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RTIwala > Blog > How to Apply for PM SVANidhi Scheme: Eligibility & Steps

How to Apply for PM SVANidhi Scheme: Eligibility & Steps

Rw Team13by Rw Team13
March 25, 2025
How to Apply for PM SVANidhi Scheme by RTIwala
  1. Introduction to PM SVANidhi Scheme
  2. Key Features of the PM SVANidhi Scheme
  3. Eligibility Criteria for PM SVANidhi Scheme
  4. How to Apply for PM SVANidhi Scheme: Step-by-Step Process
  5. Conclusion: Ensure a Smooth Application with RTIwala

Introduction to PM SVANidhi Scheme

The Pradhan Mantri Street Vendor’s AtmaNirbhar Nidhi (PM SVANidhi) Scheme was introduced by the Government of India to support street vendors whose livelihoods were impacted by the COVID-19 pandemic. The scheme offers financial aid in the form of a working capital loan, allowing vendors to restart and sustain their businesses.

Key Features of the PM SVANidhi Scheme

  • Loan Amount: Street vendors can avail an initial working capital loan of up to ₹10,000 without any collateral, providing much-needed financial relief.
  • Interest Subsidy: Vendors who repay their loans on time can receive a 7% interest subsidy, reducing the financial burden.
  • No Penalty on Early Repayment: There is no penalty for early loan repayment, offering flexibility for vendors who wish to clear their dues sooner.
  • Incentives for Digital Payments: Vendors are encouraged to adopt digital payments and receive cashback on transactions, promoting financial inclusion and ease of business.

If you need additional details specific to your area, RTIwala can help you file an RTI online to access government-sourced information about PM SVANidhi benefits and requirements.


Eligibility Criteria for PM SVANidhi Scheme

Before applying, make sure you meet the following eligibility criteria:

  • Street Vendor Verification: Applicants must be recognized as street vendors by the Urban Local Bodies (ULBs) or possess a valid Street Vendor Certificate of Vending.
  • Location: The scheme applies to vendors operating within urban and semi-urban areas.
  • Vendor ID or Recommendation Letter: For those not included in the ULB survey, a Letter of Recommendation from the ULB or Town Vending Committee (TVC) is required.

For clarity on eligibility criteria specific to your state or locality, RTIwala offers a convenient online RTI filing service. This can help you receive official information directly from government sources, allowing you to proceed confidently.


How to Apply for PM SVANidhi Scheme: Step-by-Step Process

Step 1: Prepare Essential Documents

Ensure you have the following documents ready:

  • Identity Proof (Aadhaar, Voter ID, or PAN card)
  • Proof of vending activity, such as a Street Vendor Certificate or Recommendation Letter
  • Bank account details for loan disbursement

If you’re unsure about any required documents, RTIwala can assist you by filing an RTI to access an official list of necessary documents.

Step 2: Register on the PM SVANidhi Portal

Visit the official PM SVANidhi portal at pmsvanidhi.mohua.gov.in and use your mobile number to log in and begin the application process.

Step 3: Fill Out the Application Form

Carefully enter all details, including name, address, vendor ID, and bank account information, ensuring accuracy to prevent rejection.

Step 4: Submit Application and Track Status

Once submitted, note down your application number for tracking purposes. Check the status regularly on the PM SVANidhi portal. Should there be delays.


Why Use RTIwala for Your PM SVANidhi Application?

Many applicants encounter delays, unclear eligibility details, or application status issues. RTIwala offers an easy-to-use RTI filing platform that enables you to:

  • Resolve Delays: Find out why your application is pending and request expedited processing.
  • Gain Accurate Information: RTIwala provides you with direct, government-sourced information on loan benefits, eligibility, and application progress.
  • Track Your Application Status: If your application appears stalled, RTIwala online RTI service can help you check the exact status with government authorities.

Related Resources: Check RTIwala blog articles for guides on government schemes and RTI best practices, helping you stay informed on various social support initiatives.


Common Mistakes to Avoid During Application

To ensure a smooth application, keep these tips in mind:

  • Double-Check Information: Verify that all details match your official documents to avoid rejection.
  • Include All Necessary Documents: Missing documents, such as the vendor ID or Recommendation Letter, can delay your application.
  • Apply Promptly: Early applications are often processed faster, so avoid waiting until the last minute.

If you encounter any uncertainties, RTIwala can help you file an RTI to address any questions directly with the concerned department, ensuring you don’t miss out due to simple errors.


Frequently Asked Questions on PM SVANidhi Scheme

  1. Who is eligible for the PM SVANidhi Scheme? Street vendors in urban areas with a recognized vendor ID or recommendation letter are eligible.
  2. What is the loan amount under the scheme? Vendors can apply for an initial loan of up to ₹10,000 without collateral.
  3. Can I apply online? Yes, the application process is available online via the official PM SVANidhi portal.
  4. How does RTIwala assist with PM SVANidhi? RTIwala helps you file online RTI to check eligibility, track application status, and inquire about any delays in the loan disbursement process.
  5. Is there an interest subsidy? Yes, eligible vendors who repay their loans on time qualify for a 7% interest subsidy.

Conclusion: Ensure a Smooth Application with RTIwala

The PM SVANidhi Scheme is a lifeline for street vendors, offering financial support to rebuild their businesses. Following these application steps and meeting eligibility requirements can streamline your experience. If you’re facing delays, require eligibility confirmation, or need further information, RTIwala’s online RTI filing service can provide you with timely updates and insights, ensuring your application process is smooth and hassle-free.

For tailored RTI solutions and to learn more about how RTIwala can support your PM SVANidhi application, visit RTIwala Product Page today.

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Tags: Apply PM SVANidhiGovernment Loan SchemeLoan for Street VendorsPM SVANidhi SchemeStreet Vendor Loan
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