Yojana kya hai
PM SVANidhi June 2020 mein Housing and Urban Affairs ministry ne shuru ki, taaki street vendors working capital se apna kaam phir se shuru kar sakein aur badha sakein. Loan bank aur doosre lenders bina collateral dete hain.
August 2025 mein kya badla
27 August 2025 ko Union Cabinet ne scheme ke naye roop ko manzoori di:
| Pehle | Ab | |
|---|---|---|
| Pehla loan | ₹10,000 tak | ₹15,000 tak |
| Doosra loan | ₹20,000 tak | ₹25,000 tak |
| Teesra loan | ₹50,000 tak | ₹50,000 tak |
- Loan ab 31 March 2030 tak milenge.
- Doosra loan time par chukaane walon ko business aur personal zarooraton ke liye UPI se juda RuPay credit card mil sakta hai.
- Digital payments par ₹1,600 tak cashback.
Kaun apply kar sakta hai
Shehri ilaakon ke street vendors jinke paas:
- nagar nikay ka Certificate of Vending ya ID card ho, ya
- nagar nikay ya Town Vending Committee ka Letter of Recommendation (LoR) ho, jo PM SVANidhi portal se maanga gaya ho (survey mein chhoot gaye vendors ke liye).
Interest subsidy
Scheme regular chukaane walon ko interest subsidy deti rahi hai (guidelines mein 7% saalana), jo loan account mein aati hai. Scheme badalne ke baad ki shartein official portal par zaroor dekhein.
Apply kaise karein
- PM SVANidhi portal par khud, ya Common Service Centre, apne bank ya nagar nikay office ke zariye apply karein.
- Mobile se juda Aadhaar, vending certificate ya LoR aur bank account details taiyaar rakhein.
- Time par chukaayein: har loan chukaane par agla, bada loan milta hai.
SVANidhi ke baad
Business in amounts se aage badhe to agla kadam aam taur par PM Mudra Yojana ya bank aur NBFC ka business loan hota hai.
Oxon Fintech koi sarkari agency nahi hai aur is yojana ki applications nahi leta. Official portal ya bank branch par hi apply karein, aur yojana ka loan pass karaane ke naam par paise maangne walon se savdhaan rahein. Yojana ke rules badalte rehte hain; apply karne se pehle official site dekhein.