**Summary of Lok Sabha Unstarred Question No. 1902 Regarding PM SVANidhi in Telangana**
This document summarizes the response provided by the Minister of State in the Ministry of Housing and Urban Affairs to Lok Sabha Unstarred Question No. 1902, concerning the PM SVANidhi scheme's implementation in Telangana, answered on July 31, 2025.
**Key Findings:**
* **Loan Disbursements (2024-25):** 15,351 beneficiaries in Telangana availed the second tranche of working capital loans, and 24,404 availed the third tranche.
* **Income Trajectory Monitoring:** The income trajectory of PM SVANidhi beneficiaries is not directly monitored under the scheme. However, an impact assessment study by the Indian School of Business (ISB) in 2023, based on a sample size of approximately 5,000 beneficiaries in select cities, indicated that first tranche loans generated an average monthly return of ₹1,955 (₹23,460 annually).
* **Collaboration with Self-Help Groups:** The Government of Telangana reports collaboration with Community Resource Persons from Area Level Federations and City Level Federations, through Self Help Groups (SHGs), to promote the scheme. These groups sensitize and mobilize street vendors for loan uptake, facilitate digital onboarding, and provide digital literacy training in collaboration with banks and digital payment aggregators.
* **Beneficiary Statistics:** As of the reporting date, 4.26 lakh street vendors in Telangana have benefitted from the scheme, with 45.48% being women. 3.16 lakh street vendors have been digitally onboarded, with 66% being women.
Key Entities Referenced
PM SVANidhi: A Government of India scheme aimed at providing affordable working capital loans to street vendors.
Telangana: A state in India where the PM SVANidhi scheme beneficiaries are being analyzed.
SHRI ARVIND DHARMAPURI: Member of Parliament who raised the question about PM SVANidhi beneficiaries in Telangana.
MINISTRY OF HOUSING AND URBAN AFFAIRS: The Indian government ministry responsible for the PM SVANidhi scheme and answering the parliamentary question.
SHRI TOKHAN SAHU: The Minister of State in the Ministry of Housing and Urban Affairs who provided the answer to the parliamentary question.
Self Help Groups SHGs: Community based groups that are used to facilitate loan uptake.
Indian School of Business ISB: An academic institution that conducted an impact assessment study of the PM SVANidhi scheme.
Mahila Urban Cooperatives: Organization that facilitates easier loan uptake and digital literacy for women vendors.
GOVERNMENT OF INDIA
MINISTRY OF HOUSING AND URBAN AFFAIRS
LOK SABHA
UNSTARRED QUESTION NO. 1902
TO BE ANSWERED ON JULY 31, 2025
BENEFICIARIES UNDER PM SVANIDHI IN TELANGANA
NO. 1902. SHRI ARVIND DHARMAPURI:
Will the Minister of HOUSING AND URBAN AFFAIRS be pleased to state:
(a) the total number of PM SVANidhi beneficiaries in Telangana who have
availed the second and third tranches of working capital loans during
2024-25;
(b) whether the Government tracks the income trajectory of PM SVANidhi
beneficiaries in Telangana beyond the repayment of the first tranche and
if so, the details thereof; and
(c) whether the Government has collaborated with Telangana’s Self Help
Groups (SHGs) and Mahila Urban Co-operatives to facilitate easier loan
uptake and digital literacy for women vendors and if so, the details
thereof?
ANSWER
THE MINISTER OF STATE IN THE
MINISTRY OF HOUSING AND URBAN AFFAIRS
(SHRI TOKHAN SAHU)
(a) The total number of PM SVANidhi beneficiaries in Telangana who have
availed second and third tranches of working capital loans during 2024-25 are
15,351 and 24,404 respectively.
(b) Income trajectory of PM SVANidhi beneficiaries is not monitored under the
scheme. However, as per findings of scheme impact assessment study
conducted by the Indian School of Business (ISB) in 2023 in select cities with
sample size of around 5,000 beneficiaries, first tranche loans generated an
average monthly return of ₹1,955 (₹23,460 annually), thereby providing a
steady source of additional income and contributing to greater economic
stability for street vendors.
…2/--2-
(c) As reported by Govt. of Telangana, Community Resource Persons from Area
Level Federations and City Level Federations, through Self Help Groups, are
actively engaged in sensitizing and mobilizing street vendors to avail working
capital loans under the scheme. They also play a key role in facilitation for
digital onboarding and training on digital literacy during monthly camps for
street vendors, including women, in collaboration with banks and digital
payment aggregators.
Till now, 4.26 lakh street vendors have benefitted from the scheme in
Telangana out of which 45.48% are women. Also, 3.16 lakh street vendors have
been digitally onboarded, out of which 66% are women.
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