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PM Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi)

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PM SVANidhi — ₹15,000 se ₹50,000 tak bina guarantee (collateral-free) loan, 3 tranche me

Seedha jawaab: ₹15,000 se ₹50,000 tak bina guarantee (collateral-free) loan, 3 tranche me.

Vibhag: Ministry of Housing and Urban Affairs (MoHUA), Bharat Sarkar — Department of Financial Services (DFS) ke saath sanyukt roop se lagu · Official portal: pmsvanidhi.mohua.gov.in · Jankari antim baar verify: 2026-10-20

Yojana ke baare me

PM SVANidhi path vikretaon (rehdi-patri, thela, khomcha wale) ke liye bina guarantee wala working capital loan hai. 27 August 2025 ko Cabinet ne yojana ka punargathan (restructuring) manzoor kiya — ab pehla loan ₹15,000 (pehle ₹10,000 tha), dusra ₹25,000 (pehle ₹20,000 tha) aur tisra ₹50,000 milta hai, aur lending 31 March 2030 tak badha di gayi hai. Samay par chukta karne par 7% saalana byaj subsidy milti hai, dusra loan chukane ke baad UPI-linked RuPay Credit Card ka praavdhan hai aur digital lein-dein par saal me ₹1,600 tak cashback milta hai. Kul parivyay ₹7,332 crore hai aur 1.15 crore vikretaon (jinme 50 lakh naye) tak pahunch ka lakshya hai.

Kaun patr hai ✓

  • Aap shahri kshetra me path vikreta (street vendor) hain — rehdi, thela, patri, khomcha ya chhoti dukaan/stall chalate hain
  • Aapke paas Urban Local Body (ULB) / Town Vending Committee (TVC) ka Certificate of Vending (CoV) ya pehchan patra hai
  • Yadi CoV nahi hai to aapka naam ULB ke street vendor survey me hai, ya aap ULB se Letter of Recommendation (LoR) le sakte hain
  • Punargathit yojana me coverage statutory towns ke aage badhkar census towns aur peri-urban (shahar se lage) kshetron tak bhi kram se badhaya ja raha hai
  • Aavedan ke liye aapki umar kam se kam 18 varsh hai aur Aadhaar se juda mobile number hai

Kaun patr NAHI hai ✗

  • Jo vyakti path vikreta nahi hai — yojana sirf street vendors ke liye hai, aam vyapaari/dukaandaar iske patra nahi hain
  • Jinke paas CoV, survey me naam ya ULB ka LoR — teeno me se koi pehchan saboot nahi hai (pehle ULB/TVC se LoR lena hoga)
  • Dusra ya tisra tranche pehle loan ki chukta ke bina nahi milta — jo vikreta pehle loan me default kar chuke hain, unhe agla tranche tab tak nahi milega jab tak bakaaya sulajh na jaye

Patrata ke niyam samay-samay par badal sakte hain. Awedan se pehle apni sthiti official portal par confirm zaroor karein.

Kaunse documents chahiye

Apply kaise karein — step by step

  1. Portal par jayein aur mobile verify kareinAadhikarik portal pmsvanidhi.mohua.gov.in par 'Apply for Loan' chunein. Aadhaar se juda mobile number daalkar OTP se verify karein. Aavedan CSC (Common Service Centre) ya bank shakha se bhi kiya ja sakta hai.
  2. e-KYC aur aavedan form bhareinAadhaar e-KYC ke baad apni vyaktigat jaankari, vending ka sthan/prakar aur bank khata vivaran bharein.
  3. Pehchan dastavej upload kareinCertificate of Vending (CoV) ya ULB ka Letter of Recommendation (LoR) upload karein. Survey list me naam hai to wahi vivaran form me apne aap mil sakta hai.
  4. Lender (bank) chunein aur submit kareinApne kshetra ke bank/NBFC-MFI ko lender chunein aur aavedan submit karein. Aavedan ULB aur bank ke paas janch ke liye jata hai.
  5. Bank janch ke baad loan khate meBank dastavejon ki janch karke pehla tranche ₹15,000 tak aapke bank khate me deta hai. Samay par chukta karne par dusra tranche ₹25,000 aur phir tisra ₹50,000 ke liye aavedan khulta hai.

Status / kist kaise check karein

  1. Portal par application status dekheinpmsvanidhi.mohua.gov.in par apne mobile number se login karke aavedan ki sthiti (pending/sanctioned/disbursed) dekhein.
  2. Bank se sampark kareinAavedan sanction ke baad vilamb ho to chune hue bank/lender ki shakha me aavedan sankhya ke saath sampark karein.
  3. Subsidy aur cashback check karein7% byaj subsidy har timahi (quarterly) aur digital cashback niyamanusar seedha bank khate me jama hota hai — bank statement/passbook me iski pushti karein.
Thagi se bachein: Awedan bilkul muft hai. Koi vyakti naam jodne ya kist jaldi dilane ke paise mange, OTP mange, to turant mana karein aur helpline ya najdeeki police se shikayat karein. Apply hamesha sirf official portal (pmsvanidhi.mohua.gov.in) se karein.

Aksar puche jaane wale sawal (FAQ)

PM SVANidhi me loan ki rashi kitni hai — ₹10,000 wali khabar sahi hai ya nayi?

Vartaman rashi nayi hai. 27 August 2025 ke Cabinet nirnay (PIB) ke baad pehla tranche ₹10,000 se badhkar ₹15,000 aur dusra ₹20,000 se badhkar ₹25,000 ho gaya hai; tisra tranche ₹50,000 hi hai. Purani ₹10,000/₹20,000 wali jankari ab purani pad chuki hai.

UPI-linked RuPay Credit Card kis ko aur kab milta hai?

PIB ke anusaar ye card un labharthiyon ke liye hai jinhone dusra loan chuka liya hai, taaki unhe vyapaar ya vyaktigat jarurat ke liye turant credit mil sake. MoHUA ki prastuti ke anusaar card ki limit ₹30,000 tak ho sakti hai — sahi limit aur shartein apne bank se pushti karein.

7% byaj subsidy kaise milti hai?

Loan samay par ya samay se pehle chukane par 7% saalana ki dar se byaj subsidy milti hai. Ye rashi har timahi seedha aapke bank/loan khate me jama hoti hai. Deri ya default par us avadhi ki subsidy nahi mil sakti.

₹1,600 cashback ka hisaab kya hai?

PIB (20 December 2025) ke anusaar digital retail (aam bikri) lein-dein par ₹1,200 tak (adhiktam ₹100 prati mahina) aur thok (wholesale) kharid par ₹400 tak (₹2,000 ya usse adhik ke lein-dein par ₹20 prati transaction, adhiktam ₹100 prati timahi) — kul ₹1,600 tak prati varsh.

Mera naam survey list me nahi hai, kya main aavedan kar sakta hoon?

Haan. Aap apni Urban Local Body (nagar palika/nagar nigam) ya Town Vending Committee se Letter of Recommendation (LoR) lekar aavedan kar sakte hain. Punargathit yojana me 50 lakh naye vikretaon ko jodne ka lakshya hai, isliye naye aavedako ke liye avsar khula hai.

Kya loan ke liye koi guarantee ya girvi rakhni padti hai?

Nahi. PM SVANidhi ka loan collateral-free hai — koi sampatti girvi ya guarantor nahi chahiye. Aavedan bilkul muft hai; koi agent ya bichauliya paise maange to mana karein aur sirf portal/bank/CSC ka hi upyog karein.

Jankari ke srot (Sources)

Koi jankari purani ya galat lage to Contact page par batayein — official source se verify karke turant sudhara jayega.

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