Lok Sabha Question No. 71 (STARRED), answered on 2023-12-07
Subject: Loan Applications under PM SVANidhi Scheme
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: DNV Senthilkumar. S., Supriya Sadanand Sule

## GOVERNMENT OF INDIA MINISTRY OF HOUSING AND URBAN AFFAIRS LOK SABHA

## STARRED QUESTION NO. 71 TO BE ANSWERED ON DECEMBER 07, 2023

## LOAN APPLICATIONS UNDER PM SVANIDHI SCHEME

## NO. 71. DR. DNV SENTHILKUMAR S: SHRIMATI SUPRIYA SULE:

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

- (a)  the  details  and  the  number  of  loan  applications  received, approved and loan amount disbursed to street vendors under the PM SVANidhi Scheme in the State of Tamil Nadu, Maharashtra, Odisha and Andaman & Nicobar Islands;
- (b)  whether  the  loan  amount  is  directly  disbursed  by  lending institutions to the beneficiaries of the PM SVANidhi scheme and if so, the details thereof;
- (c)  the  details  and  the  number  of  financial  literacy  and  capacity building  programmes  conducted  by  the  Government  and  the number  of  applications  received  along  with  the  users  of  web portal under PM SVANidhi Scheme in country, State/district-wise,
- particularly in Tamil Nadu;
- (d)  whether  the  Government  has  taken  any  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;
- (e)  the  steps  taken  by  the  Government  for  financial  inclusion  of more and more vendors and also for improvement of their living conditions ;
- (f)  the  total  number  of  vending  certificates  or  Identity  Cards  (ID cards)  issued  to  street  vendors  in  Maharashtra  by  Urban  Local Bodies (ULBs) during last three years and current financial year, district-wise ;
- (g) whether the Government has taken notice of the cases of ULBs refusing  to  issue  vending  certificates  or  ID  cards  across  the country;  and
- (h) if so, whether any appellate mechanism exist in this regard and if so, the details thereof?

## ANSWER THE MINISTER OF HOUSING AND URBAN AFFAIRS (SHRI HARDEEP SINGH PURI)

(a) to (h): A statement is laid on the Table of the House.

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STATEMENT REFERRED TO IN REPLY TO THE LOK SABHA STARRED QUESTION  NO.  71  DUE  FOR  ANSWER  ON  07.12.2023  REGARDING LOAN APPLICATIONS UNDER PM SVANIDHI SCHEME.

(a): The  details of  the  number  of  loan  applications  received, sanctioned and loan amount disbursed to street vendors under the Pradhan Mantri Street Vendor's AtmaNirbharNidhi (PM SVANidhi) in the  State  of  Tamil  Nadu,  Maharashtra,  Odisha  and  Andaman  & Nicobar Islands are at Annexure-I.

(b): Yes. The loan amount is directly disbursed by lending institutions  to  the  beneficiaries  of  the  PM  SVANidhi  scheme.  The details  of  total  amount  of  loan  disbursed  lending  institution-wise participating in the PM SVANidhi scheme are at Annexure-II.

(c):  Digital onboarding of street vendors is an integral component of PM SVANidhi Scheme. As such, on-boarded beneficiaries are trained in debit and credit transactions by conducting penny drop transaction  by  the  concerned  Lending  Institutions.  So  far,  over 31.44 lakh street vendors are digitally active.

In  addition,  the  guidelines  of  'Support  to  Urban  Street  Vendor (SUSV)' under centrally sponsored scheme of  Deendayal Antyodaya Yojana-National  Urban  Livelihoods  Mission  (DAY-NULM)  prescribe that  Urban  Local  Body  (ULB)  will  organize  sessions  on  financial literacy  for  identified  street  vendors  with  support  of  resource organization and field staff.

As  on  29.11.2023,  a  total  of  96.34  lakh  eligible  applications  have been  received  under  the  PM  SVANidhi  Scheme.  The  details  of number of eligible applications received alongwith the users of web portal  under  PM  SVANidhi  Scheme  across  the  country  including district-wise  data  for  the  state  of  Tamil  Nadu  are  at  Annexure-III. Apart from this, there are 2,22,788  institutional users onboarded on PM SVANidhi Portal.

