PM SVANidhi Yojana: Thela-Rehri Walon Ke Liye Loan, Eligibility aur Apply Kaise Karein (2026 Guide)

Subah 5 baje aap mandi se sabzi laate hain. Thela sajate hain. Din bhar dhoop mein khade rehte hain. Shaam tak jo bikta hai, usme se agle din ka maal kharidna hai, ghar ka kharcha nikalna hai, aur kabhi-kabhi kisi se roz ka byaj par paisa bhi lena hai. Kai thela walon ko ₹100 par ₹10 roz ka byaj bhi dena padta hai, aur paisa kabhi poora nahi bachta.

Fir kisi ne kaha, "Sarkar thela walon ko loan deti hai, PM SVANidhi." Aapne poocha, "Kitna milta hai? Kya bank wale mujhse kaagaz maangte hain jo mere paas nahi hain? Aur thela chalane wale ko kaun loan dega?"

Is guide mein hum PM SVANidhi loan ke baare mein seedha jawab denge. PM SVANidhi yojana kya hai, pehla, doosra aur teesra loan kitne ka hota hai, 7% interest subsidy aur digital cashback ka sach, kaun eligible hai, LoR kya hota hai aur kaise banta hai, kaunse documents lagte hain, apply kaise karein, aur ye Mudra loan se kaise alag hai.

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• PM SVANidhi (PM Street Vendor's AatmaNirbhar Nidhi) shehri street vendors ke liye working capital loan scheme hai, jo Housing and Urban Affairs Ministry ne 1 June 2020 ko shuru ki thi.
• Cabinet ke 27 August 2025 ke faisle ke baad loan teen tranche mein hai: pehla ₹15,000 (pehle ₹10,000), doosra ₹25,000 (pehle ₹20,000) aur teesra ₹50,000. Scheme ki lending March 2030 tak badhayi gayi hai.
• Samay par ya jaldi chukane par 7% ka interest subsidy milta hai. Digital transactions par cashback bhi hai, jo 2025 ke restructure ke baad ₹1,600 tak ka bataya gaya hai.
• Loan collateral-free hai. Eligibility mein vending certificate, ID card, ya ULB/Town Vending Committee se Letter of Recommendation (LoR) ka hona zaroori hai.
• Credit score nahi dekha jaata, par pehle se NPA account ho toh dikkat aa sakti hai (ek lender page ke mutabiq).
• SVANidhi ke naam par fee maangne wala har agent fraud ho sakta hai. Apply sirf official portal, CSC ya bank/MFI se karein.

1. PM SVANidhi yojana kya hai

PIB ke ek document ke mutabiq PM SVANidhi ko Housing and Urban Affairs Ministry ne 1 June 2020 ko launch kiya tha. Iska poora naam PM Street Vendor's AatmaNirbhar Nidhi hai. Ye ek collateral-free working capital loan scheme hai jo street vendors ke liye hai, yaani thela, rehri, patri ya footpath par saaman bechne wale log.

Scheme ka maksad ye hai ki street vendors ko saste aur surakshit loan se bahar nikalna jo aksar roz ke byaj par paisa lene wale logon ke chakkar mein phans jaate hain. Paisabazaar ke ek page ke mutabiq ye loan unsecured hai aur Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) ke tahat covered hai.

PIB ke Dec 2023 ke document mein ye bhi likha hai ki us tareekh tak 56.5 lakh se zyada street vendors ko iska fayda mil chuka tha, 78.99 lakh loans sanction hue the aur 74.35 lakh loans disburse hue the. Us document mein ye bhi diya gaya hai ki 44% beneficiaries mahilayein thi.

Ek zaroori baat: PM SVANidhi sirf shehri street vendors ke liye bani thi. 2025 ke restructure mein census towns aur peri-urban areas ko bhi phased tareeke se jodne ka elaan hua hai. Isliye agar aap gaon mein hain, toh ye scheme seedhe aapke liye nahi bani hai, par naye elaan ke baad shayad kuch peri-urban vendors ko LoR ke saath fayda mil sake. Apne ULB (Urban Local Body) se confirm kijiye.

2. PM SVANidhi loan: teen tranche ki table

PM SVANidhi loan ek saath bada nahi milta, ye cycle mein milta hai.

