On 02 DEC 2025, the government launched the Credit Assessment Model (CAM) for Micro, Small & Medium Enterprises (MSMEs) to enhance digitally driven loan appraisal. This model uses digitally fetched and verifiable data to automate MSME loan appraisal with objective decision-making. The Government, Reserve Bank of India (RBI), and National Payment Corporation of India (NPCI) have initiated promotional schemes for digital payments, including RuPay Debit Cards, BHIM-UPI transactions (P2M), and the Payments Infrastructure Development Fund (PIDF). The Pradhan Mantri Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi) Scheme, extended to March 31, 2030, and jointly implemented by the Ministry of Housing and Urban Affairs (MoHUA) and Department of Financial Services, has enhanced loan amounts for street vendors to ₹15,000, ₹25,000, and ₹50,000 in three tranches. The scheme includes UPI-linked RuPay Credit Cards with a credit limit of ₹30,000 and cashback incentives. Minister of State in the Ministry of Finance Shri Pankaj Chaudhary provided this information in a written reply in Rajya Sabha.
Key Entities Referenced
Credit Assessment Model (CAM): Model for Micro, Small & Medium Enterprises (MSMEs) loan appraisal using digitally fetched data.
Pradhan Mantri Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi) Scheme: Scheme to provide loans to street vendors, jointly implemented by Ministry of Housing and Urban Affairs and Department of Financial Services.
Reserve Bank of India (RBI): Taking up various initiatives to promote digital payment transactions
National Payment Corporation of India (NPCI): Taking up various initiatives to promote digital payment transactions
Ministry of Finance: The ministry under which the information was given
Ministry of Finance
Government has launched Credit Assessment
Model for MSMEs to enhance digitally driven
loan appraisal
Several initiatives taken up to promote digital payment
transactions
प्रव तथ: 02 DEC 2025 5:53PM by PIB Delhi
The government has recently launched Credit Assessment Model (CAM) for Micro, Small & Medium
Enterprises (MSMEs). The model leverages the digitally fetched and verifiable data available in the
ecosystem and devise automated journeys for MSME loan appraisal using objective decisioning for all
loan applications and model-based limit assessment for both Existing to Bank (ETB) as well as New to
Bank (NTB) MSME borrowers.
The Government, Reserve Bank of India (RBI) and National Payment Corporation of India (NPCI) have
been taking up various initiatives to promote digital payment transactions. These inter alia, include
incentive scheme for promotion of RuPay Debit Cards and low-value BHIM-UPI transactions (P2M) and
Payments Infrastructure Development Fund (PIDF) to support deployment of digital payment
infrastructure (such as POS Terminals and QR codes) in underserved regions.
Further, The Pradhan Mantri Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi) Scheme, launched on
01.06.2020 is now extended to March 31, 2030, has been jointly implemented by Ministry of Housing and
Urban Affairs (MoHUA) and Department of Financial Services. Under the scheme, the loan extended to
street vendors to support their business has been enhanced to ₹15,000, ₹25,000 and ₹50,000 respectively
in three tranches. Other features included in the scheme are UPI-linked RuPay Credit Card with credit
limit of ₹30,000 and cashback incentives for digital transactions.
This information was given by Minister of State in the Ministry of Finance Shri Pankaj Chaudhary in a
written reply to a question in Rajya Sabha today.
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