Lok Sabha Question No. 4448 (UNSTARRED), answered on 2026-03-19
Subject: PM SVANidhi Scheme in Dakshina Kannada
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Shri Captain Brijesh Chowta

## GOVERNMENT OF INDIA

## MINISTRY OF HOUSING AND URBAN AFFAIRS LOK SABHA

## UNSTARRED QUESTION NO. 4448

## TO BE ANSWERED ON MARCH 19, 2026

## PM SVANIDHI SCHEME IN DAKSHINA KANNADA

## NO. 4448. SHRI CAPTAIN BRIJESH CHOWTA:

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

- (a) the number of beneficiaries sanctioned and disbursed loans under the Pradhan Mantri Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi)  scheme  in  Karnataka  during  the  last  five  years,  with specific details for Dakshina Kannada district;
- (b) the total amount of credit extended to street vendors in Dakshina Kannada  district,  tranche-wise  along  with  the  number  of  vendors
- who have availed second and third loans under the said scheme;
- (c) whether any survey or study has been conducted by the Government  to  assess  the  effectiveness  of  the  PM  SVANidhi scheme in improving the income and livelihood of street vendors in Dakshina Kannada; and
- (d) if  so,  the  details  of  the  findings  thereof, particularly regarding the use  of  digital  payments  and  the  coverage  of  beneficiaries  under related social security schemes?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF HOUSING AND URBAN AFFAIRS (SHRI TOKHAN SAHU)

(a): During last 5 years (2020-21 to 2024-25), under PM SVANidhi scheme, 5,73,033  loans  had  been  sanctioned  and  5,65,130  loans  had  been disbursed to 3,95,683 street vendor beneficiaries in the state of Karnataka.

In Dakshina Kannada district, during last 5 years, 19,467 loans had been sanctioned and 19,228 loans had been disbursed to 12,768 street vendor beneficiaries.

(b): Since the inception of PM SVANidhi scheme till 1st March 2026, the total amount of loans disbursed tranche-wise along with beneficiaries in

- Dakshina Kannada district is provided in Annexure - I.
- (c)  &  (d):  Yes.  Impact  assessment studies  of  the  PM  SVANidhi  scheme had been undertaken by Indian School of Business (ISB), Hyderabad in 2023 & 2025.  The 2023 study was conducted in 100 Urban Local Bodies (ULBs) across the country covering more than 5,000 beneficiaries and it found  that  PM  SVANidhi  was  the  first  loan from a bank for 95% of the

beneficiaries and the loan was utilized for expanding their business. The 2025 study was conducted in 99 Urban Local Bodies (ULBs) across the country covering more than 5,000 beneficiaries (with around 60% of the respondents being part of the 2023 study sample) and it found that the average annualized business income among SVANidhi borrowers grew by around  20  percent,  between  2023  and  2025.  Around  30  percent  of borrowers  across  all  cycles  reported  holding  loans  other  than  PM SVANidhi loans which underscores the scheme's role in building credit histories  for  vendors  who  previously  had  little  or  no  access  to  formal credit.  Further  the  study  also  found  that  between  2023  and  2025,  the adoption of digital payments among street vendors rose from 45 percent to  83  percent.  The  study  also  found  the  scheme's  impact  extends  well beyond  business  recovery.  By  easing  credit  constraints  and  stabilizing household  cash  flows,  the  scheme  has  enabled  vendor  families  to improve living  conditions,  strengthen  food  security,  enhance  access  to health-care, and support children's education.

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ANNEXURE-I  REFERRED  TO  IN  REPLY  TO  LOK  SABHA  UNSTARRED QUESTION NO. 4448 TO BE ANSWERED ON 19 TH  MARCH, 2026

THE  AMOUNT  OF  LOANS  DISBURSED  TRANCHE-WISE  ALONG  WITH NUMBER OF BENEFICIARIES IN DAKSHINA KANNADA DISTRICT UNDER PM SVANIDHI SCHEME

(As on 01.03.2026)

| Loan Tranche     | No. of Beneficiaries   |   Amount of Loans Disbursed (in ₹ Cr.) |
|------------------|------------------------|----------------------------------------|
| Loan Tranche - 1 | 13,314                 |                                  13.56 |
| Loan Tranche - 2 | 6,483                  |                                  13.69 |
| Loan Tranche - 3 | 2,250                  |                                  11.23 |

(Data Source: PM SVANidhi Portal)