Rehdi, thela, sabzi, chai, phal ya footpath par dukaan lagate hain? PM SVANidhi mein bina guarantee ₹15,000 → ₹25,000 → ₹50,000 tak loan milta hai, aur time par EMI bharne par 7% byaj wapas. Neeche apni EMI aur asli kharcha dekhein — free, no login.
PM SVANidhi Loan Calculator
Street vendor loan: see your EMI, the 7% interest subsidy you get back, and your real cost. रेहड़ी-पटरी लोन — EMI, सब्सिडी और असली खर्च।
Free estimate, not a loan offer. Rules: PM SVANidhi restructured scheme (Cabinet, Aug 2025), lending till 31 March 2030 — pmsvanidhi.mohua.gov.in. PM SVANidhi Scheme Guidelines, MoHUA (Jan 2026). Last checked 9 Oct 2026.
PM SVANidhi 2026 — ek nazar mein
| Loan | Amount | Samay | Kab milega |
|---|---|---|---|
| 1st | ₹15,000 tak | 12 mahine | Shuruaat mein |
| 2nd | ₹25,000 tak | 18 mahine | 1st loan time par chukane ke baad |
| 3rd | ₹50,000 tak | 36 mahine | 2nd loan time par chukane ke baad |
| Credit card | ₹10,000 limit se shuru (UPI-linked RuPay) | — | 2nd loan time par chukane ke baad |
- Byaj subsidy: 7% saalana — har quarter khate mein wapas, sirf time par bharne par.
- Collateral / guarantee: nahi chahiye. Margin money bhi nahi.
- Digital cashback: UPI/QR bikri par ₹100/mahina tak (₹1,200/saal) + ₹2,000+ ki wholesale khareed par ₹100/quarter tak (₹400/saal).
- Scheme kab tak: naye loan 31 March 2030 tak (Cabinet ne Aug 2025 mein badhaya).
Kaun le sakta hai
- Shehar / town mein rehdi-patri wala (street vendor) jiske paas nagar nigam ka Certificate of Vending / ID card ho.
- Survey mein naam chhoot gaya ho toh nagar nigam (ULB) ya Town Vending Committee se Letter of Recommendation (LoR) lekar bhi apply kar sakte hain.
- Aadhaar mobile se linked ho — OTP / e-KYC ke liye.
Apply kaise karein (step by step)
- pmsvanidhi.mohua.gov.in ya PM SVANidhi app par jaayein — ya nazdeeki CSC / bank / nagar nigam office mein madad lein.
- Aadhaar-linked mobile se OTP verify karein, vending certificate / LoR number daalein.
- Bank chunein, form bharein; bank 30 din ke andar loan deta hai (aam taur par).
- Loan milte hi UPI ID / QR lein — cashback isi se milta hai.
Galtiyan jo log karte hain
- EMI late karna — subsidy us quarter ki chali jaati hai aur agla loan ruk sakta hai.
- Sirf cash lena — ₹1,600 saal ka cashback chhoot jaata hai.
- Dalal ko paise dena — apply bilkul free hai.
PM SVANidhi credit card: who gets it and the limit
A UPI-linked RuPay credit card is given to vendors who have repaid their 2nd SVANidhi loan and are eligible for the 3rd. It starts with a ₹10,000 limit that is raised gradually up to ₹30,000, and is valid for 5 years. The card is guaranteed by CGTMSE, so no collateral is needed.
| Card detail | PM SVANidhi rule |
|---|---|
| Who | Repaid the 2nd loan, eligible for the 3rd |
| Limit | ₹10,000 at start, up to ₹30,000 |
| Validity | 5 years (renewal at the bank’s call) |
| Type | Domestic UPI-linked RuPay card |
| How to apply | Through your lending bank / institution — no agent needed |
Card rules: PM SVANidhi Scheme Guidelines, MoHUA (Jan 2026), section 5.2; operational guidelines for the card are issued separately by DFS.
Aksar pooche jaane wale sawaal
PM SVANidhi mein kitna loan milta hai? Pehla loan ₹15,000 tak (12 mahine), doosra ₹25,000 tak (18 mahine), teesra ₹50,000 tak (36 mahine). Har agla loan pichla time par chukane par milta hai.
PM SVANidhi par byaj kitna hai? Byaj bank tay karta hai (jaise SBI 9.90%, Oct 2025). Time par EMI bharne par 7% saalana byaj subsidy wapas milti hai, isliye asli byaj kaafi kam ho jaata hai.
Kya guarantee ya collateral chahiye? Nahi. PM SVANidhi loan bina collateral aur bina margin money ke milta hai.
PM SVANidhi credit card kya hai? 2nd loan time par chukane wale vendors ko UPI-linked RuPay credit card milta hai, limit ₹10,000 se shuru.
Vending certificate nahi hai toh? Nagar nigam ya Town Vending Committee se Letter of Recommendation (LoR) lekar apply kar sakte hain.
₹50,000 wala PM SVANidhi loan kaise milega? ₹50,000 teesra loan hai. Pehla (₹15,000) aur doosra (₹25,000) loan time par chukane ke baad milta hai, aur 36 mahine mein chukana hota hai.
Doosra loan kab le sakte hain? Pehla loan time par ya pehle chukate hi — prepayment par koi penalty nahi. Doosra loan ₹25,000 tak, 18 mahine ke liye milta hai.
Sources: PIB note “SVANidhi: Empowering Street Vendors” (Dec 2025), Cabinet decision Aug 2025, SBI PM SVANidhi page. Last checked 3 Oct 2026. Final loan decision bank ka hota hai.
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