PM SVANidhi Yojana 2026: Street Vendors Ko Zero Guarantee Rs 50,000 Loan

PM SVANidhi Yojana 2026: Street Vendors Ko Zero Guarantee Par Rs 50000 Tak Loan - 7% Interest Subsidy

PM SVANidhi Yojana 2026 - Rehdi Patri, Chaat, Sabzi Walon Ko Bina Guarantee Rs 10,000 Se Rs 50,000 Tak Loan Kaise Milega

PM Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi) Yojana Ministry of Housing and Urban Affairs ne 1 June 2020 ko launch ki thi taaki street vendors jo Covid me barbaad ho gaye the unko dobara kaam shuru karne ke liye paisa mil sake. Is yojana ko December 2024 me December 2030 tak extend kar diya gaya hai aur loan amount bhi badha diya gaya hai. Ab tak 68.54 lakh se zyada vendors ko Rs 12,500 crore se zyada loan diya ja chuka hai aur 75 lakh se zyada applications approve ho chuki hain.

Zero Guarantee, Zero Collateral Kya Hai?

Is yojana me aap ko koi property, koi guarantee, koi collateral nahi dena padta. Sirf Aadhaar aur vending proof chahiye. Bank aap ko bina guarantee loan deta hai kyunki sarkar CGTMSE ke through guarantee deti hai. Is liye ye zero collateral loan hai.

Loan Ka Structure - 3 Step Loan

Pehla Loan: Rs 10,000 ka loan 12 mahine ke liye milta hai. Agar aap time par EMI dete ho to sarkar aap ko 7% per annum interest subsidy deti hai matlab aap ka effective interest zero ho jaata hai. Digital transaction karne par Rs 1,200 tak cashback bhi milta hai.

Dusra Loan: Pehla loan time par chukane ke baad aap ko Rs 20,000 ka dusra loan milta hai 18 mahine ke liye.

Teesra Loan: Dusra loan time par chukane ke baad aap ko Rs 50,000 ka teesra loan milta hai 36 mahine ke liye.

Har loan time par chukane par aap ka CIBIL score banta hai jo aage bank se bada loan lene me madad karta hai.

Kaun Eligible Hai? Kaun Se Vendors?

Sabhi street vendors jo 24 March 2020 se pehle vending kar rahe the - sabzi wala, phal wala, chaat pakoda wala, chai wala, mochi, dhobi, barber, pheri wala, book seller, toy seller sab eligible hain. Urban Local Body (ULB) se Certificate of Vending (CoV) ya Letter of Recommendation (LoR) ya ID Card hona chahiye. Agar ye nahi hai to bhi aap ULB se LoR le sakte hain. Mobile number Aadhaar se linked hona chahiye.

Documents Kya Chahiye?

Aadhaar Card, Mobile Number, Vending Certificate ya LoR, Bank Account (Aadhaar linked), Photo.

Apply Kaise Karein? Official Process

Step 1: Official website pmsvanidhi.mohua.gov.in par jayein. Step 2: Apply for Loan par click karein, mobile number daal kar OTP se login karein. Step 3: Aadhaar number daal kar eKYC karein. Step 4: Vending category select karein aur document upload karein. Step 5: Bank select karein - SBI, Bank of Baroda, PNB, Union Bank, HDFC, ICICI sab banks de rahe hain. Step 6: Bank 7 din me loan approve karta hai aur paisa aap ke account me aa jaata hai.

EMI Kitni Aayegi? Example

Rs 10,000 loan 12 mahine ke liye - EMI lagbhag Rs 894 per month, total interest Rs 730 jo subsidy ke baad wapas mil jaata hai.

Benefits

Zero guarantee, zero collateral, zero processing fee, 7% subsidy se interest free, digital cashback, CIBIL score banega, aur future me Mudra loan milne me aasani.Source: MoHUA, PIB, SBI SVANidhi Report 2026.