**Executive Summary**
This document presents the Government of India's response to Unstarred Question No. 3180 in the Lok Sabha, concerning the role of State Governments and Urban Local Bodies (ULBs) in the PM SVANidhi Scheme. It outlines the identification process for beneficiaries, data on beneficiaries and loan disbursements, and details of lending institutions involved. The response was provided on December 18, 2025, based on data up to November 19, 2025.
**Key Points / Main Content**
* **Role of State Governments and ULBs:**
* ULBs identify street vendors through surveys or verification of Letter of Recommendation (LoR)-cum-Loan Applications.
* ULBs facilitate loan access by mobilizing street vendors, assisting with applications, and coordinating with banks.
* State/UT Governments monitor and review the performance of ULBs and lending institutions.
* **Beneficiary Registration and Loan Details:**
* As of November 19, 2025, 79,396 new beneficiaries have been issued loans under the restructured scheme approved on August 27, 2025.
* As of November 19, 2025, 24.69 lakh street vendors have availed the second loan under the scheme.
* No UPI-linked RuPay Credit Cards have been issued to street vendors under the scheme.
* Annexure-I provides a state/UT-wise statement of registered street vendors and the total amount sanctioned and disbursed.
* **Lending Institutions (Odisha):**
* Annexure-II lists the number of lending institutions (Scheduled Commercial Banks, Regional Rural Banks, Small Finance Banks, Cooperative Banks, NBFCs, and MFIs) functioning in Odisha, district-wise.
**Impact Analysis**
**State Governments/UT Governments:**
* **Impact:** Responsible for monitoring and reviewing the performance of ULBs and lending institutions under the PM SVANidhi Scheme.
* **Action Required:** Regularly monitor and review the performance of ULBs and lending institutions.
**Urban Local Bodies (ULBs):**
* **Impact:** Responsible for identifying beneficiaries and facilitating loan disbursal.
* **Action Required:** Identify street vendors through surveys or verification of Letter of Recommendation (LoR)-cum-Loan Applications. Mobilize new street vendors, provide handholding support in filling loan applications, and coordinate with banks to ensure timely sanction and disbursement of loans.
**Street Vendors:**
* **Impact:** Beneficiaries of the PM SVANidhi Scheme, receiving loans for their businesses.
* **Action Required:** Obtain a Letter of Recommendation (LoR), apply for loans, and utilize the sanctioned amount for their businesses.
**Lending Institutions:**
* **Impact:** Involved in the sanction and disbursement of loans to eligible street vendors.
* **Action Required:** Process loan applications forwarded by ULBs, ensure timely sanction and disbursement of loans to eligible street vendors.
Key Entities Referenced
PM SVANidhi scheme: A micro-credit scheme for street vendors to avail affordable loans.
Urban Local Bodies (ULBs): Government bodies responsible for identifying beneficiaries and facilitating loan disbursal under PM SVANidhi at the city level.
Ministry of Housing and Urban Affairs: Union ministry responsible for the PM SVANidhi scheme.
Street Vendors (Protection of Livelihood and Regulation of Street Vending) Act, 2014: Act under which surveys for street vendor identification are conducted.
Odisha: Indian state for which district-wise details of lending institutions are provided.
GOVERNMENT OF INDIA
MINISTRY OF HOUSING AND URBAN AFFAIRS
LOK SABHA
UNSTARRED QUESTION NO. 3180
TO BE ANSWERED ON DECEMBER 18, 2025
ROLE OF STATE GOVERNMENTS AND ULBs IN PM SVANIDHI SCHEME
NO. 3180. SHRI SAPTAGIRI SANKAR ULAKA:
Will the Minister of HOUSING AND URBAN AFFAIRS be pleased to
state:
(a) the role of State Governments and Urban Local Bodies (ULBs) in
identification of beneficiaries, verification of applications and
facilitation of loan disbursal under the PM SVANidhi scheme;
(b) the total number of new beneficiaries registered under the
restructured scheme since its launch;
(c) the number of beneficiaries who have successfully availed the
second loan and the total number to whom UPI-linked RuPay Credit
Cards have been issued or disbursed under the scheme;
(d) the details of the number of street vendors registered as
beneficiaries under the scheme along with the total amount
sanctioned and disbursed to all beneficiaries, State/UT-wise; and
(e) the details of the number of lending institutions including Scheduled
Commercial Banks, Regional Rural Banks, Small Finance Banks,
Cooperative Banks, NBFCs and MFIs functioning in Odisha, district-
wise?
