PM SVANidhi Yojana 2026 - Rehdi/Thela Walo Ko Rs 50,000 Tak Loan, Bina Guarantee
⚡ 30-SECOND SUMMARY
Quick Overview
Scheme Type
Loan
Amount
Rs 15,000 -> Rs 25,000 -> Rs 50,000
Interest Rate
7% interest subsidy + digital cashback
Deadline
Scheme extended till 31 March 2030
📄 Complete Guide▾
PM SVANidhi Yojana 2026 - Street Vendors Ka Apna Loan
PM SVANidhi Quick Info
| Cheez | Detail |
|---|---|
| Kiske liye | Street vendors - rehdi, thela, khomcha, patri dukandar |
| Loan (3 tranches) | Rs 15,000 -> Rs 25,000 -> Rs 50,000 |
| Guarantee/Collateral | Kuch NAHI - bina guarantee loan |
| Interest benefit | 7% tak interest subsidy |
| Extra fayda | UPI RuPay credit card (Rs 10K se 30K tak) + Rs 1,600/saal tak cashback |
| Scheme kab tak | 31 March 2030 tak extended (revamped) |
| Apply | pmsvanidhi.mohua.gov.in ya nazdeeki bank/CSC |
| Helpline | 1800-11-1979 (Mon-Sat, 9:30-6) |
Bhaiyon, agar tum ya ghar me koi rehdi/thela/patri pe dukan lagata hai - chai, sabzi, fal, chaat, kapde, kuch bhi - toh ye scheme seedha uske liye hai. Bank se bina guarantee loan, time pe chukao toh agla bada loan, aur digital payment lene pe cashback alag se.
Kitna Paisa Milta Hai? (3-Step Ladder)
| Tranche | Amount | Kab Milta Hai | Wapas Kaise |
|---|---|---|---|
| Pehla loan | Rs 15,000 | Pehli baar apply karne pe | 12 mahine ki EMI |
| Doosra loan | Rs 25,000 | Pehla time pe chukane ke baad | 18 mahine ki EMI |
| Teesra loan | Rs 50,000 | Doosra time pe chukane ke baad | 36 mahine ki EMI |
Ladder ka funda: har loan time pe chukao toh agla bada loan milta hai. Doosra tranche clear karne pe UPI-linked RuPay credit card bhi milta hai - Rs 10,000 limit se shuru, Rs 30,000 tak badh sakti hai.
Digital cashback: UPI/QR se payment lene pe saal ka Rs 1,600 tak cashback alag se milta hai. Matlab customer se QR pe paisa lo, sarkar se inaam pao.
Eligibility - Kaun Apply Kar Sakta Hai?
- Street vendor hona chahiye - shahri area (Urban Local Body/Nagar Nigam/Nagar Parishad ke area) me vending karne wala
- ULB ka Certificate of Vending (CoV) ya Identity Card ho toh direct eligible
- Certificate nahi hai lekin survey list me naam hai toh bhi eligible
- Survey me bhi naam nahi? ULB/Town Vending Committee se Letter of Recommendation (LoR) leke apply kar sakte ho
- Gaon ke aas-paas (peri-urban/rural) ke vendors jo shahri area me bechte hain - wo bhi eligible
PM SVANidhi Apply Kaise Kare - Step by Step
- pmsvanidhi.mohua.gov.in kholo aur Apply for Loan pe click karo
- Mobile number + OTP se login karo (Aadhaar-linked mobile best hai)
- Vendor category select karo (CoV hai / survey me naam hai / LoR chahiye)
- Form me Aadhaar, vending details, bank account bharo
- Documents upload karke submit karo - Application Number sambhal ke rakho
- Application nazdeeki bank ko jati hai - approval ke baad paisa seedha account me
- Online nahi ho pa raha? Nazdeeki CSC (Common Service Centre) ya bank branch me jaake bhi apply hota hai - process FREE hai
Documents: Aadhaar, bank passbook, CoV/ID card ya survey slip/LoR, mobile number. Bas.
Status Check + Wapas Kaise Kare
- Status: portal pe login karke Check Status me Application Number daalo - stage dikh jayega (submitted / sanctioned / disbursed)
- EMI: bank jo schedule de usi hisaab se - time pe chukane ka fayda seedha agle bade tranche me milta hai
- Kist atki ho: pehle apne bank branch me pucho, phir helpline 1800-11-1979
Scam Warning - SVANidhi Ke Naam Pe Fraud
- "Rs 500 file charge, loan pakka" - FRAUD. Application bilkul FREE hai, portal ya CSC dono jagah
- Fake websites (pmsvanidhi-yojana type private sites) - sirf pmsvanidhi.mohua.gov.in official hai
- "OTP batao, loan approve karwa dete hain" - FRAUD. OTP dete hi account khali ho sakta hai
- "Cashback claim karne ki fee" - FRAUD. Cashback automatic aata hai digital transactions pe
- Fraud ho jaye: cybercrime.gov.in | Cyber Helpline: 1930
FAQs
Q: PM SVANidhi me kitna loan milta hai? A: Teen tranches me - pehla Rs 15,000, doosra Rs 25,000, teesra Rs 50,000. Har agla tranche pichla time pe chukane ke baad milta hai.
Q: Kya PM SVANidhi loan ke liye guarantee chahiye? A: Nahi. Ye collateral-free loan hai - koi guarantee, koi property paper nahi lagta.
Q: PM SVANidhi kab tak chalegi? A: Scheme revamp karke 31 March 2030 tak extend ho gayi hai, 1.15 crore vendors ka target hai.
Q: Certificate of Vending nahi hai toh apply kar sakte hain? A: Haan. Survey list me naam hai toh direct, nahi toh ULB/Town Vending Committee se Letter of Recommendation (LoR) leke apply karo.
Q: UPI RuPay credit card kab milta hai? A: Doosra tranche (Rs 25,000) time pe clear karne wale vendors ko - Rs 10,000 initial limit, Rs 30,000 tak badh sakti hai.
Q: PM SVANidhi ka cashback kaise milta hai? A: QR/UPI se customer payments lene pe automatic cashback bank account me aata hai - saal ka Rs 1,600 tak.
Q: Gaon ka vendor apply kar sakta hai? A: Scheme urban vendors ke liye hai, lekin peri-urban/rural vendors jo shahri area me vending karte hain wo bhi eligible hain.
Q: PM SVANidhi helpline number kya hai? A: 1800-11-1979 (Monday-Saturday, 9:30 AM - 6 PM). Application number ready rakh ke call karo.
Sources & References
Official Portals:
- PM SVANidhi Portal - MoHUA - apply, status, scheme details
- IBEF - PM SVANidhi Scheme - scheme overview
Helpline:
- PM SVANidhi Toll-Free: 1800-11-1979 (Mon-Sat, 9:30-6)
- Cyber Crime (fraud report): 1930 | cybercrime.gov.in
Last Verified: 7 July 2026
Related Pages
🔗 IMPORTANT LINKS
Is Page ka Author
Abhishek - SkillUP Bihar
Sarkari Yojana Researcher
Content Researcher & Writer. Official govt sources se verified content. Bihar sarkari naukri expert. Har page kam-se-kam 2 official sources se cross-verified.
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