Lok Sabha Question No. 2066 (UNSTARRED), answered on 2022-03-14
Subject: PM Svanidhi Scheme
Ministry: FINANCE
Asked by: Bhagirath Chaudhary

## Government of India Ministry of Finance Department of Financial services

## LOK SABHA UNSTARRED QUESTION No. 2066

Answered on Monday, March 14, 2022/Phalguna 23, 1943 (Saka)

## PM SVANIDHI SCHEME

## 2066. SHRI BHAGIRATH CHOUDHARY:

Will the Minister of Finance be pleased to state:

- (a) the process for selection under the Pradhan Mantri SVANidhi Scheme, 2020;
- (b) whether any criteria has been fixed for the selection of beneficiaries under the scheme;
- (c) if so, the details thereof along with the number of eligible beneficiaries registered since the inception of the scheme till date, State and year-wise;
- (d) the district and year-wise number of beneficiaries as well as the fund disbursed in the State of Rajasthan during the year 2020-21 and 2021-22;
- (e) the rate of interest at which loan is being disbursed to the beneficiaries under the above said scheme;
- (f)  the percentage of share of the subsidy to be borne by the Central Government and the beneficiaries; and
- (g) the details of the amount released to States for disbursal to beneficiaries or given to beneficiaries through direct benefit transfer?

## ANSWER

## Minister of State in the Ministry of Finance (Dr. BHAGWAT KARAD)

- (a) and (b) As apprised by Ministry of Housing and Urban Affairs (MoHUA), Street Vendors engaged in vending in urban areas as on or before March 24, 2020 are eligible for benefits under PM SVANidhi Scheme.  The eligible vendors are identified as per following criteria:-
- i. Street vendors in possession of Certificate of Vending / Identity Card issued by Urban Local Bodies (ULBs);
- ii. The vendors, who have been identified in the ULB led survey, but have not been issued Certificate of Vending / Identity Card;
- iii. Street Vendors, left out of the survey or who have started vending after completion of the survey and have been issued Letter of Recommendation (LoR) to that effect by the ULB / Town Vending Committee (TVC); and
- iv. The vendors of surrounding development/ peri-urban / rural areas vending in the geographical limits of the ULBs and have been issued Letter of Recommendation (LoR) to that effect by the ULB / TVC.

(c) 28,69,477 eligible beneficiaries have benefited under the PM SVANidhi Scheme till March 7, 2022.  A statement indicating State and year-wise details of the loan disbursed under the scheme is at Annexure-I .

(d) A statement indicating district and year-wise number of beneficiaries as well as the loan disbursed in the State of Rajasthan is at Annexure-II .

(e) and (f) Under PM SVANidhi Scheme, the rate of interest charged by different types of Lending Institutions is as under:-

- i. In case of Scheduled Commercial Banks, Regional Rural Banks (RRBs), Small Finance Banks (SFBs), Cooperative Banks & SHG Banks, it is as per their prevailing rates of interest as per their Board approved policies.
- ii. In case of Non-Banking Finance Company (NBFC), NBFC-Micro-Finance Institutions (MFIs) etc., it is as per RBI guidelines for respective lender category.
- iii. For MFIs (non NBFC) & other lender categories not covered under the RBI guidelines, it is applicable as per the extant RBI guidelines for NBFC-MFIs.

An interest subsidy of 7% is paid on a quarterly basis on timely repayment of the loan instalments. The interest above the subsidy is borne by the beneficiary.

(g) PM SVANidhi is a Central Sector Scheme. No funds are released to the States for disbursal to beneficiaries. Loan amount is directly released to the beneficiaries by the Lending Institutions.

An interest subsidy of 7% is paid on quarterly basis through direct benefit transfer to the borrower on repayment of the loan instalments and cash back of upto ₹100 per month is provided to the street vendors to incentivize digital transactions. So far an amount of ₹45.21 crore & ₹7.55 crore have been paid as interest subsidy and cash back respectively. State wise details is at Annexure-III.

