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PM SVANidhi Yojana is a scheme launched by the Prime Minister to make street vendors self-reliant. It is a central sector scheme launched in June 2020. Its aim is to make street vendors affected by the Kovid-19 pandemic financially self-reliant. How much financial assistance is available in this scheme? How to get? Where to apply? What are the rules etc. know the details in this post.
Government has started a loan scheme (Govt started Loan Scheme For Street Vendors) for PM Swanidhi Yojana, street vendors, lorry drivers or roadside shopkeepers. Its name is PM Svanidhi Yojana. The purpose of this scheme is to help street vendors in business. An amount of 5000 crores has been allocated by the government for this. No special rules have been applied for it. The deadline of PM Svanidhi Yojana In Gujarati has been extended till December 2024. Know how long to get a guarantee free loan? For this, know who will benefit from this scheme. And how to apply for it.
Features of PM Swanidhi Yojana
This scheme is of central sector
These street vendors will provide affordable working capital loans to those affected by the coronavirus pandemic.
The scheme has been implemented from March 2022.
Sellers Rs. Initial working capital upto 10000 will be provided in the form of loan.
The vendor will get interest subsidy at the rate of 7 percent on early or timely repayment of the loan.
A monthly cash-back incentive is also provided on digital payments.
Rs. 50-100. A monthly cashback in the range of Rs.
If the seller repays the first loan of Rs.10000 on time, he is further given another loan of Rs.20000 and Rs.50000.
In this scheme, the vendor does not have to provide any collateral security to get the loan.
Lending institutions under PM Svanidhi Yojana
Scheduled Commercial Banks
Regional Rural Banks
Non-Banking Financial Companies
Self Help Groups (SHG) Banks
Eligibility of States/UTs:
The scheme is available only to the beneficiaries of those states/UTs which have implemented the rules and scheme under the Street Vendors (Protection of Livelihood and Regulation of Street Vending) Act, 2014.
Small Industries Development Bank of India (SIDBI) will be the implementing partner of the Ministry of Housing and Urban Affairs for the administration of the scheme.
SIDBI will utilize a network of lending institutions including SCBs, RRBs, SFBs, cooperative banks, NBFCs and MFIs for implementation of the scheme.
What is the eligibility criteria for PM Svanidhi Yojana?
Before opting for PM Svanidhi Yojana online enrollment, the following eligibility factors are considered.
Vendors having valid identity cards issued by vending or Urban Local Bodies (ULBs) are eligible for assistance under this scheme.
If a person fails to produce a vending certificate and applies for a street vendor loan, he has to produce a letter of recommendation from the municipalities.
PM Swanidhi Yojana Official Website : Click Here