PM SVANidhi Yojana 2026: Online Registration & Loan Application Form @ pmsvanidhi.mohua.gov.in

PM Svanidhi Yojana Online Application Form 2026 (प्रधानमंत्री स्वनिधि योजना)

PM SVANidhi Yojana or Pradhan Mantri Street Vendor's Atmanirbhar Nidhi (PM SVANidhi) Scheme 2026 is a main scheme launched on 1 June 2020 by Central government to provide short term collateral free loans to street vendors (rehdi / patri valas / phereewala). Union Cabinet restructured and extended the lending period of the scheme till 31 March 2030, and online applications are being invited through the official website pmsvanidhi.mohua.gov.in.

The restructured version now offers higher loan limits, a UPI linked RuPay Credit Card for eligible vendors and higher digital cashback. PM Svanidhi Yojana applications can also be made offline at banks or Common Service Centers to avail a loan. Eligible street vendors can check their name in the PM Svanidhi Yojana list of beneficiaries and their survey status through the official portal.

PM SVANidhi Yojana Online Application Form 2026

The apply online process for the street vendor scheme is open for fresh applicants and for existing vendors who want to move to the next loan tranche. Below is the complete process to apply by filling the PM SVANidhi online application / registration form.

STEP 1: Visit official website - Firstly visit the official website at pmsvanidhi.mohua.gov.in. The portal is live for the restructured scheme.

STEP 2: Apply for loan online - At the homepage, choose any option under the "Apply for Loan" tab, like "Apply for 15K", "Apply for 25K" or "Apply for 50K". Vendors who have repaid the second loan can also click "Apply Credit Card" to apply for the UPI linked RuPay Credit Card under the scheme.

STEP 3: Login using mobile number - In the login window, street vendors can apply online for PM SVANidhi by logging in with their mobile number. Enter the mobile number and click at the "Request OTP" button to get the one time password on that mobile phone. Afterwards, enter the received OTP and click at "Verify OTP" button.

STEP 4: Check Vendor Category - Here applicants can check vendor category from the following 4 options.

• First are those street vendors in possession of Certificate of Vending (CoV) / Identity Card issued by Urban Local Bodies (ULBs).
• Second are those street vendors who have been identified in the survey but have not been issued Certificate of Vending / Identity Card.
• Third are those street vendors left out of the ULB led identification survey or who have started vending after completion of the survey and have been issued Letter of Recommendation (LoR) to that effect by the ULB / Town Vending Committee (TVC).
• Fourth are those street vendors of surrounding development / peri-urban / rural areas vending in the geographical limits of the ULBs and have been issued Letter of Recommendation (LoR) to that effect by the ULB / TVC.

STEP 5: Select appropriate vendor category to proceed further - Applicant street vendors can choose any of the above given categories to proceed further and fill the PM Svanidhi Scheme online application form. The selection of category will show the vendor details as per the chosen category.

STEP 6: Registration using Aadhaar number - Afterwards, street vendors can register using Aadhaar verification. Upon entering Aadhaar number and clicking at the "Verify" button, an OTP will be sent on the mobile number registered in Aadhaar card.

STEP 7: Fill online application form - Accordingly on verification of Aadhaar OTP, the PM Svanidhi online application form will appear.

STEP 8: In this opened application form, street vendors can fill in all the details to complete the PM Svanidhi apply online process. Follow the "Understand the Loan Application requirements" section on the official portal to check eligibility before applying.

PM SVANidhi Yojana Highlights 2026-27

Extension of PM Svanidhi Yojana till March 2030

Central government approved the restructuring and extension of the PM SVANidhi scheme on 27 August 2025. The lending period has been extended till 31 March 2030 with a total outlay of ₹7,332 crore. The restructured scheme aims to benefit 1.15 crore street vendors, including 50 lakh new beneficiaries.

The enhanced loan structure now allows first tranche loans up to ₹15,000 (increased from ₹10,000) and second tranche loans up to ₹25,000 (increased from ₹20,000), while the third tranche remains at ₹50,000. Vendors from census towns and peri-urban areas are also now eligible to avail loans and other benefits under the scheme.

