PM SVANidhi Yojana — Pradhan Mantri Street Vendor’s AtmaNirbhar Nidhi — un lakho street vendors ke liye hai jo thela, rehdi ya footpath par sabzi, phal, chaat, kapde ya roz-marra ka samaan bechkar apna ghar chalate hain. Lockdown me inki aamdani band ho gayi thi, isliye sarkar ne 2020 me yeh yojana shuru ki: bina guarantee (collateral-free) working capital loan, 7% byaaj subsidy aur digital payment par cashback. Aur sabse badi khabar — August 2025 me Cabinet ne is yojana ko restructure karke 31 March 2030 tak badha diya hai, loan rakam badha di hai, aur total outlay ₹7,332 karod kar diya hai. Is post me poori jaankari — kaun le sakta hai, kitna milega, aur apply kaise karein.
Yojana Kya Hai: Restructured Scheme 2025
PM SVANidhi Yojana me pehle loan teen kishton me milta tha — ₹10,000, phir ₹20,000, phir ₹50,000. Restructured scheme me:
- Pehla loan: ₹15,000 (pehle ₹10,000 tha)
- Doosra loan: ₹25,000 (pehle ₹20,000 tha)
- Teesra loan: ₹50,000 (same hai)
Teeno loans collateral-free working capital hain — koi guarantee, koi property girvi nahi. Pehla loan time par chukane par doosra, doosra chukane par teesra milta hai. Sarkar ka lakshya hai 1.15 karod vendors tak pahunchna, jisme 50 lakh naye labharthi shamil hain. Yojana ab sirf statutory towns tak seemit nahi — census towns aur peri-urban areas bhi cover honge.
Kaun Le Sakta Hai: Eligibility
- Certificate of Vending (CoV)/ID card rakhne wale street vendors (ULB dwara jaari).
- ULB ke survey me pehchane gaye vendors jinke paas abhi CoV nahi hai.
- Survey me chhoot gaye ya uske baad vending shuru karne wale vendors — ULB/Town Vending Committee se Letter of Recommendation (LoR) lekar eligible ho sakte hain.
KYC documents: Aadhaar, aur Voter ID/PAN/MGNREGA card/Driving Licence me se koi ek.
Fayde: Subsidy, Cashback Aur Credit Card
1. 7% interest subsidy: Loan time par ya time se pehle chukane par saal me 7% byaaj subsidy milti hai — matlab aapka effective byaaj kaafi kam ho jaata hai. Subsidy seedha aapke account me aati hai.
2. Digital cashback — saal me ₹1,600 tak: Digital payment karne par cashback milta hai — digital transactions par ₹1,200 tak (mahine me max ₹100) aur wholesale kharid par ₹400 tak. Yeh chhota lag sakta hai, lekin ek rehdi wale ke liye saal ke ₹1,600 muft ke hain.
3. UPI-linked RuPay Credit Card — ₹30,000 tak: Doosra loan chuka dene wale vendors ko ₹30,000 tak ki limit wala UPI-linked RuPay credit card milta hai — isse vendor ka formal credit history banta hai, jo aage bade loans ke liye kaam aata hai.
4. Loan processing: Aausatan 23 din me loan process hota hai. PIB ke mutabik ab tak 75.5 lakh vendors 112 lakh se zyada loans le chuke hain aur ₹17,800 karod se zyada baanta ja chuka hai.
Worked Example: Subsidy Ka Hisaab
Maan lijiye Raju (sabzi vendor) pehla loan ₹15,000 leta hai, 12 mahine me chukata hai:
- Bank ka byaaj maan lein ~12% reducing balance par ≈ saal me lagbhag ₹990–1,000 byaaj
- Time par chukane par 7% subsidy ≈ ₹15,000 × 7% = ₹1,050 (pro-rata, lagbhag poora byaaj wapas)
- Digital cashback: roz ke UPI payments par saal me ₹1,200 tak
- Kul fayda: ~₹2,250 — loan ke byaaj se zyada! Matlab time par chukane wale vendor ko loan lagbhag muft padta hai.
