Lok Sabha Question No. 1339 (UNSTARRED), answered on 2023-02-09
Subject: Implementation of PM SVANidhi Scheme
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Dhanush M Kumar, Manjulata Mandal, Ganesan Selvam, C.N. Annadurai

## GOVERNMENT OF INDIA

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## LOK SABHA

## UNSTARRED QUESTION NO.1339

TO BE ANSWERED ON FEBRUARY 09, 2023

## IMPLEMENTATION OF PM SVANIDHI SCHEME

NO. 1339.  SHRI DHANUSH M. KUMAR:

SHRIMATI MANJULATA MANDAL:

SHRI SELVAM G.:

SHRI C.N. ANNADURAI:

Will  the  Minister  of  HOUSING  AND  URBAN  AFFAIRS  be  pleased  to state:

- (a) the  challenges  being  faced  by  the  Government  while  implementing Prime Minister Street Vendor's  AtmaNirbhar Nidhi (PM  SVANidhi) scheme;
- (b) whether  the  Government  has  achieved  the  objective  for  which  PM SVANidhi scheme was launched and if so, the details thereof and if not the corrective steps taken in this regard;
- (c) the  total  number  of  loan  applications  received/  sanctioned  and  loan amount released or  disbursed  to  vendors  under  PM  SVANidhi  scheme during  the  last  three  years  in  the  country,  State-wise  particularly  in Tamil Nadu and Odisha;
- (d) the details of loan amount repaid by the vendors under the fixed time frame;
- (e) the total number of vendors targeted to be provided benefit under this scheme by December 2023;
- (f) whether the Government has taken steps to encourage participation of private  banks  and  enhance  their  share  in  the  total  sanctions  and disbursements under the scheme and if so, the details thereof; and
- (g) the steps taken by the Government for financial inclusion of more and more vendors and also for improvement of their living conditions?
- ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF HOUSING AND URBAN AFFAIRS (SHRI KAUSHAL KISHORE)

(a) & (b):  Prime Minister Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi) Scheme  was  launched  with  the  objective  of  facilitating  collateral  free working  capital  loan  to  street  vendors  to  restart  their  businesses.  As  on January 31, 2023 the scheme has successfully disbursed 40.75 lakh loans, amounting to ₹4,827.55 Cr., to 33.45 lakh street vendors.

- (c): A statement showing number of loan applications received, sanctioned and loan amount disbursed to Street Vendors during last three years under PM SVANidhi Scheme State & year wise including for State of Tamil Nadu and Odisha is at Annexure-I;
- (d): The  details  of  loan  amount  repaid  by  the  Street  vendors  under  PM SVANidhi Scheme, State wise is at Annexure-II.
- (e): The target set under PM SVANidhi Scheme for the 1st, 2nd and 3rd loans is 42 Lakh, 12 Lakh and 3 Lakh respectively by December, 2024.
- (f): Ministry  of  Housing  &  Urban  Affairs  (MoHUA)  &  Department  of Financial Services (DFS) regularly conduct joint as well as separate review meetings  with  the  Lending  Institutions  including  private  sector  banks,  to improve their performance under the Scheme.
- (g): The  PM  SVANidhi  Scheme  has  been  made  available  to  all  street vendors vending in urban areas. Further, the lending under the Scheme has been  extended  from  March,  2022  to  December,  2024.  This  would  help  in getting more and more vendors under the ambit of the Scheme.
- 'SVANidhi se Samriddhi' component under the PM SVANidhi Scheme, launched on 04 January, 2021, to build safety net for the beneficiaries' families for improving their living conditions.

It aims to link the beneficiaries families to existing eight welfare schemes of the Government of India, targeting their holistic development and socioeconomic upliftment.  These schemes are PM Jeevan Jyoti Bima Yojana, PM Suraksha Bima Yojana, PM Jan Dhan Yojana, One Nation One Ration Card, PM  Shram  Yogi  Maandhan  Yojana,  Registration  under  Building  and  other Construction  Workers  (BoCW),  Janani  Suraksha  Yojana  and  PM  Matru Vandana Yojana.

*****

## ANNEXURE-I REFERRED TO IN REPLY TO LOK SABHA UNSTARRED QUESTION NO. 1339 TO BE ANSWERED ON FEBRUARY 09, 2023

STATEMENT SHOWING NUMBER OF  LOAN APPLICATIONS RECEIVED,  SANCTIONED  AND LOAN  AMOUNT  DISBURSED  TO  STREET  VENDORS  STATE  &  YEAR  WISE  UNDER  PM SVANIDHI SCHEME

