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Home › Govt. Schemes › PM SVANidhi – PM Street Vendor's AtmaNirbhar Nidhi

Street Vendors Micro Loan Urban Central Govt

🛒

PM SVANidhi – PM Street Vendor's AtmaNirbhar Nidhi

Ministry of Housing & Urban Affairs

Collateral-free working capital loans to street vendors: ₹10,000 → ₹20,000 → ₹50,000 with reward for digital transactions

Jun 2020

Launch

50 Lakh+ street vendors

Beneficiaries

⏱ Last updated: May 2026

📋

Overview & About

Collateral-free working capital loans to street vendors: ₹10,000 → ₹20,000 → ₹50,000 with reward for digital transactions

PM SVANidhi provides affordable working capital loans to street vendors to resume livelihoods affected by COVID-19 and beyond. The scheme has three loan tiers — first loan ₹10,000, second ₹20,000, third ₹50,000. Vendors who repay on time get enhanced credit and ₹1,200/year cash back incentive for digital transactions.

🛒 Key Facts

1st Loan ₹10,000

2nd Loan ₹20,000

3rd Loan ₹50,000

Cashback ₹1,200/year (digital txn)

🎁

Benefits

1st loan: ₹10,000 (collateral-free, 1-year tenure)
2nd loan: ₹20,000 (on timely repayment of 1st)
3rd loan: ₹50,000 (on timely repayment of 2nd)
7% interest subsidy on timely repayment
₹1,200/year cashback for digital transactions (₹100/month)
Credit score building for future formal credit access

✅

Eligibility Criteria

Street vendor vending in urban area (town, city)
Must have Certificate of Vending OR Letter of Recommendation from ULB/TVC
Vendors who received NULM loans also eligible
Vendors identified under PM SVANidhi survey

📄

Required Documents

Aadhaar Card
Certificate of Vending / Vending ID card
Bank account details
Mobile number
Photo

🚀

How to Apply

1

Visit pmsvanidhi.mohua.gov.in or nearest ULB/municipality office

2

Apply online or through lending institutions (banks, MFIs, SFBs)

3

Submit Aadhaar + vending certificate

4

Application verified by ULB

5

Loan disbursed to bank account within 30 days

↗ Apply on Official Website

❓

Frequently Asked Questions

I don't have a vending certificate. Can I still apply? ▾

Yes, vendors identified in the PM SVANidhi survey or holding a Letter of Recommendation from ULB/TVC are eligible.

Is there any interest subsidy? ▾

Yes, 7% per annum interest subsidy is available for timely loan repayment, credited quarterly to bank account.

↗ Apply on Official Website

Ongoing

Jump to Section

Overview & About Benefits Eligibility Documents How to Apply FAQs

Quick Facts

1st Loan ₹10,000

2nd Loan ₹20,000

3rd Loan ₹50,000

Cashback ₹1,200/year (digital txn)

Need Help?

For queries, visit the official ministry website or call the helpline.

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