💼 Jobs, business & workers · Ministry of Housing & Urban Affairs
PM Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi)
Small working-capital loans for street vendors, with interest help and digital cashback.
What you get
Collateral-free loans in three steps, up to ₹50,000
🔗 Direct official links
These open the government website in a new tab. Applying there is free; never pay anyone for a form.
✅ Benefits
- Collateral-free working-capital loans in three steps; repay one to become eligible for a bigger one, up to ₹50,000.
- 7% interest subsidy for regular repayment.
- Cashback on digital (UPI) transactions.
👤 Who can apply
- Street vendors in urban areas with a Certificate of Vending / ID card from the urban local body, or identified in its survey, or with a Letter of Recommendation.
📄 Documents needed
- Aadhaar (linked with mobile)
- Vending certificate / ID card or Letter of Recommendation
- Bank account
📝 How to apply
- Apply on pmsvanidhi.mohua.gov.in, through a CSC, or at a bank / urban local body.
- Verify with Aadhaar OTP.
- The loan is paid into your account; repay in monthly instalments.
Benefits in detail
- Collateral-free working-capital loans in three steps; repay one to become eligible for a bigger one, up to ₹50,000.
- 7% interest subsidy for regular repayment.
- Cashback on digital (UPI) transactions.
Who can apply
- Street vendors in urban areas with a Certificate of Vending / ID card from the urban local body, or identified in its survey, or with a Letter of Recommendation.
Documents needed
- Aadhaar (linked with mobile)
- Vending certificate / ID card or Letter of Recommendation
- Bank account
How to apply, step by step
- Apply on pmsvanidhi.mohua.gov.in, through a CSC, or at a bank / urban local body.
- Verify with Aadhaar OTP.
- The loan is paid into your account; repay in monthly instalments.
Last checked against the official website: 26 Sept 2026
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