(As on 31.01.2023)

| S.No .   | Name of State                      | Eligible Loan Application Received   | Eligible Loan Application Received   | Eligible Loan Application Received   | Loans Sanctioned   | Loans Sanctioned   | Loans Sanctioned   | Loan Amount Disbursed (In Cr In ₹.)   | Loan Amount Disbursed (In Cr In ₹.)   | Loan Amount Disbursed (In Cr In ₹.)   |
|----------|------------------------------------|--------------------------------------|--------------------------------------|--------------------------------------|--------------------|--------------------|--------------------|---------------------------------------|---------------------------------------|---------------------------------------|
| S.No .   | Name of State                      | FY 2020- 21                          | FY 2021- 22                          | FY 2022- 23                          | FY 2020- 21        | FY 2021- 22        | FY 2022- 23        | FY 2020- 21                           | FY 2021- 22                           | FY 2022- 23                           |
| 1        | Andaman and Nicobar Islands        | 429                                  | 205                                  | 256                                  | 395                | 141                | 241                | 0.39                                  | 0.20                                  | 0.32                                  |
| 2        | Andhra Pradesh                     | 1,49,458                             | 1,05,616                             | 83,781                               | 1,17,856           | 87,162             | 55,846             | 112.06                                | 92.29                                 | 70.03                                 |
| 3        | Arunachal Pradesh                  | 3,343                                | 1,526                                | 1,820                                | 1,839              | 893                | 1,858              | 1.59                                  | 1.30                                  | 1.48                                  |
| 4        | Assam                              | 24,410                               | 58,109                               | 20,144                               | 15,816             | 47,186             | 19,735             | 14.12                                 | 44.42                                 | 20.78                                 |
| 5        | Bihar                              | 69,607                               | 27,419                               | 21,321                               | 33,894             | 23,535             | 14,004             | 28.49                                 | 19.98                                 | 12.04                                 |
| 6        | Chandigarh                         | 3,029                                | 2,307                                | 2,607                                | 2,148              | 1,591              | 1,744              | 2.04                                  | 1.77                                  | 2.84                                  |
| 7        | Chhattisgarh                       | 68,496                               | 16,829                               | 27,978                               | 41,021             | 10,818             | 13,721             | 39.93                                 | 11.95                                 | 15.51                                 |
| 8        | Daman &Diu and Dadra &Nagar Haveli | 1,997                                | 206                                  | 819                                  | 1,121              | 165                | 695                | 1.03                                  | 0.24                                  | 0.34                                  |
| 9        | Delhi                              | 47,248                               | 22,660                               | 62,405                               | 33,069             | 12,094             | 38,947             | 30.95                                 | 11.51                                 | 28.34                                 |
| 10       | Goa                                | 1,241                                | 523                                  | 867                                  | 1,028              | 429                | 475                | 1.01                                  | 0.56                                  | 0.78                                  |
| 11       | Gujarat                            | 1,42,658                             | 1,86,929                             | 1,03,679                             | 1,06,709           | 1,20,435           | 93,184             | 101.60                                | 127.98                                | 120.68                                |
| 12       | Haryana                            | 30,962                               | 23,204                               | 16,686                               | 17,807             | 15,534             | 11,687             | 16.78                                 | 13.66                                 | 15.66                                 |
| 13       | Himachal Pradesh                   | 3,246                                | 1,389                                | 2,503                                | 2,812              | 1,242              | 1,826              | 2.76                                  | 1.88                                  | 3.50                                  |
| 14       | Jammu And Kashmir                  | 14,570                               | 4,843                                | 7,971                                | 11,895             | 3,952              | 5,099              | 11.50                                 | 5.31                                  | 7.68                                  |
| 15       | Jharkhand                          | 34,129                               | 16,410                               | 17,292                               | 22,551             | 10,068             | 10,197             | 21.90                                 | 9.90                                  | 9.92                                  |
| 16       | Karnataka                          | 1,60,310                             | 49,100                               | 86,820                               | 1,14,462           | 54,043             | 70,815             | 107.62                                | 56.65                                 | 83.96                                 |
| 17       | Kerala                             | 9,356                                | 4,355                                | 6,150                                | 8,142              | 3,386              | 5,108              | 8.00                                  | 5.34                                  | 7.99                                  |
| 18       | Ladakh                             | 271                                  | 102                                  | 260                                  | 249                | 78                 | 217                | 0.25                                  | 0.13                                  | 0.38                                  |
| 19       | Madhya Pradesh                     | 4,19,642                             | 2,71,759                             | 2,22,104                             | 3,24,166           | 2,06,484           | 1,80,089           | 312.09                                | 241.79                                | 241.96                                |
| 20       | Maharashtra                        | 2,37,973                             | 63,235                               | 3,71,040                             | 1,69,531           | 49,229             | 2,99,730           | 148.16                                | 72.54                                 | 188.36                                |
| 21       | Manipur                            | 14,456                               | 2,225                                | 3,734                                | 6,773              | 1,880              | 3,082              | 6.09                                  | 2.60                                  | 2.16                                  |
| 22       | Meghalaya                          | 346                                  | 430                                  | 1,189                                | 266                | 394                | 962                | 0.25                                  | 0.41                                  | 0.88                                  |
| 23       | Mizoram                            | 530                                  | 174                                  | 325                                  | 446                | 132                | 93                 | 0.44                                  | 0.23                                  | 0.15                                  |
| 24       | Nagaland                           | 1,811                                | 802                                  | 868                                  | 1,214              | 465                | 589                | 1.20                                  | 0.63                                  | 0.59                                  |
| 25       | Odisha                             | 47,877                               | 12,132                               | 20,991                               | 29,262             | 12,968             | 15,990             | 27.17                                 | 10.34                                 | 14.78                                 |
| 26       | Puducherry                         | 1,435                                | 373                                  | 661                                  | 1,202              | 169                | 617                | 1.13                                  | 0.34                                  | 0.78                                  |
| 27       | Punjab                             | 67,019                               | 20,216                               | 24,080                               | 29,474             | 12,619             | 12,706             | 26.43                                 | 13.64                                 | 15.67                                 |
| 28       | Rajasthan                          | 1,01,413                             | 19,214                               | 43,385                               | 55,767             | 14,542             | 28,363             | 50.16                                 | 17.00                                 | 13.00                                 |
| 29       | Sikkim                             | 3                                    | -                                    | 2                                    | -                  | 1                  | -                  | -                                     | 0.00                                  | -                                     |
| 30       | Tamil Nadu                         | 2,26,805                             | 1,11,167                             | 89,692                               | 1,10,390           | 76,720             | 66,053             | 87.20                                 | 79.34                                 | 85.28                                 |
| 31       | Telangana                          | 3,93,145                             | 1,01,292                             | 1,31,536                             | 3,30,588           | 77,176             | 1,09,420           | 307.05                                | 139.94                                | 148.74                                |
| 32       | Tripura                            | 3,663                                | 1,117                                | 1,491                                | 2,622              | 1,123              | 995                | 2.59                                  | 0.93                                  | 1.00                                  |
| 33       | Uttar Pradesh                      | 6,86,244                             | 1,81,711                             | 4,32,436                             | 5,94,358           | 2,15,358           | 3,13,215           | 555.24                                | 247.98                                | 415.44                                |
| 34       | Uttarakhand                        | 13,743                               | 3,464                                | 9,243                                | 9,265              | 2,032              | 6,757              | 9.07                                  | 2.40                                  | 9.66                                  |
| 35       | West Bengal                        | 12,073                               | 17,852                               | 6,462                                | 5,218              | 9,612              | 2,756              | 2.36                                  | 11.02                                 | 1.79                                  |
|          | Total                              | 29,92,938                            | 13,28,895                            | 18,22,598                            | 22,03,356          | 10,73,656          | 13,86,816          | 2,038.65                              | 1,246.21                              | 1,542.48                              |

