Lok Sabha Question No. 1391 (UNSTARRED), answered on 2022-12-15
Subject: Loan Application under PM SVANidhi Scheme
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Sunil Kumar Singh, Sudhakar Tukaram Shrangre, Shivkumar Chanabasappa Udasi, Devji Mansingram Patel, Ranjeetsingh Naik Nimbalkar, Sumedhanand Saraswati, Manoj Rajoria, Saikia Dilip, Ranjeeta Koli

## GOVERNMENT OF INDIA MINISTRY OF HOUSING AND URBAN AFFAIRS

## LOK SABHA

## UNSTARRED QUESTION NO.1391 TO BE ANSWERED ON DECEMBER 15, 2022

## LOAN APPLICATION UNDER PM SVANIDHI SCHEME

NO. 1391.  SHRI SUNIL KUMAR SINGH:

SHRI SUDHAKAR TUKARAM SHRANGARE:

SHRI SHIVAKUMAR C. UDASI:

SHRI DEVJI M. PATEL:

SHRI RANJEETSINGH HINDURAO NAIK NIMBALKAR:

SHRI SUMEDHANAND SARASWATI:

DR. MANOJ RAJORIA:

SHRI DILIP SAIKIA:

SHRIMATI RANJEETA KOLI:

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

- (a) the total number of loan applications received/sanctioned and loan amount  released  or  disbursed  to  vendors  under  Pradhan  Mantri Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi) scheme during the last three years, State/UT-wise, particularly in Jharkhand, Maharashtra, Karnataka, Rajasthan and Assam;
- (b) the  details  of  loan  amount  repaid  by  the  vendors  under  the  fixed
- time frame; and
- (c) 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) The details of total number of loan application received/sanctioned/loan amount disbursed to vendors under Pradhan  Mantri  Street  Vendor's  AtmaNirbhar  Nidhi  (PM  SVANidhi) since inception of the Scheme in the State of Jharkhand, Maharashtra, Karnataka, Rajasthan and Assam is as under:

| State Name   | Eligible Applications   | Applications Sanctioned   | Loan Disbursed   |   Disbursed Amount (in ₹ Cr) |
|--------------|-------------------------|---------------------------|------------------|------------------------------|
| Jharkhand    | 66,712                  | 40,861                    | 34,920           |                        39.34 |
| Maharashtra  | 4,96,987                | 3,45,277                  | 2,57,513         |                       297.12 |
| Karnataka    | 3,03,662                | 2,26,850                  | 1,91,027         |                       228.85 |
| Rajasthan    | 1,59,308                | 88,202                    | 71,344           |                        74.9  |
| Assam        | 96,628                  | 77,938                    | 66,100           |                        71.76 |

The State/UT-wise details is at Annexure-I.

- (b) The details of loan amount fully repaid (1 st  loan of upto ₹10,000 and 2 nd  loan of upto ₹20,000) by the vendors under the fixed time frame is at Annexure-II.
- (c) 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. Enhanced  3 rd   loan  of  upto  ₹50,000/-  has  also  been  introduced  w.e.f 01.06.2022. 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.1391 TO BE ANSWERED ON DECEMBER 15, 2022

STATEMENT  SHOWING  STATE/UT  WISE  NUMBER  OF  LOAN  APPLICATIONS RECEIVED/SANCTIONED/LOAN  AMOUNT  RELEASED/  DISBURSED  TO  VENDORS UNDER PM SVANIDHI SCHEME

(As on December 05, 2022)