Apply for SVANidhi Yojana Letter of Recommendation

The street vendors who do not have any identity card or certificate to prove their status as vendors can apply online for the "Letter of Recommendation" which will help them avail a loan under the PM SVANidhi Yojana. For vendors in census towns and peri-urban areas, the LoR is issued by Block Development Offices after due verification.

How to Apply for LoR:

1. To apply online for the letter of recommendation, interested candidates can visit the official portal at https://pmsvanidhi.mohua.gov.in/ and click on the "Apply LoR cum Loan" option. Enter the mobile number which is attached to Aadhaar Number, and verify the OTP on the next screen.
2. On the next page, enter the Aadhaar number and verify the OTP to proceed.
3. After verifying the Aadhaar number, the loan application form will open. Fill all the required details and select "Yes" in the Request for Local enquiry report by the TVC/ULB (Request letter to the ULB) dropdown under the "Documents" section and click "Submit" button.

You can also apply offline for Letter of Recommendation with the Urban Local Body through a simple application on white paper to conduct local inquiry to ascertain the genuineness of the claim as vendor. ULBs have to dispose of the request for issue of LoR within a period of 15 days. After the vendor gets the LoR, certificate of vending or identity card is issued within a period of 30 days.

PM Svanidhi Loan Application Form PDF

To download the PM Svanidhi Yojana Loan Application Form in PDF format, visit the official PM SVANIDHI Scheme Portal at pmsvanidhi.mohua.gov.in. Go to the "Planning to Apply for Loan" section, follow the 3 steps before applying online. These 3 steps are: understand the loan application requirements, make sure the mobile number is linked to Aadhaar, and check the eligibility status as per scheme rules.

PM Svanidhi Application Form PDF: Download Now

Fill all the asked details accurately and submit it along with the required documents to the concerned officials / bank branch. The PM Svanidhi Portal continues to accept online loan applications for the extended lending period till 31 March 2030.

PM SVANidhi - Eligible Street Vendors List

Vegetables, fruits, ready-to-eat street food, tea, pakodas, breads, eggs, textile, artisan products, books / stationery sellers are among others who are considered eligible under the PM SVANidhi Yojana.

Barbershops, cobblers, pan shhops, laundery services are also included in the street vendors category and can avail loan of Rs. 50,000/- under this updated scheme.

Check your Survey Status / Street Vendor Survey Search

People can check their survey status whether they have been covered in the survey carried out by Urban Local Bodies (ULB) / Municipalities or not and can save their Survey Reference Number (SRN) for future reference. The direct link to check Street Vendor Survey Search is https://pmsvanidhi.mohua.gov.in/Schemes/SearchVendor

Here applicants will have to enter state, ULB name, name of street vendor, father / spouse name, mobile number, certificate of vending number and then click at the "Search" button to check survey status.

Beneficiaries List of PM SVANidhi Scheme

As per the initial data collected from state governments, around 1,24,50,592 street vendors were identified as eligible under the PM Street Vendor Atmanirbhar (PM SVANidhi) Scheme. Under the restructured scheme, the target has been raised to cover 1.15 crore street vendors including 50 lakh new beneficiaries.

As per the live dashboard on the official portal (accessed August 2026), over 1.40 crore eligible applications have been received, over 1.18 crore loans have been disbursed and a total of more than ₹19,203 croes have been disbursed under the scheme so far.

Lenders List for PM SVANidhi Yojana

The direct link to check lenders list for PM SVANidhi Yojana is https://pmsvanidhi.mohua.gov.in/Schemes/LenderList.

Upon clicking this link, the complete list of lenders will appear on the screen. Vendors can find the lender located near them and avail loan benefits easily.

PM SVANidhi Yojana Guidelines

The detailed guidelines of PM SVANidhi Scheme can be downloaded in PDF format. The revised 2026 scheme guidelines issued by the Ministry of Housing and Urban Affairs are available here - PM SVANidhi Scheme Guidelines 2026.

