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GOVERNMENT OF INDIA
MINISTRY OF HOUSING AND URBAN AFFAIRS
LOK SABHA
UNSTARRED QUESTION NO. 6337
TO BE ANSWERED ON APRIL 02, 2026
IMPLEMENTATION OF PM SVANIDHI SCHEME
NO. 6337. SHRI VISHNU DATT SHARMA:
Will the Minister of HOUSING AND URBAN AFFAIRS be pleased to
state:
(a) whether the Government is implementing the PM Street Vendor’s
AtmaNirbhar Nidhi (PM-SVANidhi) scheme nationwide to provide
working-capital loans, financial inclusion and livelihood support to
street vendors and urban micro-entrepreneurs;
(b) whether the street vendors in the districts of Katni, Panna and the
town of Khajuraho in Khajuraho Lok Sabha Constituency have been
covered under the said scheme and if so, the details thereof along
with the number of beneficiaries who have received loans during the
last three years;
(c) whether any comprehensive identification and registration of all
eligible street vendors in these districts has been undertaken so
that no entitled beneficiary remains excluded and if so, the details
thereof;
(d) whether any gaps in identification or coverage persist and if so, the
reasons therefor along with the corrective measures taken thereon;
and
(e) the steps proposed to be taken to ensure complete coverage,
awareness, digital payment enablement and credit access for
vendors in these towns?
ANSWER
THE MINISTER OF STATE IN THE
MINISTRY OF HOUSING AND URBAN AFFAIRS
(SHRI TOKHAN SAHU)
(a): Yes, Ministry of Housing and Urban Affairs is implementing PM
SVANidhi Scheme since 1st June, 2020 with the objective of facilitating
collateral free working capital loan, financial inclusion and livelihood
support to street vendors.
(b): Yes, since the inception of PM SVANidhi scheme till 1st March 2026,
details of loans disbursed to street vendor beneficiaries in districts of
Katni, Panna and the town of Khajuraho in Khajuraho Lok Sabha
Constituency under the scheme during last three years (FY 2022-23, 2023-
24 and 2024-25) are as follows:
…2/--2-
Amount of
No. of Total Loans Loans
Name of District/ ULB
Beneficiaries Disbursed Disbursed
(₹ in Cr.)
Katni District 3,768 8,934 17.09
Panna District 2,185 4,937 9.74
Khajuraho Town
454 1,131 2.34
Panchayat
(c) & (d): The identification of street vendors is carried out by States/UTs
through surveys conducted under the provisions of the Street Vendors
(Protection of Livelihood and Regulation of Street Vending) Act, 2014. The
responsibility for conducting surveys, issuing Certificates of Vending etc.
rests with the respective Urban Local Bodies and State/UT Governments.
The PM SVANidhi is a demand driven scheme, wherein eligible street
vendors who seek working capital support apply for loans on the PM
SVANidhi portal or PM SVANidhi mobile app. Since the inception of PM
SVANidhi scheme till 1st March 2026, applications received and the
number street vendors who have availed loans under the scheme in
districts of Katni, Panna and the town of Khajuraho are as follows:
Total loan Applications No. of
Name of District/ ULB
Received Beneficiaries
Katni District 11,305 10,606
Panna District 6,021 5,331
Khajuraho Town
1,481 1,343
Panchayat
(e): To ensure effective implementation of the scheme, the Ministry has
undertaken following steps:
To spread the awareness of PM SVANidhi Scheme across the
country, M/o. Housing & Urban Affairs (MoHUA) has undertaken several
initiatives, including periodic awareness campaigns through radio jingles,
television, social media and newspaper advertisements. States and Union
Territories are also regularly provided with Information, Education and
Communication (IEC) materials in local languages to facilitate outreach
and dissemination of scheme benefits among street vendors. Further,
following the restructuring of the scheme, SMS messages were sent to
around 69 lakh beneficiaries across the country including districts of
Katni, Panna and the town of Khajuraho, to inform them about the new
features and benefits introduced under the scheme.
…3/--3-
After the approval of the restructured PM SVANidhi scheme on 27th
August 2025, Lok Kalyan Melas were organized in ULBs from 17th
September 2025 to 15th October 2025. These Melas promoted the new
features of the scheme and supported vendor mobilization, loan
application submission, faster loan disbursement, and digital onboarding
of beneficiaries. A special campaign across all States and Union
Territories was also undertaken from 3rd November 2025 to 2nd December
2025 for clearing pendency at both the bank and Urban Local Body (ULB)
levels.
Urban Local Bodies (ULBs), in collaboration with Digital Payment
Aggregators (DPAs), also conduct regular digital literacy camps. To
enhance digital onboarding and promote the adoption of cashless
payments among street vendors, beneficiaries are provided cashback
incentives.
MoHUA along with Department of Financial Services (DFS) conducts
regular review meetings with States/UTs/ULBs/Lending Institutions (LIs)
to assess the ground level performance and address the issues, if any.
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