*****

| Annexure-I as referred to in respect of Lok Sabha Unstarred Question No. 2066 for reply on 14.03.2022   | Annexure-I as referred to in respect of Lok Sabha Unstarred Question No. 2066 for reply on 14.03.2022   | Annexure-I as referred to in respect of Lok Sabha Unstarred Question No. 2066 for reply on 14.03.2022   | Annexure-I as referred to in respect of Lok Sabha Unstarred Question No. 2066 for reply on 14.03.2022   |
|---------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------|
| PM SVANidhi SCHEME                                                                                      | PM SVANidhi SCHEME                                                                                      | PM SVANidhi SCHEME                                                                                      | PM SVANidhi SCHEME                                                                                      |
| Number of Beneficiaries                                                                                 | Number of Beneficiaries                                                                                 | Number of Beneficiaries                                                                                 | Number of Beneficiaries                                                                                 |
| States/ UTs                                                                                             | FY 2020-21                                                                                              | FY 2021-22 (upto 07.03.2022)                                                                            | Total                                                                                                   |
| A & N Island                                                                                            | 387                                                                                                     | 83                                                                                                      | 470                                                                                                     |
| Andhra Pradesh                                                                                          | 1,12,672                                                                                                | 68,964                                                                                                  | 1,81,636                                                                                                |
| Arunachal Pradesh                                                                                       | 1,588                                                                                                   | 857                                                                                                     | 2,445                                                                                                   |
| Assam                                                                                                   | 14,152                                                                                                  | 33,780                                                                                                  | 47,932                                                                                                  |
| Bihar                                                                                                   | 28,858                                                                                                  | 17,429                                                                                                  | 46,287                                                                                                  |
| Chandigarh                                                                                              | 2,051                                                                                                   | 1,264                                                                                                   | 3,315                                                                                                   |
| Chhattisgarh                                                                                            | 40,290                                                                                                  | 5,860                                                                                                   | 46,150                                                                                                  |
| Daman & Diu and Dadra & Nagar Haveli                                                                    | 1,021                                                                                                   | 131                                                                                                     | 1,152                                                                                                   |
| Delhi                                                                                                   | 31,155                                                                                                  | 9,251                                                                                                   | 40,406                                                                                                  |
| Goa                                                                                                     | 1,017                                                                                                   | 205                                                                                                     | 1,222                                                                                                   |
| Gujarat                                                                                                 | 1,02,345                                                                                                | 84,364                                                                                                  | 1,86,709                                                                                                |
| Haryana                                                                                                 | 16,941                                                                                                  | 7,796                                                                                                   | 24,737                                                                                                  |
| Himachal Pradesh                                                                                        | 2,768                                                                                                   | 537                                                                                                     | 3,305                                                                                                   |
| Jammu & Kashmir                                                                                         | 11,501                                                                                                  | 2,276                                                                                                   | 13,777                                                                                                  |
| Jharkhand                                                                                               | 22,034                                                                                                  | 5,652                                                                                                   | 27,686                                                                                                  |
| Karnataka                                                                                               | 1,07,939                                                                                                | 29,952                                                                                                  | 1,37,891                                                                                                |
| Kerala                                                                                                  | 8,047                                                                                                   | 1,170                                                                                                   | 9,217                                                                                                   |
| Ladakh                                                                                                  | 247                                                                                                     | 13                                                                                                      | 260                                                                                                     |
| Madhya Pradesh                                                                                          | 3,13,888                                                                                                | 1,45,408                                                                                                | 4,59,296                                                                                                |
| Maharashtra                                                                                             | 1,49,083                                                                                                | 44,954                                                                                                  | 1,94,037                                                                                                |
| Manipur                                                                                                 | 6,094                                                                                                   | 2,332                                                                                                   | 8,426                                                                                                   |
| Meghalaya                                                                                               | 253                                                                                                     | 305                                                                                                     | 558                                                                                                     |
| Mizoram                                                                                                 | 442                                                                                                     | 28                                                                                                      | 470                                                                                                     |
| Nagaland                                                                                                | 1,202                                                                                                   | 266                                                                                                     | 1,468                                                                                                   |
| Odisha                                                                                                  | 27,473                                                                                                  | 6,603                                                                                                   | 34,076                                                                                                  |
| Puducherry                                                                                              | 1,130                                                                                                   | 111                                                                                                     | 1,241                                                                                                   |
| Punjab                                                                                                  | 26,659                                                                                                  | 11,819                                                                                                  | 38,478                                                                                                  |
| Rajasthan                                                                                               | 50,322                                                                                                  | 16,425                                                                                                  | 66,747                                                                                                  |
| Sikkim                                                                                                  | -                                                                                                       | 1                                                                                                       | 1                                                                                                       |
| Tamil Nadu                                                                                              | 87,749                                                                                                  | 71,005                                                                                                  | 1,58,754                                                                                                |
| Telangana                                                                                               | 3,09,954                                                                                                | 32,858                                                                                                  | 3,42,812                                                                                                |
| Tripura                                                                                                 | 2,601                                                                                                   | 321                                                                                                     | 2,922                                                                                                   |
| Uttar Pradesh                                                                                           | 5,63,712                                                                                                | 1,98,471                                                                                                | 7,62,183                                                                                                |
| Uttarakhand                                                                                             | 9,107                                                                                                   | 1,242                                                                                                   | 10,349                                                                                                  |
| West Bengal                                                                                             | 2,377                                                                                                   | 10,685                                                                                                  | 13,062                                                                                                  |