PM SVANidhi loan ek saath bada nahi diya jaata. Ye teen cycle (tranche) mein milta hai. Har agle tranche ke liye pehle wale ko samay par chukana zaroori hai.

Cabinet ke 27 August 2025 ke faisle ke baad (Tribune ki report ke mutabiq) naye slabs ye hain:

Tenure ke figures Paisabazaar, Utkarsh Small Finance Bank aur ClearTax ke pages ke mutabiq hain (pehla 12 mahine, doosra 18 mahine, teesra 36 mahine).

Ek zaroori baat. Paisabazaar ke page par teesre loan ke liye ye shart bhi likhi hai ki vendor ne pehle do tranche poore kiye hon aur kam se kam 6 mahine ki repayment period poori ki ho. Ye shart lender-wise alag ho sakti hai. Isliye apne bank ya MFI se confirm kijiye.

Dhyan dein: purani jaankari wali kai websites par ab bhi ₹10,000, ₹20,000, ₹50,000 likha milega. PIB ke Dec 2023 ke document mein bhi yehi figures hain, kyunki wo restructure se pehle ka document hai. 2025 ke baad ka jo bhi lender ya portal hai, wahan naye figures dekhiye. Jab bhi koi page padhein, uski date dekh lijiye.

PIB ke Dec 2023 ke document ke mutabiq lending ka period pehle March 2022 se badhakar December 2024 tak kiya gaya tha. 2025 ke Cabinet faisle ke baad ye lending period 31 March 2030 tak badhaya gaya hai, jiski kul laagat ₹7,332 crore batayi gayi hai. Is faisle ke mutabiq lagbhag 1.15 crore street vendors ko cover karne ka lakshya hai, jisme 50 lakh naye beneficiaries shaamil hain.

3. 7% interest subsidy aur cashback: sach kya hai

PM SVANidhi loan ki sabse badi khubi subsidy aur cashback hai, isliye isey dhyan se samajhna zaroori hai.

7% interest subsidy

PIB ke document mein likha hai ki scheme mein samay par ya jaldi chukane par 7 percent ka interest subsidy milta hai. ClearTax ke mutabiq ye subsidy quarterly vendor ke account mein credit hoti hai. Iska matlab ye nahi ki loan par byaj 7% hai. Iska matlab ye hai ki jo byaj lender lagata hai, uske upar sarkar 7 percentage point ka subsidy deti hai, agar aap samay par ya jaldi chukate hain.

Isliye subsidy ka fayda lene ke liye samay par kisht dena zaroori hai. Agar kisht late hui, toh subsidy par asar pad sakta hai.

Utkarsh Small Finance Bank ke page par 7% P.A. subsidy likhi hai aur Paisabazaar ke page par ye bhi likha hai ki subsidy claims March 2028 tak ke liye maanya hain (ye 2025 ke restructure se pehle ka page hai). Naye date ke liye official PM SVANidhi portal dekhiye.

Digital cashback

PIB ke Dec 2023 ke document mein cashback "up to ₹1,200 on digital transactions at ₹100 per month" likha hai. Paisabazaar ke page par bhi ye likha hai ki first 100 digital transactions par ₹1 per transaction, maximum ₹100 mahina, yaani ₹1,200 saal.

2025 ke restructure ke baad SVANidhi cashback par Tribune ki report ke mutabiq street vendors ab retail aur wholesale digital transactions par ₹1,600 tak ka cashback paa sakte hain. ClearTax ne ise "monthly cashback of up to ₹1,600" likha hai, jabki Tribune ne "cashback incentives of up to ₹1,600". Dono sources ka matlab alag ho sakta hai, isliye exact monthly ya saalana limit ke liye official PM SVANidhi portal dekhiye.

SVANidhi cashback ka fayda uthane ke liye UPI ya QR code se payment lena shuru kijiye. Iska ek aur fayda ye hota hai ki aapka bank statement aapke business ki asli kamai dikhata hai, jo aage ke loans mein kaam aata hai.

