand Up and Start Up India programs.