• Street vendor with vending certificate / vending zone identification
• Pre-existing vendor (had stopped during COVID is also eligible)
• Aadhaar + bank account
• Eligible for repeat loans on timely repayment

Loan ladder: Rs 10K (Year 1, 12-month tenure) → Rs 20K (Year 2, 18-month) → Rs 50K (Year 3, 36-month). 7% interest subvention from MoHUA. Rs 100/month cashback for digital transactions (up to Rs 1,200/year).

1. Apply at any bank or via mobile app — pmsvanidhi.mohua.gov.in or mobile app.
2. Submit Aadhaar + identification — Vendor certificate / urban local body certificate.
3. Bank verifies + sanctions in 30 days — No collateral.
4. Repay within tenure — Monthly EMIs.
5. On full repayment — eligible for next-tier loan — Auto-application for Rs 20K then Rs 50K.

• Aadhaar
• Bank account
• Vendor certificate (or urban local body letter)
• Mobile number

Loan disbursal: 30-45 days from application.

• Official portal: pmsvanidhi.mohua.gov.in
• Helpline: PM SVANidhi: 1800-1800-991

• No vendor certificate — get one from urban local body; many cities issue free.
• Bank refuses citing risk — escalate to SLBC PM SVANidhi coordinator.
• Repayment failure — penalty + disqualification from next-tier; talk to bank for restructuring.
• Digital cashback not credited — verify Aadhaar-bank-mobile link is active.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of disbursement / decision.

Auto-fill the PIO + your case: Open the AI RTI Drafter →

More schemes for you: All unorganised workers schemes

No — fully collateral-free. Govt bears credit risk via interest subvention + guarantee.

No — must complete Rs 10K → Rs 20K successfully first. Builds credit history.

Disqualified from next tier. CGTMSE backstops loss to bank but you owe principal + interest.

File RTI to DUSIB / urban local body + bank SLBC coordinator.

• All 150 Sarkari Yojanas
• 25 status-check guides
• 30 documents-required checklists
• 25 how-to-apply guides
• 16 rejection-recovery guides
• 10 audience-hub schemes
• 32 helplines + grievance routes
• Full RTI Playbook

• Official portal: pmsvanidhi.mohua.gov.in
• Issued by: Ministry of Housing & Urban Affairs
• Launched: 2020
• Citizen feedback via %%AwaazRTI%% (composite, identifying details removed)

Last reviewed: 26 April 2026.