A Survey of the Effectiveness of the Stand-up India Scheme on Individuals from Weaker Sections in Pune District

PRADIP THOMBARE; ANANT SHIVAJI IPPER

A Survey of the Effectiveness of the Stand-up India Scheme on Individuals from Weaker Sections in Pune District

Author(s)	Dr. PRADIP THOMBARE, ANANT SHIVAJI IPPER
Country	India
Abstract	This study presents a quantitative survey of the effectiveness of the Stand-Up India (SUPI) scheme, a critical policy instrument for financial inclusion and social welfare, on its target beneficiaries in Pune District, Maharashtra. The scheme is designed to facilitate bank loans between ₹10 lakh and ₹1 Crore to Scheduled Caste (SC), Scheduled Tribe (ST), and women entrepreneurs for setting up greenfield enterprises. While national-level data shows significant financial disbursement, with over ₹61,000 crore sanctioned by March 2025, there is a distinct lack of empirical, beneficiary-level data to assess its ground-level implementation and socio-economic impact. This research aims to fill that gap by empirically assessing the scheme's effectiveness and identifying implementation challenges from the beneficiary perspective within Pune, a key economic hub. A quantitative, cross-sectional survey design was employed, with data collected from 163 (N=163) SUPI beneficiaries using a non-probability convenience sampling method. The findings reveal a significant positive impact of the scheme on beneficiaries' monthly revenue (supporting H1) and a notable contribution to local employment generation. However, this effectiveness is shown to be highly contingent on the availability and quality of 'handholding support' (H2). Furthermore, the study identifies persistent operational barriers; a Chi-Square analysis (H3) confirms that women beneficiaries disproportionately face bureaucratic hurdles, while SC/ST beneficiaries struggle more with market access. The study concludes that while SUPI is successful as a financial disbursement tool, its full potential as a holistic entrepreneurial support system in Pune is unrealized due to correctable gaps in awareness, bureaucratic processes, and a 'one-size-fits-all' support structure.
Keywords	Stand-Up India, Financial Inclusion, Entrepreneurship, SC/ST Entrepreneurs, Women Entrepreneurs, Pune District, Social Welfare
Field	Business Administration
Published In	Volume 6, Issue 6, November-December 2025
Published On	2025-12-24

View / Download PDF File

E-ISSN 3048-7641

doi

CrossRef DOI is assigned to each research paper published in our journal.

AIJFR DOI prefix is
10.63363/aijfr

Downloads

Research Paper Format Copyright Permission Form and Undertaking Form

All research papers published on this website are licensed under Creative Commons Attribution-ShareAlike 4.0 International License, and all rights belong to their respective authors/researchers.

CC-BY-SA

About AIJFR Fees & Payment Current Issue Publication Archive	Submit Research Paper Track Submission Status Publication Guidelines Publication Ethics Peer Review & Plagiarism	Join as a Reviewer Editors & Reviewers Reviewer Referral Program Get Reviewer Membership Certi.	Website/Journal Policies Usage Policy Content Policies Privacy Policy

Contact Us		+91-9898-79-39-59	editor@aijfr.com

Advanced International Journal for Research

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

A Survey of the Effectiveness of the Stand-up India Scheme on Individuals from Weaker Sections in Pune District

Share this