ANNEXURE-II REFERRED TO IN REPLY TO LOK SABHA UNSTARRED QUESTION NO. 1339 TO BE ANSWERED ON FEBRUARY 09, 2023

STATEMENT  SHOWING  NUMBER  OF  LOAN  AMOUNT  REPAID  BY  THE  STREET  VENDOR STATE WISE UNDER PM SVANIDHI SCHEME. (as on 31.01.2023)

|   S.No. | Name of State/UT                   | Amount of Loans Repaid (In Cr In ₹.)   |
|---------|------------------------------------|----------------------------------------|
|       1 | Andaman And Nicobar Islands        | 0.40                                   |
|       2 | Andhra Pradesh                     | 100.27                                 |
|       3 | Arunachal Pradesh                  | 1.91                                   |
|       4 | Assam                              | 16.38                                  |
|       5 | Bihar                              | 22.15                                  |
|       6 | Chandigarh                         | 2.52                                   |
|       7 | Chhattisgarh                       | 27.08                                  |
|       8 | Daman &Diu and Dadra &Nagar Haveli | 0.84                                   |
|       9 | Delhi                              | 25.16                                  |
|      10 | Goa                                | 1.07                                   |
|      11 | Gujarat                            | 100.04                                 |
|      12 | Haryana                            | 16.78                                  |
|      13 | Himachal Pradesh                   | 3.25                                   |
|      14 | Jammu And Kashmir                  | 9.36                                   |
|      15 | Jharkhand                          | 16.41                                  |
|      16 | Karnataka                          | 86.34                                  |
|      17 | Kerala                             | 7.90                                   |
|      18 | Ladakh                             | 0.31                                   |
|      19 | Madhya Pradesh                     | 227.78                                 |
|      20 | Maharashtra                        | 110.06                                 |
|      21 | Manipur                            | 3.87                                   |
|      22 | Meghalaya                          | 0.32                                   |
|      23 | Mizoram                            | 0.41                                   |
|      24 | Nagaland                           | 0.92                                   |
|      25 | Odisha                             | 23.17                                  |
|      26 | Puducherry                         | 0.86                                   |
|      27 | Punjab                             | 23.09                                  |
|      28 | Rajasthan                          | 39.50                                  |
|      29 | Sikkim                             | -                                      |
|      30 | Tamil Nadu                         | 88.63                                  |
|      31 | Telangana                          | 217.91                                 |
|      32 | Tripura                            | 1.56                                   |
|      33 | Uttar Pradesh                      | 341.96                                 |
|      34 | Uttarakhand                        | 7.75                                   |
|      35 | West Bengal                        | 3.21                                   |