UPI-linked RuPay Credit Card

2025 ke restructure ke baad ek naya fayda ye bhi hai ki jo vendors apna doosra loan successfully chuka denge, unko UPI-linked RuPay Credit Card di jayegi (Tribune ki report ke mutabiq). Is card ki limit aur terms ke baare mein abhi hamare paas koi sourced jaankari nahi hai, isliye wo detail yahan nahi di ja rahi.

4. PM SVANidhi eligibility: kaun yogya hai

PM SVANidhi eligibility ka sawal sabse zyada poocha jaata hai, isliye ise detail mein dekhte hain.

PIB ke Dec 2023 ke document ke mutabiq purani eligibility ye thi: vendor 24 March 2020 ya usse pehle urban areas mein vending kar raha ho, aur uske paas ye mein se koi ek ho: ULB se Certificate of Vending ya Identity Card, survey mein identify hona, ya ULB/Town Vending Committee se Letter of Recommendation (LoR).

2025 ke baad ClearTax ke page ke mutabiq vendors chaar categories mein aa sakte hain:

1. Jinke paas ULB ka vending certificate ya identity card hai.
2. Jo survey mein identify hue hain par certificate abhi baaki hai (provisional certificate).
3. Jinke paas ULB ya Town Vending Committee ka LoR hai.
4. Peri-urban areas ke vendors jinke paas LoR hai.

Utkarsh Small Finance Bank ke page par kuch aur conditions likhi hain: age 18 se 60 saal, maximum debt load household income ka 50%, aur ye ki same kaam ke liye kahin aur se loan na liya ho. Ye ek lender ke page par hain, isliye har lender mein alag ho sakti hain.

Paisabazaar ke page ke mutabiq lenders loan application dekhte waqt credit score nahi dekhte, par agar aapka pehle se koi NPA account hai toh application mein dikkat aa sakti hai.

Dhyan dein: yeh saari conditions ek hi jagah par nahi milti. Isliye sabse safe hai ki apne ULB (nagar nigam ya nagar palika) se seedha poochiye ki aap kis category mein aate hain.

5. LoR kya hai aur kaise milta hai

LoR yaani Letter of Recommendation. ClearTax ke page ke mutabiq ye letter ULB ya Town Vending Committee dwara un vendors ko diya jaata hai jo survey mein nahi hain ya jinhone vending abhi nayi shuru ki hai.

Seedhe shabdon mein: agar aapke paas vending certificate ya ID card nahi hai, toh LoR aapki eligibility ka saboot ban sakta hai.

LoR ke liye aam taur par ye steps kaam aate hain. Ye ek practical salah hai, har shehar ka process alag ho sakta hai:

1. Apne shehar ke nagar nigam ya nagar palika ke office ya Town Vending Committee ke baare mein poochiye.
2. Apna Aadhaar, mobile number aur vending ki jagah ka detail le jaiye.
3. Kuch jagah vendors ko online application ya ward-level camp ke zariye LoR milta hai.
4. LoR ya certificate ki ek copy aur ek photo apne paas rakhiye.

Kisi ko LoR ke naam par paisa mat dijiye. Official process mein LoR ke liye fee ka koi zikr humare sources mein nahi mila. Agar koi paise maange, toh pehle ULB office mein confirm kijiye.

6. PM SVANidhi ke documents

PM SVANidhi ke documents zyada nahi hote, bas Aadhaar-mobile ka link zaroor check kijiye.

Paisabazaar ke page ke mutabiq aam taur par ye documents chalte hain:

• Certificate of Vending ya Identity Card (ULB se)
• Aadhaar Card (kuch rajyon mein Voter ID)
• PAN Card
• MNREGA Card
• Driving Licence

Utkarsh Small Finance Bank ke page par Aadhaar ya Voter ID ko mandatory likha hai, aur baaki mein Driving Licence, MNREGA Card ya PAN Card ka option diya hai.

Ek aur zaroori cheez: apna mobile number Aadhaar se link rakhiye. Online apply karte waqt Aadhaar-linked mobile par OTP aata hai. Ye link nahi hoga toh application atak sakti hai. ClearTax ke mutabiq apply karne ke steps mein mobile aur Aadhaar verify karna shaamil hai.

Ye saare documents ek folder mein rakhiye. Ek photocopy bhi rakhiye taaki bar-bar nikalna na pade.

7. PM SVANidhi apply kaise karein

PM SVANidhi apply karna aasan hai, bas official raasta chuniye.