ANSWER
THE MINISTER OF STATE IN THE
MINISTRY OF HOUSING AND URBAN AFFAIRS
(SHRI TOKHAN SAHU)
(a) Identification of street vendors is undertaken by Urban Local Bodies
(ULBs) either through:
i. surveys conducted under the provisions of the Street Vendors (Protection
of Livelihood and Regulation of Street Vending) Act, 2014, or
ii. verification after receipt of the Letter of Recommendation (LoR)-cum-
Loan Application on the PM SVANidhi portal.
After successful verification, the street vendor is issued a Certificate of
Vending (CoV), Identity Card, or Letter of Recommendation (LoR). Once
the LoR is approved, the loan application is forwarded to the lending
institutions for sanction and disbursement of loans to eligible street
vendors. ULBs play a facilitative role by mobilising new street vendors,
providing handholding support in filling loan applications, coordinating
with banks to ensure timely sanction and disbursement of loans etc.
…2/--2-
The State/UT Governments regularly monitor and review the performance
of ULBs and lending institutions under the scheme.
(b) As on 19th November, 2025, 79,396 new beneficiaries have been issued
loans under the restructured scheme approved on 27th August, 2025.
(c) Since the inception of scheme till 19th November 2025, 24.69 lakh street
vendors have availed the second loan under the scheme. No UPI-linked
RuPay Credit Cards have been issued to street vendors under the scheme.
(d) A statement showing the total number of street vendor beneficiaries
under the scheme along with the total amount sanctioned and disbursed
to all beneficiaries, State/UT-wise is at Annexure – I.
(e) A statement showing the number of lending institutions including
Scheduled Commercial Banks, Regional Rural Banks, Small Finance
Banks, Cooperative Banks, NBFCs and MFIs functioning in Odisha,
district-wise is at Annexure – II.
*****ANNEXURE – I: REFERRED TO IN REPLY TO LOK SABHA UNSTARRED QUESTION NO. 3180
ANSWERED ON 18.12.2025
STATEMENT SHOWING THE NUMBER OF STREET VENDORS REGISTERED AS BENEFICIARIES
UNDER THE SCHEME ALONG WITH THE TOTAL AMOUNT SANCTIONED AND DISBURSED TO
ALL BENEFICIARIES, STATE/UT-WISE:
(AS ON 19.11.2025)
Loan amount Loan Amount
S. Number of
State/UT Name sanctioned disbursed
No. Beneficiaries
(in ₹ Cr.) (in ₹ Cr.)