| Rank     | State Name                        | Applications Received   | Applications Sanctioned   | Loan Disbursed   | Disbursed Amount (in ₹ Cr)   |
|----------|-----------------------------------|-------------------------|---------------------------|------------------|------------------------------|
| 1        | Andaman And Nicobar Islands       | 882                     | 724                       | 637              | 0.80                         |
| 2        | Andhra Pradesh                    | 3,33,945                | 2,58,411                  | 2,28,763         | 266.71                       |
| 3        | Arunachal Pradesh                 | 6,646                   | 4,401                     | 3,311            | 3.87                         |
| 4        | Assam                             | 96,628                  | 77,938                    | 66,100           | 71.76                        |
| 5        | Bihar                             | 1,17,373                | 68,239                    | 53,982           | 57.70                        |
| 6        | Chandigarh                        | 7,823                   | 5,503                     | 5,044            | 6.24                         |
| 7        | Chhattisgarh                      | 1,11,556                | 65,714                    | 55,797           | 62.78                        |
| 8        | Daman, Diu & Dadra & Nagar Haveli | 2,991                   | 1,737                     | 1,380            | 1.46                         |
| 9        | Delhi                             | 1,28,386                | 83,560                    | 58,585           | 64.36                        |
| 10       | Goa                               | 2,589                   | 1,852                     | 1,707            | 2.20                         |
| 11       | Gujarat                           | 4,11,495                | 2,98,395                  | 2,67,526         | 312.27                       |
| 12       | Haryana                           | 69,475                  | 44,663                    | 36,350           | 42.87                        |
| 13       | Himachal Pradesh                  | 6,872                   | 5,549                     | 5,262            | 7.41                         |
| 14       | Jammu And Kashmir                 | 26,933                  | 20,291                    | 18,026           | 21.62                        |
| 15       | Jharkhand                         | 66,712                  | 40,861                    | 34,920           | 39.34                        |
| 16       | Karnataka                         | 3,03,662                | 2,26,850                  | 1,91,027         | 228.85                       |
| 17       | Kerala                            | 19,834                  | 15,970                    | 14,970           | 19.80                        |
| 18       | Ladakh                            | 598                     | 490                       | 458              | 0.64                         |
| 19       | Madhya Pradesh                    | 8,85,347                | 6,84,558                  | 6,16,076         | 729.38                       |
| 20       | Maharashtra                       | 4,96,987                | 3,45,277                  | 2,57,513         | 297.12                       |
| 21       | Manipur                           | 20,263                  | 11,483                    | 9,509            | 10.38                        |
| 22       | Meghalaya                         | 1,886                   | 1,555                     | 1,307            | 1.45                         |
| 23       | Mizoram                           | 996                     | 642                       | 616              | 0.75                         |
| 24       | Nagaland                          | 3,456                   | 2,299                     | 1,946            | 2.27                         |
| 25       | Odisha                            | 80,501                  | 57,294                    | 42,005           | 47.89                        |
| 26       | Puducherry                        | 2,433                   | 1,905                     | 1,679            | 2.08                         |
| 27       | Punjab                            | 1,10,852                | 54,520                    | 47,312           | 52.96                        |
| 28       | Rajasthan                         | 1,59,308                | 88,202                    | 71,344           | 74.90                        |
| 29       | Sikkim                            | 5                       | 1                         | 1                | 0.00                         |
| 30       | Tamil Nadu                        | 4,25,475                | 2,48,425                  | 2,08,741         | 238.66                       |
| 31       | Telangana                         | 6,21,689                | 5,19,339                  | 4,47,589         | 544.78                       |
| 32       | Tripura                           | 6,162                   | 4,549                     | 3,750            | 4.25                         |
| 33 Uttar | Pradesh                           | 12,44,724               | 10,66,569                 | 9,97,523         | 1,121.29                     |
| 34       | Uttarakhand                       | 25,887                  | 17,253                    | 15,533           | 19.18                        |
| 35       | West Bengal                       | 34,264                  | 16,883                    | 14,516           | 14.77                        |
| Total    | Total                             | 58,34,635               | 43,41,902                 | 37,80,805        | 4,372.81                     |

ANNEXURE-II REFERRED TO IN REPLY TO LOK SABHA UNSTARRED QUESTION NO.1391TO BE ANSWERED ON DECEMBER 15, 2022 STATEMENT SHOWING LOAN AMOUNT FULLY REPAID (1 st  AND  2 nd   LOAN)  BY