ClearTax ke page ke mutabiq aap PM SVANidhi website par jaakar ya Common Service Centre (CSC) ke zariye apply kar sakte hain. Paisabazaar ke page ke mutabiq Banking Correspondent ya Micro-Finance Institution agent ke zariye bhi apply kiya ja sakta hai. Ye step-by-step process dekhiye:

Step 1: Apni PM SVANidhi eligibility check karein. Vending certificate, ID card, ya LoR ho. Agar kuch nahi hai toh pehle ULB se LoR ki baat kijiye.

Step 2: Documents taiyar rakhiye. Aadhaar, Aadhaar-linked mobile, aur ULB ka certificate ya LoR.

Step 3: PM SVANidhi apply karne ke liye official PM SVANidhi website par jaiye. Kisi third-party site par apni jaankari na daaliye.

Step 4: Loan amount chuniye. Pehli baar apply kar rahe hain toh pehla tranche.

Step 5: Mobile aur Aadhaar verify karein. OTP se verification hota hai.

Step 6: Personal aur vending ki details bhariye. Naam, address, vending ka prakar, jagah.

Step 7: Bank ya lender chuniye. Jo aapke najdeek ho ya jahan aapka account ho.

Step 8: Submit karein. Application ka reference number sambhal ke rakhiye.

Step 9: Follow up karein. Paisabazaar ke mutabiq poora process agar documents ready ho toh 30 din se kam mein ho sakta hai, aur status mobile app ya portal par track ho sakta hai. Ye ek page ka estimate hai, har case mein alag ho sakta hai.

Agar aap CSC par jaate hain, toh unhe batayiye ki aapko PM SVANidhi ke liye apply karna hai. CSC par sirf official fees (agar kuch hai) hi dijiye, aur receipt zaroor lijiye. Application ka status kaise check karein, iske baare mein hum Mudra ke liye mudra loan status guide pehle bana chuke hain. SVANidhi ka process alag hai, par reference number sambhaalne ki aadat dono mein kaam aati hai.

Agar bank bina wajah ke taal-matol kare, toh grievance ladder wahi hai jo mudra loan complaint guide mein hai: branch grievance officer, bank ka nodal officer, PG portal aur RBI Integrated Ombudsman.

8. Ek hisaab: EMI aur subsidy ka asar (udaharan)

Ye hisaab sirf samjhane ke liye hai. SVANidhi ke loan par byaj lender tay karta hai, aur humare paas koi sourced rate nahi hai. Isliye hum maan kar chalte hain ki lender 12% saalana byaj leta hai, aur 7% subsidy ko ek saral tareeke se aise samajhte hain ki ye effective byaj ko kam kar deta hai (maan lijiye 5% tak). Asli mein subsidy kaise credit hoti hai aur kitni, wo scheme ke niyam aur lender par depend karta hai.

Is table se ek baat samajh aati hai: agar aapka byaj subsidy ke baad kam ho jaye, toh teesre loan mein kul byaj kafi kam banta hai. Is liye samay par kisht dena itna zaroori hai. Ek kisht chhootne se subsidy ka fayda ghat sakta hai.

Ek aur dhyan dene wali baat. Ye EMI aapke daily kamai ke saath match honi chahiye. Agar aap thele se roz ₹500 ki bachat karte hain, toh mahine ki bachat ₹15,000 ke aaspaas hogi. ₹1,333 ki EMI is par aasaan baithti hai. Par agar bachat ₹2,000 mahina bhi na ho, toh ek chhote loan se shuru kijiye.

9. PM SVANidhi aur Mudra loan: kya farak hai

Bahut log PM SVANidhi aur Mudra loan ko ek hi samajhte hain. Ye dono alag schemes hain:

Seedhi baat: agar aap ek thela ya rehri chalate hain aur aapko ₹15,000 se ₹50,000 tak ki zaroorat hai, toh SVANidhi pehle dekhne layak hai, kyunki isme subsidy aur cashback bhi hai. Agar aapko ₹50,000 se zyada chahiye, ya aap dukaan, machine ya workshop ke liye loan chahte hain, toh Mudra ka raasta khulta hai.

