ભારત ના Street Vendors — ભાજીવાળા, ફ્રૂટ વાળા, ચા-ભઠ્ઠી, ઈડલી-ઢોસા, ભેળ-પૂરી, Cycle Repair, Key Maker — આ “Informal Economy” ના Heroes. COVID-19 Pandemic માં આ Vendors ની Livelihood Destroy. ભારત સરકારે Recovery Scheme: PM Street Vendor’s AtmaNirbhar Nidhi (PM SVANidhi) — 2020 Launch.
Table of Contents
Loan Structure (3 Rounds)
| Round | Amount | Condition |
|---|---|---|
| 1st Loan | ₹10,000 | New Application |
| 2nd Loan | ₹20,000 | 1st Repay On Time |
| 3rd Loan | ₹50,000 | 2nd Repay On Time |
Interest Rate: 7% — Interest Subsidy 7% = Effective Rate 0% (On Time Repayment)
Digital Transaction Incentive: Monthly ₹50-100 Cashback (UPI Transactions)
Eligibility
- Urban Street Vendor (શહેરી ફેરિયો)
- Vending Certificate / Letter of Recommendation (ULB — Urban Local Body)
- Aadhar Card + Active Bank Account / Jan Dhan
- Any Trade: Food, Non-Food, Service — OK
Documents
- Aadhar Card
- Bank Passbook / Jan Dhan Account
- Vending Certificate (Municipal / Nagar Palika)
- Surveyed Vendor Identity Card (ULB Survey)
- Mobile Number (OTP)
Apply Process
- pmsvanidhi.mohua.gov.in — Online Portal
- Mobile App: PM SVANidhi App
- Nearest Bank / MFI / SHG
- ULB (Nagar Palika / Municipality) Recommendation Letter ← 1st Step
Gujarat Cities: ULB Contact
- Ahmedabad: AMC (Ahmedabad Municipal Corporation)
- Surat: SMC
- Vadodara: VMC
- Rajkot: RMC
- Smaller Cities: Nagar Palika Office
Digital Training + FSSAI
SVANidhi Scheme = Loan + Digital + Training
- Digital Payment Training (UPI / QR Code)
- FSSAI Basic Registration (Food Vendors)
- Business Skills Workshop
SVANidhi ₹50K = Life Change:
₹10K → Push Cart Upgrade → ₹20K → Bigger Stock → ₹50K → Semi-Fixed Stall → Daily Income Double. Loan = Ladder, Not Burden (On Time Repay = 0% Interest).
Helpline: 1800-11-1979 (Toll Free)
