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Business & EntrepreneurshipCentral Sector
Ministry of Housing and Urban Affairs (MoHUA)
PM SVANidhi (Micro-Credit for Street Vendors)
पीएम स्वनिधि (स्ट्रीट वेंडर्स आत्मनिर्भर निधि)
Working capital micro-credit to urban and peri-urban street vendors to rebuild and grow their informal vending livelihoods.
1. Target Beneficiaries (Who It Is For)
Urban and peri-urban street vendors, hawkers, thela-walas, and small roadside traders.
2. Why It Matches Your Profile (Gemini Reasoning)
Matches your broad demographic and occupation profile under central guidelines.
Criteria Met
- ✓State: Resident of All India
- ✓Category: Fits within General guidelines
- ✓Occupation: Aligns with job seeker status
3. Official Eligibility Criteria
Street vendors in urban areas holding Certificate of Vending / ID card issued by Urban Local Bodies (ULBs) or Letter of Recommendation (LoR).
Age Range18 - No Limit yrs
Income CeilingNo Income Cap
Target CategoryAll
Genderall
4. Scheme Benefits
Up to ₹50,000 loan + 7% interest subsidy
- Initial working capital loan up to ₹10,000, progressing to ₹20,000 and ₹50,000
- 7% interest subsidy on timely quarterly repayment
- Cashback incentive up to ₹1,200 per year on digital UPI transactions
5. Mandatory Documents Checklist
Vending Certificate / ULB ID or Letter of Recommendation
Aadhaar Card linked to mobile
Bank passbook details
UPI QR code / merchant details
6. Application Procedure (ONLINE)
1Visit pmsvanidhi.mohua.gov.in or PM SVANidhi mobile app
2Authenticate with Aadhaar OTP and check vendor survey status
3Select preferred bank and submit digitally
7. Official Verification & Portal Link
Host Portal: PM SVANidhi Portal
8. Application Deadline / Status
Active nationwide
Data Verification Stamp
Verified against official gazette on 2026-08-18