Ek aur khaas baat. UP ke CM YUVA scheme ki jaankari mein likha hai ki doosre subsidy wale schemes ka fayda le chuke log eligible nahi hote, lekin PM SVANidhi us list se bahar rakha gaya hai. Ye ek state scheme ki baat hai, aur iska detail hum alag guide mein de rahe hain.

Ye bhi dhyan rakhiye ki ek hi kaam ke liye doosre jagah se loan hone par SVANidhi mein dikkat aa sakti hai (Utkarsh Small Finance Bank ke page ke mutabiq). Isliye ek hi business ke liye do loan ek saath na lijiye. Pehle ek loan chukaiye, phir agle ke baare mein sochiye.

Mudra ke baare mein poori jaankari ke liye mudra loan 50000 se 5 lakh ki guide padhiye.

10. Teesre loan ke baad aage kya

Teesra tranche ₹50,000 ka hota hai. Agar aapka business badh gaya hai aur ₹50,000 se zyada chahiye, toh ye raaste ho sakte hain:

1. Mudra Shishu ya Kishore loan. ₹50,000 se upar ke loan ke liye. Isme aapka SVANidhi ka repayment record aapke kaam aa sakta hai, kyunki bank dekhta hai ki aapne pehle ka loan samay par chukaya.
2. Digital record banaiye. SVANidhi ke saath UPI se payment lene se aapka bank statement business ki kamai dikhata hai. Ye agle loan mein business proof ka kaam karta hai.
3. Ek chhote business ki taraf badhiye. Thele se ek chhoti dukaan, ya doosra thela, ya food stall. Iske liye project report banwa lijiye.
4. Training ka fayda uthaiye. 2025 ke restructure mein entrepreneurship, financial literacy, digital skills, marketing aur food safety standards par training ka zikr hai (Tribune ke mutabiq).

Ek aur cheez jo 2025 ke restructure mein joda gaya hai, wo hai monthly Lok Kalyan Melas, jinke zariye vendors aur unke parivar ko alag-alag sarkari schemes se jodne ki koshish ki jayegi (Tribune ke mutabiq). Agar aapke shehar mein aisa mela lage, toh zaroor jaiye.

Agar aap sabzi ya fruit ka thela chalate hain aur use bada karne ke baare mein soch rahe hain, toh agle kuch posts mein hum thela business par bhi alag se baat karenge. Abhi itna dhyan rakhiye ki ₹50,000 ke baad ka loan Mudra ke dayre mein aata hai, aur uske liye mudra loan without GST wali guide bhi kaam ki hai, kyunki zyadatar thela walon ke paas GST ya Udyam nahi hota.

11. Ek kaalpanik udaharan: Raju ka sabzi thela

Ye kahani kaalpanik hai. Naam aur jagah sirf samjhane ke liye li gayi hain.

Raju, Kanpur ke ek bazaar mein 8 saal se sabzi ka thela lagata hai. Roz subah mandi se maal laata hai. Kabhi paisa kam hota hai toh ek vyapari se ₹5,000 udhaar le leta hai, jiske badle roz ₹50 byaj dena padta hai.

Ek din ek dost ne bataya ki PM SVANidhi naam ki scheme hai. Raju ne poocha, "Mere paas toh koi certificate hi nahi hai." Dost ne kaha, "Nagar nigam mein jaake LoR ke baare mein poochho."

Raju nagar nigam ke office gaya. Wahan ek karmchari ne bataya ki survey mein uska naam nahi hai, par wo LoR ke liye apply kar sakta hai. Usne apna Aadhaar, mobile number aur thele ki jagah ka detail diya. Kuch din baad use LoR mil gaya.

Phir Raju ek CSC par gaya. Wahan usne PM SVANidhi ke liye apply kiya. Aadhaar-linked mobile par OTP aaya. Usne pehla tranche chuna. Bank ko apna detail diya. Kuch hafte mein loan sanction hua.

Raju ne PM SVANidhi loan ka paisa roz ke maal mein lagaya, aur purane byaj wale udhaar chuka diye. Usne UPI se payment lena bhi shuru kiya. Har mahine kisht samay par bhari. Ek saal baad usne doosre tranche ke liye apply kiya, aur use pehle se zyada loan mila.