| Annexure-II as referred to in respect of Lok Sabha Unstarred Question No. 2066 for reply on 14.03.2022       | Annexure-II as referred to in respect of Lok Sabha Unstarred Question No. 2066 for reply on 14.03.2022       | Annexure-II as referred to in respect of Lok Sabha Unstarred Question No. 2066 for reply on 14.03.2022       | Annexure-II as referred to in respect of Lok Sabha Unstarred Question No. 2066 for reply on 14.03.2022       | Annexure-II as referred to in respect of Lok Sabha Unstarred Question No. 2066 for reply on 14.03.2022       |
|--------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|
| PM SVANidhi SCHEME Statement showing district-wise and year-wise number of beneficiaries as well as the fund | PM SVANidhi SCHEME Statement showing district-wise and year-wise number of beneficiaries as well as the fund | PM SVANidhi SCHEME Statement showing district-wise and year-wise number of beneficiaries as well as the fund | PM SVANidhi SCHEME Statement showing district-wise and year-wise number of beneficiaries as well as the fund | PM SVANidhi SCHEME Statement showing district-wise and year-wise number of beneficiaries as well as the fund |
| Districts                                                                                                    | FY 2020-21                                                                                                   | FY 2020-21                                                                                                   | FY 2021-22 (upto 07.03.2022)                                                                                 | FY 2021-22 (upto 07.03.2022)                                                                                 |
| Districts                                                                                                    | Number of Beneficiary                                                                                        | Disbursed amount (in ₹)                                                                                      | Number of Beneficiary                                                                                        | Disbursed amount (in ₹)                                                                                      |
| Ajmer                                                                                                        | 3,254                                                                                                        | 147,60,793                                                                                                   | 1,124                                                                                                        | 113,00,900                                                                                                   |
| Alwar                                                                                                        | 2,072                                                                                                        | 47,51,300                                                                                                    | 672                                                                                                          | 66,00,000                                                                                                    |
| Banswara                                                                                                     | 2,385                                                                                                        | 47,12,100                                                                                                    | 350                                                                                                          | 43,95,000                                                                                                    |
| Baran                                                                                                        | 706                                                                                                          | 70,36,602                                                                                                    | 153                                                                                                          | 15,05,000                                                                                                    |
| Barmer                                                                                                       | 385                                                                                                          | 38,36,434                                                                                                    | 222                                                                                                          | 23,60,000                                                                                                    |
| Bharatpur                                                                                                    | 1,952                                                                                                        | 71,75,000                                                                                                    | 510                                                                                                          | 50,67,000                                                                                                    |
| Bhilwara                                                                                                     | 1,335                                                                                                        | 133,31,333                                                                                                   | 996                                                                                                          | 100,15,000                                                                                                   |
| Bikaner                                                                                                      | 874                                                                                                          | 87,37,800                                                                                                    | 27                                                                                                           | 4,90,000                                                                                                     |
| Bundi                                                                                                        | 855                                                                                                          | 85,43,000                                                                                                    | 118                                                                                                          | 12,70,000                                                                                                    |
| Chittorgarh                                                                                                  | 1,267                                                                                                        | 126,24,553                                                                                                   | 279                                                                                                          | 27,75,000                                                                                                    |
| Churu                                                                                                        | 1,284                                                                                                        | 128,29,167                                                                                                   | 583                                                                                                          | 59,60,000                                                                                                    |
| Dausa                                                                                                        | 729                                                                                                          | 72,80,000                                                                                                    | 121                                                                                                          | 11,60,000                                                                                                    |
| Dholpur                                                                                                      | 1,080                                                                                                        | 106,85,000                                                                                                   | 201                                                                                                          | 19,84,000                                                                                                    |
| Dungarpur                                                                                                    | 594                                                                                                          | 59,15,000                                                                                                    | 56                                                                                                           | 5,40,000                                                                                                     |
| Ganganagar                                                                                                   | 1,184                                                                                                        | 117,76,967                                                                                                   | 607                                                                                                          | 60,60,000                                                                                                    |
