Lok Sabha Question No. 4592 (UNSTARRED), answered on 2026-03-19
Subject: Incremental Working Capital Loans
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Shri Harish Chandra Meena

## GOVERNMENT OF INDIA

## MINISTRY OF HOUSING AND URBAN AFFAIRS LOK SABHA

## UNSTARRED QUESTION NO.4592 TO BE ANSWERED ON MARCH 19, 2026

## INCREMENTAL WORKING CAPITAL LOANS

## NO. 4592. SHRI HARISH CHANDRA MEENA:

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

- (a) whether  it  is  a  fact  that  street  vendors  are  being  provided  with incremental working capital loans under the Pradhan Mantri Street Vendors AtmaNirbhar Nidhi (PM SVANidhi) scheme;
- (b) if  so,  the  number  of  applications  received,  rejected  and  lying pending so far along with the loans sanctioned and disbursed so far in  the  urban  local  bodies  under  Tonk-Sawai  Madhopur  Lok  Sabha Constituency, year-wise;
- (c) the details of the beneficiaries in Rajasthan under the said scheme, district  and  category-  wise  (women,  SC/ST/OBC,  divyangjan  and minority community-wise); and
- (d) whether  the  Government  has  taken  any  specific  action  or  issued any  specific  instructions  to  strengthen  coordination  with  urban local  bodies/banks,  expedite  registration,  loan  disbursement  and digital payment training and prevent fake/duplicate applications for effective implementation of the said scheme and if so, the details thereof?

## ANSWER

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## THE MINISTER OF STATE IN THE (SHRI TOKHAN SAHU)

- (a): Yes.  Under  the  Pradhan  Mantri  Street  Vendors  AtmaNirbhar  Nidhi (PM  SVANidhi)  scheme,  street  vendors  are provided collateral-free working  capital  loans  in  incremental  tranches  to  support  and  expand their  business  activities.  An  eligible  street  vendor  can  avail  a  first tranche of up to ₹15,000 , followed by a second tranche of up to ₹25,000 upon timely repayment of the first loan, and subsequently a third tranche of up to ₹50,000 after successful repayment of the second loan .
- (b):  Since  the  inception  of  PM  SVANidhi  scheme  till  1st  March  2026, 13415 loan applications had been received, a total of 10541 loans had been sanctioned and 10350 loans had been disbursed in the urban local bodies under Tonk-Sawai Madhopur Lok Sabha Constituency. Moreover, about 2,100 and 190 loan applications are at sanctions and disbursements stage respectively. The year-wise number of applications received,  loans  sanctioned  and  disbursed  under  Tonk-Sawai  Madhopur Lok Sabha Constituency are provided in Annexure -I.

(c): Since the inception of PM SVANidhi scheme till 1 st  March 2026, the district and  category-wise  details of the beneficiaries in State of Rajasthan is provided in Annexure - II.

(d):  After  the approval of the restructured PM SVANidhi scheme on 27 th August  2025,  Lok  Kalyan  Melas  were  organized  in  ULBs  from  17 th September 2025 to  15 th   October  2025.  These  Melas  promoted  the  new features of the schemes  and  supported  vendor  mobilization, loan application submission, faster loan disbursement, and digital onboarding of beneficiaries. A special  campaign  across  all  States  and  Union Territories was also undertaken from 3 rd  November 2025 to 2 nd  December 2025 for clearing pendency at both the bank and Urban Local Body (ULB) levels.

Urban  Local  Bodies  (ULBs),  in  collaboration  with  Digital  Payment Aggregators  (DPAs),  also  conduct  regular  digital  literacy  camps.  To enhance  digital  onboarding  and  promote  the  adoption  of  cashless payments  among  street  vendors,  beneficiaries  are  provided  cashback incentives.

Under  the  scheme,  street  vendors  are  required  to  register  and authenticate  identity  using  Aadhaar-based  e-KYC  (in  all  States/UTs except Assam and Meghalaya). Since the Aadhaar number is unique to each individual, the system automatically flags and rejects any attempt to submit multiple applications.

MoHUA along with Department of Financial Services (DFS) conducts regular review meetings with States/UTs/ULBs/Lending Institutions (LIs) to assess the ground level performance and address the issue, if any.

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ANNEXURE-I  REFERRED  TO  IN  REPLY  TO  LOK  SABHA  UNSTARRED QUESTION NO. 4592 TO BE ANSWERED ON 19 TH  MARCH, 2026

THE YEAR-WISE NUMBER OF APPLICATIONS RECEIVED, LOANS SANCTIONED  AND  DISBURSED  IN  THE  URBAN  LOCAL  BODIES  UNDER TONK-SAWAI  MADHOPUR  LOK  SABHA  CONSTITUENCY  UNDER  PM SVANIDHI SCHEME