Raju ne ek baat seekhi: scheme ka fayda tabhi hota hai jab aap samay par kisht dete hain aur kaagaz saaf rakhte hain. Aur LoR jaise kaagaz ke liye kisi agent ko paisa dene ki zaroorat nahi padti, bas nagar nigam mein ek chakkar lagana padta hai.

12. PM SVANidhi mein 5 kaalpanik rejection cases

Ye saare cases kaalpanik hain. Naam aur sthaan sirf samjhane ke liye hain.

Case 1: Ramesh, Lucknow. "Certificate nahi." Ramesh ke paas koi vending certificate nahi tha aur bank ne application mana kar di. Hal: usne nagar nigam se LoR ke baare mein poocha aur LoR milne ke baad dobara apply kiya.

Case 2: Sunita, Bhopal. "PM SVANidhi apply par mobile Aadhaar se link nahi." Sunita ka mobile number Aadhaar se link nahi tha, isliye OTP nahi aaya. Hal: usne Aadhaar centre jaakar mobile link karwaya aur phir apply kiya.

Case 3: Imtiyaz, Hyderabad. "Pehle se loan chal raha tha." Imtiyaz ne usi thele ke liye kahin aur se loan liya hua tha. Application mein dikkat aayi. Hal: usne pehle ka loan chukaya, phir SVANidhi ke liye apply kiya.

Case 4: Meena, Patna. "Doosre tranche ki kisht late." Meena ki pehle tranche ki kuch kishten late gayi thi, isliye doosre tranche mein deri hui. Hal: usne bank se baat ki, baaki kishten chukayi, aur phir dobara apply kiya. Subsidy bhi ghat gayi.

Case 5: Dilip, Indore. "Agent ne ₹1,000 liye." Ek agent ne SVANidhi loan pakka karwane ke ₹1,000 liye. Kuch nahi hua. Hal: Dilip ne 1930 par call kiya, shikayat darj ki aur nagar nigam ke office ja kar khud apply kiya.

Zyadatar rejections kaagaz, Aadhaar-mobile link aur samay par kisht na dene ki wajah se hote hain.

13. PM SVANidhi ke naam par fraud

Thela walon ko "sarkari loan" ke naam par thagne wale kai log hote hain, kyunki unke paas jaankari aur samay dono kam hote hain. In nishaanon par dhyan dijiye:

• Koi aapse "SVANidhi processing fee" ya "file charge" maange.
• WhatsApp par "PM SVANidhi approval letter" aaye aur kisi number par paise bhejne ko kahe.
• Koi bole ki "LoR banwane ke ₹X dijiye, loan pakka."
• Koi aapka OTP maange ya link par click karke KYC update karne ko kahe.

PIB Fact Check ne pehle Mudra loan ke naam par aise fake letters ko flag kiya tha. Isi tarah ke tareeke SVANidhi par bhi aazmaye ja sakte hain. Agar aap thagi ka shikaar ho jayein, toh 1930 par call karein aur cybercrime.gov.in par shikayat darj karein. Fraud ke tareeke aur bachne ki poori guide yahan hai: mudra loan fraud se kaise bachein.

14. PM SVANidhi ke 6 myths

Myth 1: PM SVANidhi mein ₹10,000 hi milta hai. Sach: Ye restructure se pehle ka figure hai. Cabinet ke 27 August 2025 ke faisle ke baad pehla loan ₹15,000 aur doosra ₹25,000 hai (Tribune ki report ke mutabiq).

Myth 2: SVANidhi par byaj 7% hota hai. Sach: 7% interest subsidy hai, yaani lender ke byaj par sarkar ki taraf se rahat, jo samay par ya jaldi chukane par milti hai. Lender ka byaj alag hota hai.

Myth 3: Certificate nahi toh PM SVANidhi eligibility nahi. Sach: LoR bhi eligibility ka ek roop hai. ULB ya Town Vending Committee se LoR mil sakta hai.

Myth 4: SVANidhi mein credit score dekha jaata hai. Sach: Paisabazaar ke page ke mutabiq lenders credit score nahi dekhte, par pehle se NPA account ho toh dikkat aa sakti hai.