THE VENDORS UNDER THE FIXED TIME FRAME UNDER PM SVANIDHI SCHEME

(As on December 05, 2022)

|       |                                   | 1st Loan           | 1st Loan                | 2nd Loan           | 2nd Loan                |
|-------|-----------------------------------|--------------------|-------------------------|--------------------|-------------------------|
| S.No. | State Name                        | Loans Fully Repaid | Repaid Amount (in ₹ Cr) | Loans Fully Repaid | Repaid Amount (in ₹ Cr) |
| 1     | Andaman And Nicobar Islands       | 371                | 0.37                    | 5                  | 0.01                    |
| 2     | Andhra Pradesh                    | 97,648             | 97.13                   | 439                | 0.94                    |
| 3     | Arunachal Pradesh                 | 1,779              | 1.78                    | 22                 | 0.05                    |
| 4     | Assam                             | 12,235             | 12.32                   | 144                | 0.32                    |
| 5     | Bihar                             | 21,870             | 21.55                   | 33                 | 0.07                    |
| 6     | Chandigarh                        | 2,349              | 2.34                    | 44                 | 0.09                    |
| 7     | Chhattisgarh                      | 25,968             | 25.75                   | 231                | 0.50                    |
| 8     | Daman, Diu & Dadra & Nagar Haveli | 813                | 0.81                    | -                  | -                       |
| 9     | Delhi                             | 24,826             | 24.66                   | 37                 | 0.08                    |
| 10    | Goa                               | 982                | 0.98                    | 29                 | 0.06                    |
| 11    | Gujarat                           | 81,795             | 81.60                   | 1,493              | 3.12                    |
| 12    | Haryana                           | 15,454             | 15.35                   | 183                | 0.39                    |
| 13    | Himachal Pradesh                  | 2,614              | 2.61                    | 216                | 0.44                    |
| 14    | Jammu And Kashmir                 | 8,625              | 8.64                    | 135                | 0.28                    |
| 15    | Jharkhand                         | 15,912             | 15.83                   | 98                 | 0.21                    |
| 16    | Karnataka                         | 80,228             | 80.08                   | 1,165              | 2.48                    |
| 17    | Kerala                            | 6,793              | 6.75                    | 344                | 0.71                    |
| 18    | Ladakh                            | 252                | 0.25                    | 5                  | 0.01                    |
| 19    | Madhya Pradesh                    | 2,01,915           | 201.98                  | 3,627              | 7.68                    |
| 20    | Maharashtra                       | 1,05,056           | 104.48                  | 740                | 1.59                    |
| 21    | Manipur                           | 3,672              | 3.68                    | 9                  | 0.02                    |
| 22    | Meghalaya                         | 262                | 0.27                    | 9                  | 0.02                    |
| 23    | Mizoram                           | 362                | 0.36                    | 11                 | 0.02                    |
| 24    | Nagaland                          | 892                | 0.89                    | 7                  | 0.02                    |
| 25    | Odisha                            | 22,787             | 22.54                   | 115                | 0.25                    |
| 26    | Puducherry                        | 840                | 0.84                    | 2                  | -                       |
| 27    | Punjab                            | 22,618             | 22.42                   | 58                 | 0.13                    |
| 28    | Rajasthan                         | 39,490             | 39.28                   | 22                 | 0.04                    |
| 29    | Sikkim                            | -                  | -                       | -                  | -                       |
| 30    | Tamil Nadu                        | 86,980             | 86.24                   | 228                | 0.48                    |
| 31    | Telangana                         | 2,12,248           | 210.78                  | 970                | 2.09                    |
| 32    | Tripura                           | 1,373              | 1.37                    | 44                 | 0.09                    |
| 33    | Uttar Pradesh                     | 3,36,966           | 331.49                  | 1,050              | 2.24                    |
| 34    | Uttarakhand                       | 7,359              | 7.32                    | 82                 | 0.17                    |
| 35    | West Bengal                       | 3,107              | 3.07                    | -                  | -                       |
| Total | Total                             | 14,46,441          | 1,435.81                | 11,597             | 24.60                   |

Note: The 3 rd  loan of upto ₹50,000 of tenure of 36 months has been started w.e.f. 01 June, 2022, hence so far no loan has been fully repaid.