(Yeh saral uddharan hai — actual subsidy loan ke outstanding balance par quarterly credit hoti hai.)
Apply Kaise Karein: Step-by-Step
- Portal kholein: pmsvanidhi.mohua.gov.in par “Apply for 15K/25K/50K” tab chunein.
- Mobile se login: Mobile number + OTP se login karein. Survey Reference Number (SRN) mandatory hai — yeh aapke ULB survey ka number hai.
- Form bharein: Personal details, vending details, KYC documents upload karein.
- LoR (agar zaroori ho): Survey me naam na ho to pehle ULB/Town Vending Committee se Letter of Recommendation lein.
- Submit aur tracking: Application submit karke status portal par track karein.
- Alternate tareeke: PM SVANidhi mobile app, najdeeki Common Service Centre (CSC), ya apne ULB office se bhi apply kar sakte hain.
PM SVANidhi vs Mudra Loan: Tulna
Dono hi chhote vyapariyon ke liye hain, lekin:
| Pehlu | PM SVANidhi | Mudra (Shishu) |
|---|---|---|
| Target | Street vendors | Koi bhi micro-business |
| Loan rakam | ₹15k → ₹25k → ₹50k | ₹50,000 tak (Shishu) |
| Guarantee | Collateral-free | Collateral-free |
| Byaaj subsidy | 7% (time par chukane par) | Nahi |
| Cashback | ₹1,600/saal tak | Nahi |
| Credit card | ₹30,000 RuPay card (2nd loan ke baad) | Nahi |
Street vendor ke liye SVANidhi zyada faydemand hai — subsidy + cashback ke kaaran effective cost lagbhag zero ho jaati hai.
Aam Galtiyan
- SRN ke bina apply karna: Survey Reference Number mandatory hai — pehle ULB se apna SRN/CoV confirm karein.
- Pehla loan default karna: Time par na chukane par doosra-teesra bada loan nahi milega, aur subsidy bhi nahi milegi. Pehla loan sabse zaroori hai.
- Cash payment karte rehna: Digital payment par ₹1,600 cashback milta hai — cash me bechne wale yeh fayda gawa dete hain.
- Farzii agents ko paisa dena: Yojana me apply muft hai — koi agent “loan dilane” ke naam par paisa maange to dhokha hai. CSC par nominal service charge ke alawa kuch nahi lagta.
- Teesre loan ke baad ruk jaana: ₹30,000 ka credit card aur achha credit history aage Mudra jaise bade loans ka darwaza kholta hai — iska fayda uthayein.
FAQs
Q1. Kya PM SVANidhi me guarantee deni padti hai?
Nahi. Teeno loans (₹15,000/₹25,000/₹50,000) collateral-free hain — koi property ya guarantee nahi chahiye.
Q2. Yojana kab tak chalegi?
Restructured scheme ki lending period 31 March 2030 tak hai (Cabinet ne is yojana ko restructure karke badhaya, August 2025).
Q3. Mera naam ULB survey me nahi hai — kya mai apply kar sakta hun?
Haan. ULB ya Town Vending Committee se Letter of Recommendation (LoR) lekar aap eligible ho sakte hain.
Q4. Subsidy kab aur kaise milegi?
Loan time par chukane par 7% per annum subsidy aapke bank account me credit hoti hai — aam taur par quarterly.
Q5. Kya mahila vendors ke liye koi vishesh pravdhaan hai?
Yojana sabhi eligible street vendors ke liye hai; mahila vendors bhi poori tarah eligible hain aur badi sankhya me labharthi hain.
Chhote business ke liye hamari Mudra loan guide aur PMEGP loan guide bhi padhein.
Yeh sirf jaankari hai, financial advice nahi hai.