Myth 5: SVANidhi sirf ek hi baar milta hai. Sach: Loan teen tranche mein hai. Samay par chukane par agla tranche mil sakta hai.

Myth 6: Agent ko paisa dene se loan jaldi milta hai. Sach: Official process mein agent ki zaroorat nahi hoti. Aisi maang fraud ka sanket hai.

15. PM SVANidhi ke FAQs

1. PM SVANidhi yojana kya hai? PM SVANidhi shehri street vendors ke liye collateral-free working capital loan scheme hai, jo 1 June 2020 ko shuru hui thi. Loan teen tranche mein milta hai.

2. PM SVANidhi mein kitna loan milta hai? 27 August 2025 ke Cabinet faisle ke baad pehla loan ₹15,000, doosra ₹25,000 aur teesra ₹50,000. Purani jaankari mein ₹10,000, ₹20,000 aur ₹50,000 likha milta hai.

3. PM SVANidhi ka byaj kitna hota hai? Lender byaj tay karta hai. Samay par ya jaldi chukane par 7% ka interest subsidy milta hai. Apne lender se byaj ka rate likhit mein poochiye.

4. PM SVANidhi eligibility kya hai? Shehri street vendor, jiske paas ULB ka vending certificate ya ID card ho, ya survey mein identify ho, ya ULB/Town Vending Committee ka LoR ho. Peri-urban vendors LoR ke saath eligible ho sakte hain.

5. LoR kya hota hai? Letter of Recommendation, jo ULB ya Town Vending Committee dwara un vendors ko diya jata hai jo survey mein nahi hain ya jinhone vending abhi shuru ki hai.

6. PM SVANidhi apply kaise karein (PM SVANidhi apply)? Official PM SVANidhi website par ya CSC ke zariye. Banking Correspondent ya MFI agent ke zariye bhi apply ho sakta hai. Aadhaar-linked mobile aur LoR ya certificate taiyar rakhiye.

7. PM SVANidhi ke liye kaunse documents lagte hain? Certificate of Vending ya ID card, Aadhaar (ya kuch rajyon mein Voter ID), PAN, MNREGA Card ya Driving Licence.

8. PM SVANidhi mein cashback kitna milta hai? Purane niyam mein ₹100 mahina (₹1,200 saal) tak. 2025 ke restructure ke baad ₹1,600 tak ka cashback bataya gaya hai. Exact limit ke liye official portal dekhein.

9. PM SVANidhi aur Mudra loan mein kya farak hai? SVANidhi shehri street vendors ke liye hai aur isme 7% subsidy hai. Mudra chhote businesses ke liye ₹50,000 se ₹10 lakh (aur Tarun Plus mein ₹20 lakh) tak ka loan hai.

10. PM SVANidhi ke naam par fraud se kaise bachein? Sanction se pehle koi fee na dein, aur sirf official portal, CSC ya bank/MFI se apply karein. Fraud hone par 1930 par call karein.

Sources

• PIB: PM SVANidhi document (Dec 2023): launch date, tranches, subsidy, cashback, eligibility, beneficiary figures
• Tribune India: Cabinet approves restructuring and extension of PM SVANidhi Scheme till 2030 (27 August 2025): naye slabs, outlay, cashback, credit card, expansion
• ClearTax: PM SVANidhi scheme (restructured scheme, tenures, subsidy, eligibility categories, apply process, LoR)
• Paisabazaar: PM SVANidhi scheme (tranches, documents, CGTMSE, credit score, application)
• Utkarsh Small Finance Bank: PM SVANidhi loan (tenures, age, documents)
• PIB: Pradhan Mantri MUDRA Yojana document aur PIB Fact Check (Mudra loan structure aur fraud alerts)

Disclaimer

Ye guide sirf jaankari ke liye hai. Ye financial, legal ya banking advice nahi hai. PM SVANidhi ke niyam, tranche amounts, subsidy aur cashback sarkar badal sakti hai. Apply karne se pehle official PM SVANidhi portal ya apne ULB aur lender se likhit mein confirm karein. EMI ka udaharan maan kar liye gaye rate par hai. Is post ki kahaniyan aur cases kaalpanik hain. MudraReady ka PM SVANidhi ya kisi sarkari sanstha se koi sambandh nahi hai.

Last updated: 4 October 2026