PM SVANidhi Yojana | Street Vendors Sarkari Loan Yojana

PM SVANidhi Yojana ek Central Government scheme hai jisme street vendors ko collateral-free working capital loan diya jata hai.

Jaane iska process, eligibility, benefits aur repayment details.

Table of Contents

Introduction

Aaj ke samay mein kai log apna rozgaar chalane ke liye street vending karte hain jaise chai, pakode, sabzi, phal, chhoti dukaan ya rehdi. Lekin pandemic ke baad in vendors ko financial problem face karni padi. Inhi problems ko solve karne ke liye sarkar ne Pradhan Mantri Street Vendor’s Atmanirbhar Nidhi (PM SVANidhi Yojana) shuru ki.

Ye scheme Ministry of Housing and Urban Affairs ne June 2020 mein launch ki thi jiska main aim hai street vendors ko collateral-free loan provide karna taki wo apna business dobara start kar saken aur aage badha saken.

PM SVANidhi Yojana Kya Hai?

PM SVANidhi Yojana ek micro-credit facility hai jisme urban street vendors ko ₹10,000 se lekar ₹50,000 tak ka working capital loan diya jata hai bina kisi security ke. Is loan ko easy repayment terms ke sath diya jata hai aur agar borrower time par repay kare to unhe interest subsidy bhi milti hai.

Highlights of PM SVANidhi Yojana

Launch Date: June 2020
Implementing Ministry: Ministry of Housing and Urban Affairs
Loan Amount: ₹10,000 (First Tranche), ₹20,000 (Second Tranche), ₹50,000 (Third Tranche)
Repayment Tenure: 12 months se 36 months
Interest Subsidy: 7% tak directly bank account mein

PM SVANidhi Yojana Ke Objectives

Street vendors ko easy aur collateral-free loan dena.
Small vendors ka financial inclusion ensure karna.
Digital transactions promote karna aur cashback dena.
Street vendors ki livelihood ko secure aur sustainable banana.

Eligibility Criteria

PM SVANidhi Yojana ka loan lene ke liye kuch eligibility conditions hoti hain:

Applicant ek street vendor / rehdi wala / hawker / thela wala hona chahiye.
Vendor ka naam Urban Local Body (ULB) ke survey list mein hona chahiye.
Agar survey list mein naam nahi hai, to vendor Letter of Recommendation (LoR) ke basis par apply kar sakta hai.
Age 18 years se upar honi chahiye.
Vendor ke paas valid ID proof aur business place hona chahiye.

Loan Amount & Repayment Process

First Loan: ₹10,000 ka working capital loan jo 12 months mein repay karna hota hai.
Second Loan: Agar pehla loan successfully repay kar diya jata hai to vendor ₹20,000 ka loan le sakta hai.
Third Loan: Successful repayment ke baad ₹50,000 tak loan available hota hai.

Interest Subsidy

Borrowers ko 7% annual interest subsidy milti hai jo unke Direct Benefit Transfer (DBT) account mein jati hai.

Digital Transaction Cashback

Street vendors ko digital payment karne ke liye encourage kiya jata hai. Iske liye unhe cashback diya jata hai:

Monthly 50 transactions par ₹50 cashback
Monthly 100 transactions par ₹100 cashback
Monthly 200 transactions par ₹200 cashback

PM SVANidhi Yojana Apply Online Process

PM SVANidhi Yojana mein apply karne ke liye applicant ko official portal ya nearest bank jana hota hai.

Step by Step Online Application Process

Official website visit karein: pmsvanidhi.mohua.gov.in.
Apply Loan 1st Tranche par click karein.
Apna mobile number dal kar OTP verify karein.
Required documents upload karein – Aadhaar, Voter ID, Vendor Certificate ya LoR.
Bank details fill karein aur application submit karein.
Bank verification ke baad loan disburse ho jata hai directly applicant ke account mein.

Documents Required for PM SVANidhi Loan

Aadhaar Card
Voter ID / Driving License
Street Vendor Certificate / LoR
Bank Passbook copy
Passport size photograph
Mobile number linked with Aadhaar

Benefits of PM SVANidhi Yojana

Collateral-free loan bina security ke.
Low interest rate aur 7% subsidy.
Digital payment cashback.
Financial stability aur apna business expand karne ka mauka.
Repeat loans milne ki facility.

Challenges in Implementation

Har vendor ka naam survey list mein nahi hota.
Awareness kam hone ki wajah se kai log apply nahi kar pate.
Documentation process kuch vendors ke liye tough hota hai.

Conclusion

PM SVANidhi Yojana street vendors ke liye ek game changer scheme hai jo unhe financial support deti hai bina kisi collateral ke. Is scheme ki wajah se lakhs of vendors ne apna chhota business dobara khada kiya hai aur apni livelihood secure ki hai. Agar aap bhi street vendor hain to aaj hi PM SVANidhi Yojana apply online karke iska benefit uthaiye.

FAQs – PM SVANidhi Yojana

Q1. PM SVANidhi Yojana mein maximum kitna loan milta hai?
Aapko step-by-step ₹10,000, ₹20,000 aur ₹50,000 tak ka loan mil sakta hai.

Q2. Kya PM SVANidhi loan lene ke liye collateral dena padta hai?
Nahi, ye poori tarah se collateral-free loan hai.

Q3. PM SVANidhi Yojana mein interest rate kitna hai?
Market rate ke according interest lagta hai, lekin borrower ko 7% annual subsidy di jati hai.

Q4. Agar vendor survey list mein nahi hai to kya kare?
Wo Letter of Recommendation (LoR) ke basis par apply kar sakte hain.

Q5. PM SVANidhi Yojana ke liye apply kahan karein?
Aap pmsvanidhi.mohua.gov.in par online apply kar sakte hain ya nearest bank branch mein jaa sakte hain.

Disclaimer: This article is for informational purposes only and does not guarantee any earnings or financial results. Readers are advised to do their own research or consult a financial advisor before making any decisions.