- (d): Yes. Ministry of Housing & Urban Affairs  (MoHUA)  & Department of Financial Services (DFS) regularly conduct joint/separate review meetings with the Lending Institutions including private sector banks, to improve their performance under the Scheme.  As on November 29, 2023, Private Sector Banks have disbursed 1,26,090 loans amounting to Rs. 153.76 crore.
- (e):    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  beyond  31 st   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 socio- economic 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. (f): During last three years and  current financial year upto 29.11.2023,  total  29,987  Certificate  of  Vending  (CoVs)  and  21,683 Identity Cards (ID cards) have been issued to the street vendors by the  Urban  Local  Bodies  in  the  State  of  Maharashtra.  District-wise details are at Annexure-IV. (g)  &  (h):    As  per  the  provision  of  Street  Vendors  (Protection  of Livelihood and Regulation of Street Vending) Act, 2014, issuance of CoV and ID Card is the responsibility of Town Vending Committee under administrative  control  of  State  Govt.  Section  20  of  the  said Act  empowers  the  appropriate  Government  to  constitute  one  or more  Grievance  Redressal  Committee  (GRC)  for  the  purpose  of addressing the grievances or disputes of street vendors. ******

ANNEXURE-I  REFERRED  TO  IN  REPLY  TO  LOK  SABHA  STARRED QUESTION NO. 71 TO BE ANSWERED ON DECEMBER 07, 2023

STATEMENT  SHOWING  THE  DETAILS  OF  THE  NUMBER  OF  LOAN APPLICATIONS RECEIVED, SANCTIONED AND LOAN AMOUNT DISBURSED  TO  STREET  VENDORS  UNDER  THE  PM  SVANIDHI SCHEME IN THE STATE OF TAMIL NADU, MAHARASHTRA, ODISHA AND ANDAMAN & NICOBAR ISLANDS

(As on 29.11.2023)

|   S No. | Name of State/UT          | Eligible Loan Applications   | Applications Sanctioned   | Loan Disbursed   |   Disbursed Amount (in Rs. Crore) |
|---------|---------------------------|------------------------------|---------------------------|------------------|-----------------------------------|
|       1 | Tamil Nadu                | 6,58,158                     | 4,89,118                  | 4,61,079         |                             593.9 |
|       2 | Maharashtra               | 11,13,464                    | 8,68,133                  | 7,82,013         |                             933.1 |
|       3 | Odisha                    | 1,08,266                     | 84,959                    | 79,919           |                             113.7 |
|       4 | Andaman & Nicobar Islands | 1,038                        | 926                       | 877              |                               1.3 |

Data Source:- PM SVANidhi Portal

ANNEXURE-II  REFERRED  TO  IN  REPLY  TO  LOK  SABHA  STARRED QUESTION NO. 71 TO BE ANSWERED ON DECEMBER 07, 2023

STATEMENT  SHOWING  LENDING  INSTITUTION-WISE  DETAILS  OF TOTAL  AMOUNT  OF  LOAN  DISBURSED  UNDER  PM  SVANIDHI SCHEME

(As on 29.11.2023)

| S. No.   | Type of Lending Institution            | Total Loan Disbursed   | Amount of Loan Disbursed (In Rs. in Cr)   |
|----------|----------------------------------------|------------------------|-------------------------------------------|
| 1        | PSB - Public Sector Banks              | 68,25,004              | 8,977                                     |
| 2        | Pvt. Banks                             | 1,25,852               | 153                                       |
| 3        | SFB - Small Finance Banks              | 12,476                 | 15                                        |
| 4        | NBFC - Non Banking Financial Companies | 89                     | 0.089                                     |
| 5        | State Co-operative Banks               | 1,19,108               | 158                                       |
| 6        | MFI - Microfinance Institutions        | 11,872                 | 17                                        |
| 7        | Urban CO-operative Banks               | 2,117                  | 3                                         |
| 8        | RRB -Regional Rural Banks              | 2,81,803               | 379                                       |
| 9        | DCB - District Cooperative Bank        | 18,811                 | 20                                        |
|          | Total                                  | 73,97,132              | 9,722.089                                 |

Data Source:- PM SVANidhi Portal

ANNEXURE-III REFERRED TO IN REPLY TO LOK SABHA STARRED QUESTION NO. 71 TO BE ANSWERED ON DECEMBER 07, 2023

STATEMENT SHOWING THE DETAILS OF NUMBER OF ELIGIBLE APPLICATIONS RECEIVED  ALONG  WITH  THE  USERS  OF  WEB  PORTAL  UNDER  PM  SVANIDHI SCHEME ACROSS THE COUNTRY INCLUDING  THE STATE OF TAMIL NADU.

