PM SVANidhi (Street Vendor's AtmaNirbhar Nidhi)
Department / Authority: Ministry of Housing and Urban Affairs
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What this service does
Official micro-credit scheme portal for urban and peri-urban street vendors to obtain affordable collateral-free working capital loans with 7% interest subsidy and cashback on digital transactions.
Who can use it / Eligibility
Street vendors possessing Certificate of Vending / Identity Card issued by Urban Local Bodies (ULB) or Letter of Recommendation (LoR).
What you'll need (Documents Required)
- 1Aadhaar Card
- 2Vending Identity Card / Certificate of Vending or ULB Letter of Recommendation (LoR)
- 3Bank Account Passbook
- 4Active Mobile linked with Aadhaar
How it works (Step-by-Step)
- 1Visit pmsvanidhi.mohua.gov.in and click 'Apply for Loan'.
- 2Enter Aadhaar-linked mobile number to receive OTP.
- 3Select Vending Category (with Vending Card / ULB survey list / LoR).
- 4Fill in personal and vending details, choose preferred Lending Institution (Public/Private Bank/MFI), and submit application.
- 5Bank verifies and disburses 1st tranche loan of ₹10,000 directly to vendor's bank account.
Apply with assistance at nearest Common Service Centre (CSC) or Urban Local Body (ULB) municipality office.
Key Service Facts
Zero Processing Fee (Collateral Free)
Loan sanction within 7-10 working days
1800-111-979
Every URL, document list, and fee requirement is verified against gov.in or nic.in portals. (pmsvanidhi.mohua.gov.in).
Transactions occur only on government websites. Never share OTPs or passwords with third parties.