Andaman And Nicobar
1 549 2.17 2.02
Islands
2 Andhra Pradesh 3,68,936 971.91 886.60
3 Arunachal Pradesh 4,814 13.64 12.93
4 Assam 1,22,319 292.60 279.56
5 Bihar 1,29,139 226.99 216.31
6 Chandigarh 5,025 14.97 14.67
7 Chhattisgarh 92,323 213.47 198.56
8 Delhi 1,92,784 334.94 311.46
9 Goa 1,619 5.50 5.19
10 Gujarat 4,83,668 1,129.23 1,091.79
11 Haryana 1,69,900 305.82 282.57
12 Himachal Pradesh 5,480 20.54 19.74
13 Jammu And Kashmir 17,315 50.83 48.18
14 Jharkhand 86,036 162.25 151.47
15 Karnataka 3,98,083 969.87 891.59
16 Kerala 1,20,526 244.35 228.99
17 Ladakh 464 1.63 1.51
18 Lakshadweep - - -
19 Madhya Pradesh 8,96,441 2,274.11 2,166.95
20 Maharashtra 8,61,013 1,672.35 1,513.83
21 Manipur 9,843 20.71 20.10
22 Meghalaya 3,949 8.02 7.63
23 Mizoram 2,714 6.03 5.55
24 Nagaland 3,718 7.76 7.41
25 Odisha 65,580 178.80 167.77
26 Puducherry 3,551 9.90 8.95
27 Punjab 1,70,392 319.89 297.08
28 Rajasthan 1,94,172 352.35 336.33
29 Sikkim 1,258 2.61 2.35
30 Tamil Nadu 4,03,767 928.06 879.91
31 Telangana 4,29,519 1,298.68 1,267.38
The Dadra and Nagar
32 2,222 5.44 5.36
Haveli & Daman and Diu
33 Tripura 5,701 13.49 12.93
34 Uttar Pradesh 13,97,386 2,995.20 2,876.42
35 Uttarakhand 28,700 73.63 70.68
36 West Bengal 2,10,334 334.61 305.71
Total 68,89,240 15,462.33 14,595.47
(Data Source: PM SVANidhi Portal)ANNEXURE – II: REFERRED TO IN REPLY TO LOK SABHA UNSTARRED QUESTION NO.
3180 ANSWERED ON 18.12.2025
STATEMENT SHOWING THE NUMBER OF LENDING INSTITUTIONS INCLUDING
SCHEDULED COMMERCIAL BANKS, REGIONAL RURAL BANKS, SMALL FINANCE BANKS,
COOPERATIVE BANKS, NBFCS AND MFIS FUNCTIONING IN ODISHA, DISTRICT-WISE
(ONBOARDED ON PMS PORTAL):
(AS ON 19.11.2025)
Number of Lending
S. No District/Lending Institution Type
Institutions
1 ANUGUL 21
i Micro Finance Institutions (MFIs) 1
ii Private Sector Banks 8
iii Public Sector Banks 10
iv Regional Rural Banks 1
v Small Finance Banks (SFBs) 1
2 BALANGIR 22
i Micro Finance Institutions (MFIs) 1
ii Private Sector Banks 7
iii Public Sector Banks 11
iv Regional Rural Banks 1
v Small Finance Banks (SFBs) 2
3 BALESHWAR 25
i Micro Finance Institutions (MFIs) 2
ii Private Sector Banks 9
iii Public Sector Banks 12
iv Regional Rural Banks 1
v Small Finance Banks (SFBs) 1
4 BARGARH 23
i Micro Finance Institutions (MFIs) 1
ii Private Sector Banks 8
iii Public Sector Banks 11
iv Regional Rural Banks 1
v Small Finance Banks (SFBs) 2
5 BHADRAK 24
i Micro Finance Institutions (MFIs) 3
ii Private Sector Banks 9
iii Public Sector Banks 11
iv Regional Rural Banks 1
6 BOUDH 12
i Private Sector Banks 1
ii Public Sector Banks 9
iii Regional Rural Banks 1
iv Small Finance Banks (SFBs) 1
7 CUTTACK 34
i Micro Finance Institutions (MFIs) 2
ii Private Sector Banks 15
iii Public Sector Banks 12
iv Regional Rural Banks 1
v Small Finance Banks (SFBs) 3
vi Urban Co-operative Banks 1
8 DEOGARH 15Number of Lending
S. No District/Lending Institution Type
Institutions
i Micro Finance Institutions (MFIs) 1
ii Private Sector Banks 2
iii Public Sector Banks 11
iv Small Finance Banks (SFBs) 1
9 DHENKANAL 21
i Private Sector Banks 7
ii Public Sector Banks 12
iii Regional Rural Banks 1
iv Small Finance Banks (SFBs) 1
10 GAJAPATI 17
i Micro Finance Institutions (MFIs) 1
