PM SVANidhi 2026: Rs 15,000 to Rs 50,000 Loan + Credit Card
📌Quick Facts & Summary
Key Benefit
1st loan up to Rs 15,000 (12 months), 2nd up to Rs 25,000 (18 months), 3rd up to Rs 50,000 (36 months).
Who Can Apply
Urban street vendors with a vending certificate / ID or a Letter of Recommendation from the ULB / Town Vending Committee.
Status / Deadline
Changed: restructured to 31 Mar 2030 with loans of Rs 15,000 / Rs 25,000 / Rs 50,000 and a UPI-linked RuPay credit card.
Official Portal
Helpline
1800-11-1979
Last Verified
15 October 2026
🔗 Important Action Links (Official Portals):
What is the Scheme?
Small collateral-free working capital loans for street vendors, with interest subsidy and cashback for digital payments.
Also known as: SVANidhi loan, rehri patri loan
Who is it for?
Urban street vendors with a vending certificate / ID or a Letter of Recommendation from the ULB / Town Vending Committee.
Benefits and Financial Assistance
| # | Key Benefit / Entitlement Details | Category / Mode |
|---|---|---|
| 1 | 1st loan up to Rs 15,000 (12 months), 2nd up to Rs 25,000 (18 months), 3rd up to Rs 50,000 (36 months). | Primary Benefit (DBT/Subsidy) |
| 2 | 7% interest subsidy on timely repayment. | Direct Support |
| 3 | Digital transaction cashback. | Direct Support |
| 4 | UPI-linked RuPay credit card (Rs 10,000 rising to Rs 30,000) after repaying the 2nd loan. | Direct Support |
Eligibility Criteria
Applicants must meet the following eligibility conditions:
- Street vendor in an urban area with CoV/ID or LoR.
- Credit card: age 21 to 65 with Aadhaar and PAN.
Documents Needed
Keep the following documents ready before submitting your application:
- ✓ Aadhaar (linked to mobile)
- ✓ Vending certificate / ID card or LoR
- ✓ Bank account
How to Apply Online (Step-by-Step)
- Apply on pmsvanidhi.mohua.gov.in with Aadhaar OTP.
- Upload documents; lender sanctions and disburses.
How to Apply Offline
- Get help at the ULB office or CSC.
How to Check Application / Payment Status
- Check status on the portal with mobile / application number.
Official Website and Helpline Numbers
| Official Portal | https://pmsvanidhi.mohua.gov.in ↗ |
|---|---|
| Helpline / Contact | 1800-11-1979 |
| Nodal Ministry | Ministry of Housing and Urban Affairs |
Important Dates & Milestones
Lending period to 31 Mar 2030. Checked 15 Oct 2026.
Frequently Asked Questions (FAQs)
❓ How much loan first?
Up to Rs 15,000.
❓ Do I need a guarantor?
No.
❓ Is there a credit card?
Yes, after repaying the 2nd loan.
❓ No vending certificate?
Get a Letter of Recommendation from the ULB.
Sources & Official References
All facts on this page were verified on 15 October 2026 from the following official government sources:
- PM SVANidhi portal: https://pmsvanidhi.mohua.gov.in/ [blocked our server check (HTTP 000), likely IP/geo filtering; link taken from official search results, open it from India to confirm] ↗
- Revised guidelines Jan 2026 (PDF): https://www.mohua.gov.in/static/uploads/2026/01/bde957bc3a87fb001c05ddd09484edda.pdf [resolves (HTTP 206)] ↗
- Credit card guidelines: https://www.pmsvanidhi.mohua.gov.in/Default/ViewFile/?id=Credit+Card+guidelines.pdf&path=MiscFiles [blocked our server check (HTTP 000), likely IP/geo filtering; link taken from official search results, open it from India to confirm] ↗
- PIB on restructuring: https://www.pib.gov.in/PressReleasePage.aspx?PRID=2161157&lang=1®=3 [resolves (HTTP 200)] ↗
Fact-Check Verification: This scheme entry was reviewed and fact-checked by Abhishek (govtschemes.net) using official PIB releases, ministry guidelines, and gazette records.
If you notice any outdated rule or change, please report a correction.
Related Central Government Schemes
Other central government schemes in the same sector and target audience:
Notice: govtschemes.net is not a government website. We are an independent information site. Always confirm eligibility and apply only on official government portals.