(As on 29.11.2023)

|   S.No. | State Name                               | Total Eligible Applications   | Total Users of Web Portal   |
|---------|------------------------------------------|-------------------------------|-----------------------------|
|       1 | ANDAMAN AND NICOBAR ISLANDS              | 1,038                         | 617                         |
|       2 | ANDHRA PRADESH                           | 4,95,186                      | 4,24,805                    |
|       3 | ARUNACHAL PRADESH                        | 7,785                         | 7,211                       |
|       4 | ASSAM                                    | 1,62,215                      | 1,62,257                    |
|       5 | BIHAR                                    | 1,93,473                      | 1,87,054                    |
|       6 | CHANDIGARH                               | 9,685                         | 6,226                       |
|       7 | CHHATTISGARH                             | 1,32,804                      | 1,19,010                    |
|       8 | Daman And Diu And Dadra And Nagar Haveli | 3,039                         | 2,533                       |
|       9 | DELHI                                    | 2,77,704                      | 2,55,201                    |
|      10 | GOA                                      | 2,883                         | 1,893                       |
|      11 | GUJARAT                                  | 6,92,098                      | 6,58,645                    |
|      12 | HARYANA                                  | 2,50,148                      | 2,45,347                    |
|      13 | HIMACHAL PRADESH                         | 9,892                         | 6,185                       |
|      14 | JAMMU AND KASHMIR                        | 33,702                        | 20,496                      |
|      15 | JHARKHAND                                | 1,34,312                      | 1,24,192                    |
|      16 | KARNATAKA                                | 5,18,883                      | 4,89,304                    |
|      17 | KERALA                                   | 96,692                        | 90,690                      |
|      18 | LADAKH                                   | 854                           | 480                         |
|      19 | LAKSHADWEEP                              | -                             | -                           |
|      20 | MADHYA PRADESH                           | 12,66,318                     | 9,63,690                    |
|      21 | MAHARASHTRA                              | 11,13,464                     | 11,67,920                   |
|      22 | MANIPUR                                  | 22,186                        | 17,483                      |
|      23 | MEGHALAYA                                | 3,847                         | 3,525                       |
|      24 | MIZORAM                                  | 2,745                         | 2,460                       |
|      25 | NAGALAND                                 | 5,111                         | 3,970                       |
|      26 | ODISHA                                   | 1,08,266                      | 81,688                      |
|      27 | PUDUCHERRY                               | 4,775                         | 3,817                       |
|      28 | PUNJAB                                   | 2,26,170                      | 2,30,014                    |
|      29 | RAJASTHAN                                | 2,64,835                      | 2,48,214                    |
|      30 | SIKKIM                                   | 1,132                         | 1,186                       |

| S.No.   | State Name    | Total Eligible Applications   | Total Users of Web Portal   |
|---------|---------------|-------------------------------|-----------------------------|
| 31      | 6,58,158      | 5,64,931                      | TAMIL NADU                  |
| 32      | 7,48,951      | 5,23,903                      | TELANGANA                   |
| 33      |               | 8,110 6,135                   | TRIPURA                     |
| 34      | UTTAR PRADESH | 18,97,398 17,91,191           |                             |
| 35      | UTTARAKHAND   | 40,817                        | 31,439                      |
| 36      | WEST BENGAL   | 2,39,555                      | 2,40,589                    |
|         | Grand Total   | 96,34,231                     | 86,84,301                   |

Data Source:- PM SVANidhi Portal

STATEMENT  SHOWING  THE  DISTRICT  WISE  DATA  OF  NUMBER  OF  ELIGIBLE APPLICATIONS RECEIVED ALONGWITH THE USERS OF WEB PORTAL UNDER PM SVANIDHI SCHEME IN THE STATE OF TAMIL NADU

| District Name   | Total Eligible Applications   | Total Users Of Web Portal   |
|-----------------|-------------------------------|-----------------------------|
| ARIYALUR        | 1,455                         | 1,217                       |
| CHENGALPATTU    | 7,597                         | 7,037                       |
| CHENNAI         | 1,57,888                      | 1,31,402                    |
| COIMBATORE      | 52,551                        | 43,865                      |
| CUDDALORE       | 17,013                        | 14,337                      |
| DHARMAPURI      | 4,095                         | 4,270                       |
| DINDIGUL        | 18,046                        | 15,531                      |
| ERODE           | 17,612                        | 15,903                      |
| KANCHIPURAM     | 26,998                        | 24,098                      |
| KANNIYAKUMARI   | 17,126                        | 13,108                      |
| KARUR           | 7,482                         | 6,180                       |
| KRISHNAGIRI     | 6,673                         | 5,903                       |
| MADURAI         | 34,518                        | 27,635                      |
| NAGAPATTINAM    | 7,695                         | 6,340                       |
| NAMAKKAL        | 11,196                        | 10,047                      |
| PERAMBALUR      | 1,419                         | 1,377                       |
| PUDUKKOTTAI     | 5,470                         | 4,427                       |
| RAMANATHAPURAM  | 7,728                         | 5,974                       |
| Ranipet         | 2,332                         | 2,210                       |
| SALEM           | 37,872                        | 36,744                      |
| SIVAGANGA       | 6,604                         | 5,955                       |
| TENKASI         | 5,019                         | 4,264                       |
| THANJAVUR       | 16,199                        | 13,380                      |