ii Private Sector Banks 4
iii Public Sector Banks 10
iv Regional Rural Banks 1
v Small Finance Banks (SFBs) 1
11 GANJAM 24
i Private Sector Banks 8
ii Public Sector Banks 12
iii Regional Rural Banks 2
iv Small Finance Banks (SFBs) 2
12 JAGATSINGHAPUR 20
i Private Sector Banks 6
ii Public Sector Banks 11
iii Regional Rural Banks 1
iv Small Finance Banks (SFBs) 2
13 JAJAPUR 25
i Micro Finance Institutions (MFIs) 3
ii Private Sector Banks 8
iii Public Sector Banks 12
iv Regional Rural Banks 1
v Small Finance Banks (SFBs) 1
14 JHARSUGUDA 19
i Private Sector Banks 7
ii Public Sector Banks 11
iii Regional Rural Banks 1
15 KALAHANDI 25
i Micro Finance Institutions (MFIs) 3
ii Private Sector Banks 8
iii Public Sector Banks 12
iv Regional Rural Banks 1
v Small Finance Banks (SFBs) 1
16 KANDHAMAL 17
i Private Sector Banks 4
ii Public Sector Banks 11
iii Regional Rural Banks 1
iv Small Finance Banks (SFBs) 1
17 KENDRAPARA 21
i Micro Finance Institutions (MFIs) 1
ii Private Sector Banks 7
iii Public Sector Banks 11
iv Regional Rural Banks 1Number of Lending
S. No District/Lending Institution Type
Institutions
v Small Finance Banks (SFBs) 1
18 KENDUJHAR 22
i Micro Finance Institutions (MFIs) 1
ii Private Sector Banks 7
iii Public Sector Banks 11
iv Regional Rural Banks 1
v Small Finance Banks (SFBs) 2
19 KHORDHA 37
i Micro Finance Institutions (MFIs) 1
ii Private Sector Banks 16
iii Public Sector Banks 12
iv Regional Rural Banks 3
v Small Finance Banks (SFBs) 4
vi State Co-operative Banks 1
20 KORAPUT 18
i Micro Finance Institutions (MFIs) 1
ii Private Sector Banks 4
iii Public Sector Banks 11
iv Regional Rural Banks 1
v Small Finance Banks (SFBs) 1
21 MALKANGIRI 14
i Micro Finance Institutions (MFIs) 1
ii Private Sector Banks 3
iii Public Sector Banks 9
iv Regional Rural Banks 1
22 MAYURBHANJ 22
i Micro Finance Institutions (MFIs) 1
ii Private Sector Banks 7
iii Public Sector Banks 11
iv Regional Rural Banks 2
v Small Finance Banks (SFBs) 1
23 NABARANGPUR 17
i Private Sector Banks 4
ii Public Sector Banks 10
iii Regional Rural Banks 1
iv Small Finance Banks (SFBs) 2
24 NAYAGARH 18
i Private Sector Banks 5
ii Public Sector Banks 11
iii Regional Rural Banks 1
iv Small Finance Banks (SFBs) 1
25 NUAPADA 15
i Private Sector Banks 3
ii Public Sector Banks 10
iii Regional Rural Banks 1
iv Small Finance Banks (SFBs) 1
26 PURI 23
i Micro Finance Institutions (MFIs) 1
ii Private Sector Banks 7
iii Public Sector Banks 12
iv Regional Rural Banks 1Number of Lending
S. No District/Lending Institution Type
Institutions
v Small Finance Banks (SFBs) 2
27 RAYAGADA 19
i Micro Finance Institutions (MFIs) 1
ii Private Sector Banks 5
iii Public Sector Banks 11
iv Regional Rural Banks 1
v Small Finance Banks (SFBs) 1
28 SAMBALPUR 24
i Micro Finance Institutions (MFIs) 1
ii Private Sector Banks 8
iii Public Sector Banks 12
iv Regional Rural Banks 1
v Small Finance Banks (SFBs) 2
29 SONEPUR 16
i Micro Finance Institutions (MFIs) 1
ii Private Sector Banks 4
iii Public Sector Banks 10
iv Regional Rural Banks 1
30 SUNDARGARH 24
i Private Sector Banks 10
ii Public Sector Banks 12
iii Regional Rural Banks 1
iv Small Finance Banks (SFBs) 1
Total 634
(Data Source: PM SVANidhi Portal)