| Hanumangarh                                                                                                  | 1,104                                                                                                        | 110,04,167                                                                                                   | 380                                                                                                          | 40,30,000                                                                                                    |
| Jaipur                                                                                                       | 12,454                                                                                                       | 1242,26,572                                                                                                  | 3,242                                                                                                        | 320,29,396                                                                                                   |
| Jaisalmer                                                                                                    | 425                                                                                                          | 42,49,167                                                                                                    | 70                                                                                                           | 7,00,000                                                                                                     |
| Jalore                                                                                                       | 365                                                                                                          | 36,45,000                                                                                                    | 144                                                                                                          | 14,31,000                                                                                                    |
| Jhalawar                                                                                                     | 589                                                                                                          | 58,60,200                                                                                                    | 161                                                                                                          | 16,00,000                                                                                                    |
| Jhunjhunu                                                                                                    | 1,119                                                                                                        | 111,77,172                                                                                                   | 372                                                                                                          | 37,51,000                                                                                                    |
| Jodhpur                                                                                                      | 1,244                                                                                                        | 122,76,001                                                                                                   | 930                                                                                                          | 93,32,000                                                                                                    |
| Karauli                                                                                                      | 783                                                                                                          | 78,15,000                                                                                                    | 359                                                                                                          | 35,20,000                                                                                                    |
| Kota                                                                                                         | 2,832                                                                                                        | 33,99,984                                                                                                    | 1,199                                                                                                        | 120,95,999                                                                                                   |
| Nagaur                                                                                                       | 1,328                                                                                                        | 131,78,556                                                                                                   | 534                                                                                                          | 53,50,000                                                                                                    |
| Pali                                                                                                         | 1,266                                                                                                        | 126,54,997                                                                                                   | 662                                                                                                          | 66,20,000                                                                                                    |
| Pratapgarh                                                                                                   | 366                                                                                                          | 36,43,300                                                                                                    | 36                                                                                                           | 5,15,000                                                                                                     |
| Rajsamand                                                                                                    | 549                                                                                                          | 54,57,503                                                                                                    | 266                                                                                                          | 26,55,000                                                                                                    |
| Sawai madhopur                                                                                               | 1,024                                                                                                        | 102,18,000                                                                                                   | 330                                                                                                          | 32,40,000                                                                                                    |
| Sikar                                                                                                        | 1,145                                                                                                        | 114,30,000                                                                                                   | 500                                                                                                          | 50,04,000                                                                                                    |
| Sirohi                                                                                                       | 730                                                                                                          | 72,75,703                                                                                                    | 493                                                                                                          | 53,05,000                                                                                                    |
| Tonk                                                                                                         | 990                                                                                                          | 98,07,789                                                                                                    | 223                                                                                                          | 20,78,000                                                                                                    |
| Udaipur                                                                                                      | 2,053                                                                                                        | 20,36,001                                                                                                    | 505                                                                                                          | 54,73,000                                                                                                    |
| Grand Total                                                                                                  | 50,322                                                                                                       | 39,33,50,161                                                                                                 | 16,425                                                                                                       | 16,62,11,295                                                                                                 |