| District Name   | Total Eligible Applications   | Total Users Of Web Portal   |
|-----------------|-------------------------------|-----------------------------|
| THE NILGIRIS    | 8,846                         | 7,190                       |
| THENI           | 15,638                        | 11,803                      |
| THIRUVALLUR     | 12,833                        | 11,308                      |
| THIRUVARUR      | 5,856                         | 5,062                       |
| TIRUCHIRAPPALLI | 28,967                        | 24,885                      |
| TIRUNELVELI     | 17,203                        | 14,145                      |
| Tirupathur      | 3,943                         | 3,400                       |
| TIRUPPUR        | 23,751                        | 22,022                      |
| TIRUVANNAMALAI  | 9,888                         | 10,977                      |
| TUTICORIN       | 14,299                        | 12,118                      |
| VELLORE         | 20,790                        | 18,191                      |
| VILLUPURAM      | 12,281                        | 11,512                      |
| VIRUDHUNAGAR    | 13,275                        | 11,114                      |
| GRAND TOTAL     | 6,58,158                      | 5,64,931                    |

Data Source:- PM SVANidhi Portal

## ANNEXURE-IV REFERRED TO IN REPLY TO LOK SABHA STARRED QUESTION NO. 71 TO BE ANSWERED ON DECEMBER 07, 2023

STATEMENT SHOWING YEAR-WISE DETAILS OF CERTIFICATE OF VENDING (COV) AND  ID  CARDS  ISSUED  IN  MAHARASHTRA  DURING  LAST  FIVE  YEARS  AND CURRENT YEAR

(As on 29.11.2023)

| S. No        | District          |                 | 2020-2021   | 2020-2021      | 2021-2022   | 2021-2022      | 2022-2023   | 2022-2023      | 2023-2024 (upto 29.11.2023)   | 2023-2024 (upto 29.11.2023)   |
|--------------|-------------------|-----------------|-------------|----------------|-------------|----------------|-------------|----------------|-------------------------------|-------------------------------|
| Name         | ULB               | Name No. of CoV |             | No. of ID card | No. of CoV  | No. of ID card | No. of CoV  | No. of ID card | No. of CoV                    | No. of ID card                |
| 1 Amravati   | Amravati          | 0               | 0           | 0              | 2,120       | 0              | 0           | 0              | 0                             |                               |
| 2            | Chandur Railway   | 0               | 0           | 0              |             | 145 0          | 0           | 0              |                               | 0                             |
| 3 Aurangabad | Sillod            | 0               | 0           | 0              | 0           | 0              | 75          | 0              |                               | 0                             |
| 4 Buldhana   | Deolgaon Raja     | 0               | 10          | 0              | 0           | 0              | 0           | 0              |                               | 0                             |
| 5            | Shendurjana       | 0               | 286         | 0              | 0           | 0              | 0           | 0              |                               | 0                             |
| 6            | Sindkhed Raja     | 1               | 0           | 0              | 0           | 106            | 61          | 0              |                               | 0                             |
| 7 Chandrapur | Brahmapuri        | 0               | 422         | 0              | 0           | 0              | 0           | 0              |                               | 0                             |
| 8 Kolhapur   | Paranda           | 0               | 0           | 0              | 0           | 0              | 168         | 0              |                               | 0                             |
| 9 Latur      | Latur             | 0               | 0           | 1              | 0           | 0              | 0           | 710            | 0                             |                               |
| 10 Osmanabad | Tuljapur          | 0               | 434         | 8              | 0           | 0              | 0           | 0              |                               | 0                             |
| 11 Parbhani  | Jintur            | 0               | 0           | 0              | 768         | 0              | 0           | 0              | 0                             |                               |
| 12           | Manwath           | 0               | 0           | 0              | 0           | 0              | 70          | 0              |                               | 0                             |
| 13           | Parbhani          | 0               | 0           | 0              | 0           | 0              | 556         | 0              |                               | 1,256                         |
| 14           | Pathri            | 0               | 0           | 0              | 0           | 0              | 480         | 0              |                               | 0                             |
| 15           | Purna             | 0               | 0           | 0              | 0           | 0              | 299         | 0              |                               | 0                             |
| 16 Pune      | Pimpri-Chinchwad  | 5,704           | 0           | 0              | 0           | 0              | 0           | 0              |                               | 0                             |
| 17           | Pune              | 21,592          | 0           | 0              | 0           | 0              | 11,696      | 0              |                               | 0                             |
| 18 Sangli    | SangliMirajKupwad | 0               | 1,275       | 0              | 0           | 0              | 1,562       | 0              |                               | 0                             |
| 19 Thane     | Thane             | 1,865           | 0           | 0              | 0           | 0              | 0           | 0              |                               | 0                             |
|              | Total             |                 | 29,162      | 2,427          | 9 3,033     | 106            | 14,967      |                | 710                           | 1,256                         |

Data Source: - Government of Maharashtra

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