Street Vendors Scheme - State Wise Guidelines

PM SVANidhi Scheme Dashboard Online

PM SVANidhi online dashboard is dynamic and provides a single place for all stakeholders looking for information and tracking of progress of PM SVANidhi up to city level. The direct link to check the PMS Dashboard is given here - https://pmsvanidhi.mohua.gov.in/Home/PMSDashboard.

What is PM Svanidhi Yojana 2026

The main aim of PM Svanidhi Yojana is to make sure that daily wage earners like vegetable sellers and fruit sellers can continue to earn their livelihood. These short term loans help small street vendors to run their work which was badly hit duing the COVID-19 pandemic and lockdowns. The scheme was earlier announced by FM Nirmala Sitharaman in the Rs. 20 lakh crore Atmanirbhar Bhar at Abhiyan Package.

PM Svanidhi Yojana provides working capital loans in three tranches: first tranche loan up to Rs. 15,000 to be repaid in 12 months, second tranche loan up to Rs. 25,000 to be repaid in 18 months, and third tranche loan up to Rs. 50,000 to be repaid in 36 months. On timely or early repayment of a tranche, vendors become eligible for the next tranche with an enhanced limit. There is no penalty for early prepayment.

On timely or early repayment of the loan, an interest subsidy of 7% per annum is credited to the bank accounts of beneficiaries. This interest subsidy is credited through Direct Benefit Transfer (DBT) mode on a quarterly basis. There is no penalty on early repayment of loan.

The PM Svanidhi Scheme promotes digital transactions through cashback incentives up to Rs. 1,600 per year under the restructured version, covering both retail and wholesale purchases. Vendors who repay their second tranche loan are also eligible for a UPI linked RuPay Credit Card starting with a limit of Rs. 10,000 which can increase up to Rs. 30,000.

PM Svanidhi Yojana Loan Amount

Any street vendor can apply for the following loan amount under the restructured PM Svanidhi Scheme:-

• Rs. 15,000 Loan (First Term Loan) - For this, click "Apply 15K Loan" at the official website.
• Rs. 25,000 Loan (Second Term Loan) - For this, click "Apply 25K Loan" at the official website.
• Rs. 50,000 Loan (Third Term Loan) - For this, click "Apply 50K Loan" at the official website.

PM Svanidhi Yojana App Download at Google Play Store

PM Street Vendor's Atmanirbhar Nidhi (PM SVANidhi) App was launched by Ministry of Housing and Urban Affairs of Central Government on 17 July 2020. People can download and install the PM Svanidhi Mobile App on their smartphones from Google Play Store through the direct link. This PM SVANidhi mobile application provides a user-friendly digital interface for lending institutions (LIs) and their field functionaries. All applicant street vendors can apply online for loans, perform vendor search, and do e-KYC under the PM Street Vendors Atmanirbhar Nidhi Scheme through this app or through the pmsvanidhi.mohua.gov.in portal.

PM SVANidhi App by MoHUA helps field functionaries of LIs like Banking Correspondents (BCs) and Agents of Non-Banking Financial Companies (NBFCs) / Micro-Finance Institutions (MFIs), who have proximity with the street vendors, to ensure maximum coverage of the Pradhan Mantri Street Vendor Atmanirbhar Scheme.

PM Svanidhi Mobile App Download Link for Android Users

The Ministry of Housing and Urban Affairs launched the pmsvanidhi.mohua.gov.in website on 29 June 2020. Later, MoHUA launched the PM Svanidhi mobile app which has similar features as compared to the PM SVANidhi web portal. The direct link to download the PM Svanidhi Mobile App from Google Play Store is given here - PM Svanidhi Mobile App on Google Play.

PM SVANidhi Official Mobile Application provides an end-to-end solution to help Lending Institutions (Banks / NBFCs / MFIs) process loan applications of beneficiaries through their field agents.

Features of PM SVANidhi App

The PM SVANidhi App has the features which are described below:-

• Vendor search in the survey data
• E-KYC of applicants
• Processing of loan applications
• Real-time monitoring

PM SVANidhi Yojana - FAQ's

Here are the most frequently asked questions (FAQ's) about PM Svanidhi Yojana.