| Annexure-III as referred to in respect of Lok Sabha Unstarred Question No. 2066 for reply on 14.03.2022            | Annexure-III as referred to in respect of Lok Sabha Unstarred Question No. 2066 for reply on 14.03.2022            | Annexure-III as referred to in respect of Lok Sabha Unstarred Question No. 2066 for reply on 14.03.2022            |
|--------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------|
| PM SVANidhi SCHEME Statement showing State-wise Direct Benefit Transfer under PM SVANidhi Scheme (upto 07.03.2022) | PM SVANidhi SCHEME Statement showing State-wise Direct Benefit Transfer under PM SVANidhi Scheme (upto 07.03.2022) | PM SVANidhi SCHEME Statement showing State-wise Direct Benefit Transfer under PM SVANidhi Scheme (upto 07.03.2022) |
| States/ UTs                                                                                                        | Interest Subsidy Released (amount in ₹)                                                                            | Cash Back Released (amount in ₹)                                                                                   |
| Andaman and Nicobar Islands                                                                                        | 1,04,926                                                                                                           | 4,625                                                                                                              |
| Andhra Pradesh                                                                                                     | 2,63,86,306                                                                                                        | 62,98,072                                                                                                          |
| Arunachal Pradesh                                                                                                  | 4,51,984                                                                                                           | 26,607                                                                                                             |
| Assam                                                                                                              | 37,85,548                                                                                                          | 2,29,873                                                                                                           |
| Bihar                                                                                                              | 70,33,406                                                                                                          | 7,81,647                                                                                                           |
| Chandigarh                                                                                                         | 6,09,441                                                                                                           | 1,86,116                                                                                                           |
| Chhattisgarh                                                                                                       | 87,98,084                                                                                                          | 11,41,593                                                                                                          |
| D&D and DNH                                                                                                        | 2,80,568                                                                                                           | 42,587                                                                                                             |
| Delhi                                                                                                              | 56,34,734                                                                                                          | 14,93,458                                                                                                          |
| Goa                                                                                                                | 2,50,651                                                                                                           | 20,360                                                                                                             |
| Gujarat                                                                                                            | 2,35,57,222                                                                                                        | 27,79,475                                                                                                          |
| Haryana                                                                                                            | 40,59,645                                                                                                          | 6,41,363                                                                                                           |
| Himachal Pradesh                                                                                                   | 6,62,337                                                                                                           | 62,091                                                                                                             |
| Jammu and Kashmir                                                                                                  | 16,02,855                                                                                                          | 90,684                                                                                                             |
| Jharkhand                                                                                                          | 58,92,116                                                                                                          | 7,52,754                                                                                                           |
| Karnataka                                                                                                          | 2,60,18,984                                                                                                        | 50,48,857                                                                                                          |
| Kerala                                                                                                             | 20,70,512                                                                                                          | 1,86,912                                                                                                           |
| Ladakh                                                                                                             | 41,962                                                                                                             | 1,522                                                                                                              |
| Madhya Pradesh                                                                                                     | 7,05,01,949                                                                                                        | 1,10,74,581                                                                                                        |
| Maharashtra                                                                                                        | 3,97,06,398                                                                                                        | 75,23,160                                                                                                          |
| Manipur                                                                                                            | 12,67,756                                                                                                          | 57,748                                                                                                             |
| Meghalaya                                                                                                          | 63,996                                                                                                             | 1,366                                                                                                              |
| Mizoram                                                                                                            | 1,06,408                                                                                                           | 2,576                                                                                                              |
| Nagaland                                                                                                           | 2,99,393                                                                                                           | 15,268                                                                                                             |
| Odisha                                                                                                             | 74,72,535                                                                                                          | 14,07,735                                                                                                          |
| Puducherry                                                                                                         | 2,91,550                                                                                                           | 36,146                                                                                                             |
| Punjab                                                                                                             | 67,09,298                                                                                                          | 5,18,818                                                                                                           |
| Rajasthan                                                                                                          | 1,23,33,442                                                                                                        | 27,45,616                                                                                                          |
| Sikkim                                                                                                             | 74                                                                                                                 | -                                                                                                                  |
| Tamil Nadu                                                                                                         | 2,47,79,733                                                                                                        | 25,59,572                                                                                                          |
| Telangana                                                                                                          | 7,23,94,006                                                                                                        | 1,85,01,048                                                                                                        |
| Tripura                                                                                                            | 5,20,426                                                                                                           | 11,609                                                                                                             |
| Uttar Pradesh                                                                                                      | 9,53,63,826                                                                                                        | 1,09,65,031                                                                                                        |
| Uttarakhand                                                                                                        | 22,50,380                                                                                                          | 2,10,751                                                                                                           |
| West Bengal Grand Total                                                                                            | 8,25,113 45,21,27,564                                                                                              | 1,30,990 7,55,50,611                                                                                               |