Pradhan Mantri Swanidhi Yojana – Sampurn Jankari

Pradhan Mantri SVANidhi Yojana 2024: Thelewale Bhaiyon Ka Loan, Seedha Aapke Haath!

Abhi Apply Karein!

Bhumika: Apne Business Ko Udaan Dein!

Agar aap footpath par chai-samosa ya phal-sabzi bechte hain aur business badhana chahte hain, toh PM SVANidhi Yojana aapke liye ek shandaar mauka hai! Yeh scheme aapko bina kuch girvi rakhe loan deti hai. Chalo, is yojana ko seedhi Hinglish mein samjhte hain!

PM SVANidhi Yojana 2024 – Sampoorna Guide
Scheme ka Naam	Pradhan Mantri Street Vendor’s AtmaNirbhar Nidhi (PM SVANidhi)
Department	Ministry of Housing and Urban Affairs
Shuru Kab Hua	1 June 2020
Latest Update	Extended till December 2024; 94.31 lakh loans disbursed worth ₹13,422 crore
Official Website	pmsvanidhi.mohua.gov.in
Helpline	1800-11-1979 Email: support-pmsvanidhi@gov.in
Scheme ka Uddeshya: Street vendors ko collateral-free loan dekar unka business badhana, financial inclusion laana, aur digital transactions ko promote karna. Yeh scheme Atmanirbhar Bharat ka hissa hai.
Scheme ki Visheshtayein: Collateral-Free Loan: Bina kisi girvi ke ₹10,000 se ₹50,000 tak loan. Low Interest: 7% annual interest with subsidy on timely repayment. Digital Push: UPI/QR code se ₹100/month cashback. Easy EMI: Monthly installments mein repayment. SVANidhi se Samriddhi: Socio-economic profiling for other welfare schemes.
Scheme ke Labh: Loan: ₹10,000 (1st), ₹20,000 (2nd), ₹50,000 (3rd) tak. Interest Subsidy: Timely repayment par 7% subsidy, effective rate ~5%. Cashback: Digital transactions pe ₹100/month tak. Business Growth: Stock badhane, stall upgrade karne ke liye paise. Financial Inclusion: Credit score banega, future loans asaan honge.
Patrata Maapdand: Common: Street vendors vending on/before 24 March 2020. Proof: Certificate of Vending/Identity Card by ULB or Letter of Recommendation (LoR). Age: 18 years or older. Repayment: Previous loan (if any) must be repaid timely for next tranche. Warning: Ek se zyada applications ya galat documents se ban ho sakta hai!
Zaroori Dastavej: Aadhaar Card Street Vendor Certificate/LoR (ULB se) Bank Passbook (Aadhaar-linked) 2 Passport Size Photos Mobile Number (Active, Aadhaar se linked) Pro Tip: Nagar Nigam se certificate banwa lo, CSC center free mein madad karega!
Kaise Apply Karein: Option 1: CSC Center Najdiki CSC center jayein. Operator se PM SVANidhi form mangwayein. Aadhaar OTP se verify karein. Documents upload karein aur form submit karein. Application ID note kar len. Option 2: Online Visit pmsvanidhi.mohua.gov.in. “Apply for Loan” click karein. Mobile number aur OTP se login karein. Form bharein: Vendor ID, business details, bank info. Documents upload karein aur submit karein. Option 3: Bank SBI, PNB, BoB jaise bank mein jayein. SVANidhi form mangein. Form aur documents submit karein. Offline Option: CSC center ya bank mein form free mein bharega. Koi extra charge nahi!
Subsidy Vivran: Scenario 1 (₹10,000 Loan): Detail Amount Loan Amount ₹10,000 Interest Rate 7% EMI ₹875/month Cashback ₹1,200/year Effective EMI ₹775/month Scenario 2 (₹20,000 Loan): Detail Amount Loan Amount ₹20,000 Interest Rate 7% EMI ₹1,165/month Cashback ₹1,200/year Effective EMI ₹1,065/month
Important Dates 2024-25: Last Date: 31 December 2024 (tentative) Loan Disbursal: 7-15 days post-approval Cashback Credit: Monthly for digital transactions Alert: WhatsApp forwards par bharosa mat karo! Official website ya CSC se check karein.
Galtiyan Jo Nahi Karni: Galat Documents: Aadhaar aur certificate mein naam alag toh rejection! Multiple Applications: Ek se zyada form bhare toh permanent ban! Fake Certificate: ULB se approved certificate hi valid. Extra Charges: Koi paisa mangta hai toh helpline par shikayat karein!
Aksar Puche Jane Wale Sawal: Q1. Agar vendor certificate nahi hai toh kya karein? Nagar Nigam ya ULB se LoR ya certificate banwayein. Q2. Kya loan se naya thela kharid sakte hain? Haan, stock, stall upgrade, ya naya samaan khareedne ke liye use kar sakte hain. Q3. EMI miss hone par kya hoga? Cashback nahi milega, aur penalty lag sakti hai. Bank se grace period ke liye baat karein. Q4. Application status kaise check karein? Track Here
Safalta ki Kahaniyan: “Raju (Delhi) ne ₹10,000 loan se chai stall ko naya look diya. UPI QR code lagwaya, ab ₹700 roz kama raha hai!” “Sunita (Mumbai) ne ₹20,000 loan se sabzi ka stock badhaya. Ab uska business double ho gaya!”
Helpdesk and Contact Details: Agar form bharte waqt koi problem ho toh: Queries Helpline: 1800-11-1979 Email: support-pmsvanidhi@gov.in Office Address Address: Ministry of Housing and Urban Affairs, Nirman Bhawan, New Delhi-110011 Website: pmsvanidhi.mohua.gov.in
Disclaimer: Yeh jankari official notifications aur pmsvanidhi.mohua.gov.in se li gayi hai. Kisi bhi changes ya updates ke liye official website regular check karein. Scheme bilkul free hai, koi “extra charge” mangta hai toh usse bachkar rahein.
Aakhri Tip: “Apna loan pakka karo! CSC center ya bank mein jayein, free mein form bharega. Yeh aapki mehnat ka samman hai!”
Author Info Publish Date: 22 June 2025 Last Updated: 22 June 2025 By: SarkariResults99 – Ek platform jo aapko sarkari yojanaon ki latest jankari deta hai