Home Opportunities SIDBI LoanOperational Finance Assistance - STEP

SIDBI LoanRolling (Ongoing Application)Pan IndiaRolling BasisInstitutional Verified

Operational Finance Assistance - STEP

Administering Body: SIDBI

Official Financial Benefit / Grant CeilingsAudit Status: VERIFIED

> Financing upto Rs. 3 crore for existing customers and Rs. 2 crore for new customers. > Working capital term loan assistance for augmenting net working capital and/or to execute urgent confirmed orders. > Repayment upto 3 years including moratorium upto 6 months.

Source Trust & Audit Verification

Last Verified: October 2026

Provider ClassificationInstitutional VerifiedVerified SIDBI, IIT, IIM, accredited incubator or apex institutional entity.

Lifecycle / Application StatusRolling (Ongoing Application)Open for rolling or active cohort submissions.

Official Portal Linkwww.sidbi.inDirect institutional portal for submission

Data Completeness Score90% VerifiedCross-referenced against published nodal guidelines

Fee Structure & Cost Transparency

Not Stated by Source

To protect founders from predatory consulting claims, official statutory fees and optional advisory fees are strictly segregated below. Fee information reflects what is published on the official source.

Official Application FeeFee not stated on the official sourceOfficial source does not state an application fee. Verify on the portal.

Official Processing / Participation FeeProcessing fee not stated on the official sourceVerify processing/participation fees on the official portal

StartupLok Discovery Fee₹0 (100% Free)StartupLok does not charge for search, comparison, or checklist generation

Optional Advisory RetainerOptional Advisory Retainer: INR 20,000 + 18% GSTThird-party documentation assistance (Strictly Optional)

Advisory Transparency Notice: Any external consulting or legal retainer fees are completely optional services provided by third-party advisors. You can always apply directly through the official government or institutional portal. Where the official source does not state an application fee, we report “Not Stated” rather than assuming free — always verify on the official portal.

Documented Eligibility Requirements

Official Policy Extract

> Minimum 3 years operations, (2 years in case of Existing customer of SIDBI) > Operating profit during past 2 years, (1 year in case of Existing Customers) > No defaults to Bank/FIs

Target Industry Sectors

All Sectors

Specific sector scope: Working Capital

StartupLok Independent Analysis & Practical Considerations

Is This Opportunity Right For Your Startup?

Who Is Most Likely To Qualify

Entities with DPIIT incorporation vintage within 5–7 years, clean director CIBIL records, and working prototypes (TRL 4+) addressing documented sectoral priority areas.

Important Compliance Caveats

Institutional grants are milestone-disbursed against audited milestones. Ensure audited financial statements, promoter equity capitalization tables, and utility bills are in order before submitting.

Official Application Portal

Applications must be submitted directly through the designated institutional website:

Open Official Portalhttps://www.sidbi.in/working-capital

Frequently Asked Questions (Operational Finance Assistance - STEP)

What is the official funding benefit under Operational Finance Assistance - STEP?

Who is eligible to apply for Operational Finance Assistance - STEP?

> Minimum 3 years operations, (2 years in case of Existing customer of SIDBI) > Operating profit during past 2 years, (1 year in case of Existing Customers) > No defaults to Bank/FIs

What is the current application deadline for Operational Finance Assistance - STEP?

The application timeline is recorded as: Rolling Basis. Status: ROLLING.

How do I submit an application for Operational Finance Assistance - STEP?

Official applications must be filed through: https://www.sidbi.in/working-capital.

Is there an official application fee for Operational Finance Assistance - STEP?

No. The official administering body charges ₹0 (Free / No Official Fee) to apply. Direct discovery and official source access on StartupLok is 100% free.

Independent Discovery Platform Disclaimer: StartupLok is an independent information and discovery platform. We are not affiliated with, authorized by, or endorsed by the Government of India or any state government. All program names, department seals, and official portals belong to their respective statutory owners. Users may submit applications directly through official government portals free of charge or standard statutory fees.

Personalized Assistance & Document Prep

Need Help Applying for Operational Finance Assistance - STEP?

Avoid common application rejection triggers. Check detailed eligibility, prepare institutional compliance documents, and connect with experienced funding facilitators.

Scheme Specifications

Lifecycle Status:Rolling (Ongoing Application)

Source Authority:Institutional Verified

Funding Type:SIDBI Loan

Territory:Pan India

Deadline:Rolling Basis

Official Fee:Fee not stated on the official source

Last Verified:October 2026

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