## (As on 01.03.2026)

| Year                       | No. Applications Received   | No. Loans Sanctioned   | No. Loans Disbursed   |
|----------------------------|-----------------------------|------------------------|-----------------------|
| FY 20-21                   | 4,059                       | 2,197                  | 2,015                 |
| FY 21-22                   | 503                         | 407                    | 567                   |
| FY 22- 23                  | 1,358                       | 535                    | 229                   |
| FY 23-24                   | 2,313                       | 4,271                  | 4,545                 |
| FY 24-25                   | 1,457                       | 1,337                  | 1,373                 |
| FY 25-26 (till 1st Mar'26) | 3,725                       | 1,794                  | 1,621                 |
| Total                      | 13,415                      | 10,541                 | 10,350                |

(Data Source: PM SVANidhi Portal)

## ANNEXURE-II REFERRED TO IN REPLY TO LOK SABHA UNSTARRED QUESTION NO. 4592 TO BE ANSWERED ON 19 TH  MARCH, 2026

## THE  DISTRICT  AND  CATEGORY-WISE  NUMBER  OF  THE  BENEFICIARIES  IN RAJASTHAN UNDER PM SVANIDHI SCHEME

(As on 01.03.2026)

| Name of District   | Total No. of Beneficiaries   | SC     | ST     | OBC    | Minority   | Women   | Divyangjan   |
|--------------------|------------------------------|--------|--------|--------|------------|---------|--------------|
| Ajmer              | 14,036                       | 4,547  | 284    | 6,392  | 543        | 5,127   | 120          |
| Alwar              | 7,425                        | 2,333  | 204    | 3,495  | 100        | 3,363   | 49           |
| Banswara           | 10,848                       | 3,006  | 782    | 4,349  | 672        | 4,226   | 40           |
| Baran              | 2,535                        | 719    | 80     | 1,378  | 148        | 600     | 13           |
| Barmer             | 3,178                        | 887    | 196    | 1,722  | 70         | 1,004   | 17           |
| Bharatpur          | 5,169                        | 2,098  | 30     | 2,328  | 113        | 1,192   | 29           |
| Bhilwara           | 7,185                        | 1,521  | 178    | 4,010  | 301        | 2,579   | 30           |
| Bikaner            | 2,184                        | 713    | 11     | 975    | 67         | 681     | 9            |
| Bundi              | 2,671                        | 631    | 80     | 1,589  | 124        | 695     | 13           |
| Chittorgarh        | 3,444                        | 573    | 128    | 1,893  | 196        | 1,120   | 284          |
| Churu              | 5,891                        | 1,706  | 24     | 2,880  | 571        | 1,950   | 43           |
| Dausa              | 2,983                        | 766    | 220    | 1,542  | 92         | 969     | 21           |
| Dholpur            | 2,845                        | 817    | 19     | 1,243  | 323        | 972     | 25           |
| Dungarpur          | 1,257                        | 167    | 388    | 425    | 71         | 589     | 5            |
| Sri Ganganagar     | 7,884                        | 3,762  | 172    | 2,541  | 268        | 3,241   | 42           |
| Hanumangarh        | 6,562                        | 2,016  | 148    | 3,082  | 282        | 2,541   | 46           |
| Jaipur             | 43,092                       | 7,464  | 3,103  | 15,556 | 2,729      | 15,104  | 530          |
| Jaisalmer          | 1,711                        | 363    | 159    | 910    | 78         | 512     | 12           |
| Jalore             | 1,337                        | 345    | 65     | 829    | 36         | 424     | 11           |
| Jhalawar           | 3,317                        | 917    | 116    | 1,641  | 243        | 955     | 57           |
| Jhunjhunu          | 4,530                        | 1,289  | 47     | 2,353  | 418        | 1,181   | 47           |
| Jodhpur            | 14,004                       | 2,885  | 528    | 7,059  | 856        | 5,546   | 48           |
| Karauli            | 2,360                        | 613    | 103    | 1,062  | 235        | 545     | 16           |
| Kota               | 18,408                       | 4,973  | 736    | 8,051  | 947        | 6,861   | 150          |
| Nagaur             | 6,776                        | 1,963  | 30     | 3,559  | 816        | 2,658   | 42           |
| Pali               | 6,286                        | 1,952  | 334    | 3,423  | 244        | 2,601   | 52           |
| Pratapgarh         | 848                          | 218    | 31     | 414    | 63         | 239     | 5            |
| Rajsamand          | 2,315                        | 521    | 80     | 1,228  | 68         | 1,047   | 7            |
| Sawai              | 4,534                        | 1,088  | 599    | 1,995  | 443        | 1,053   | 28           |
| Sikar              | 5,788                        | 1,484  | 164    | 2,665  | 780        | 1,737   | 41           |
| Sirohi             | 2,921                        | 821    | 384    | 1,154  | 132        | 1,157   | 19           |
| Tonk               | 3,552                        | 855    | 73     | 1,890  | 357        | 999     | 35           |
| Udaipur            | 7,893                        | 1,448  | 649    | 3,673  | 567        | 3,622   | 11           |
| Total              | 2,15,769                     | 55,461 | 10,145 | 97,306 | 12,953     | 77,090  | 1,897        |

(Data Source: PM SVANidhi Portal)