Lok Sabha Question No. 6337 (UNSTARRED), answered on 2026-04-02
Subject: Implementation of PM SVANidhi Scheme
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Shri Vishnu Datt Sharma

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## GOVERNMENT OF INDIA LOK SABHA

## UNSTARRED QUESTION NO. 6337

## TO BE ANSWERED ON APRIL 02, 2026

## IMPLEMENTATION OF PM SVANIDHI SCHEME

## NO. 6337. SHRI VISHNU DATT SHARMA:

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

- (a) whether  the  Government  is  implementing  the  PM  Street  Vendor's AtmaNirbhar  Nidhi  (PM-SVANidhi)  scheme  nationwide  to  provide working-capital  loans,  financial  inclusion  and  livelihood  support  to street vendors and urban micro-entrepreneurs;
- (b) whether the street vendors in the districts of Katni, Panna and the town of Khajuraho in Khajuraho Lok Sabha Constituency have been covered under the said scheme and if so, the details thereof along with the number of beneficiaries who have received loans during the
- last three years;
- (c) whether  any  comprehensive  identification  and  registration  of  all eligible  street  vendors  in  these  districts  has  been  undertaken  so that no entitled beneficiary remains excluded and if so, the details thereof;
- (d) whether any gaps in identification or coverage persist and if so, the reasons therefor along with the corrective measures taken thereon; and
- (e) the  steps  proposed  to  be  taken  to  ensure  complete  coverage, awareness,  digital  payment  enablement  and  credit  access  for vendors in these towns?

## ANSWER

## THE MINISTER OF STATE IN THE

## MINISTRY OF HOUSING AND URBAN AFFAIRS (SHRI TOKHAN SAHU)

- (a):  Yes,  Ministry  of  Housing  and  Urban  Affairs  is  implementing  PM SVANidhi Scheme since 1st June, 2020 with the objective of facilitating collateral  free  working  capital  loan,  financial  inclusion  and  livelihood support to street vendors.
- (b): Yes, since the inception of PM SVANidhi scheme till 1 st  March 2026, details  of  loans  disbursed  to  street  vendor  beneficiaries  in  districts  of Katni,  Panna  and  the  town  of  Khajuraho  in  Khajuraho  Lok  Sabha Constituency under the scheme during last three years (FY 2022-23, 202324 and 2024-25) are as follows:

| Name of District/ ULB    | No. of Beneficiaries   | Total Loans Disbursed   |   Amount of Loans Disbursed (₹ in Cr.) |
|--------------------------|------------------------|-------------------------|----------------------------------------|
| Katni District           | 3,768                  | 8,934                   |                                  17.09 |
| Panna District           | 2,185                  | 4,937                   |                                   9.74 |
| Khajuraho Town Panchayat | 454                    | 1,131                   |                                   2.34 |

(c) & (d): The identification of street vendors is carried out by States/UTs through  surveys  conducted  under  the  provisions  of  the  Street  Vendors (Protection of Livelihood and Regulation of Street Vending) Act, 2014. The responsibility for conducting surveys, issuing Certificates of Vending etc. rests with the respective Urban Local Bodies and State/UT Governments. The  PM  SVANidhi  is  a  demand  driven  scheme,  wherein  eligible  street vendors  who  seek  working  capital  support  apply  for  loans  on  the  PM SVANidhi portal or PM  SVANidhi mobile app. Since the inception of PM SVANidhi  scheme  till  1 st   March  2026,  applications  received  and  the number  street  vendors  who  have  availed  loans  under  the  scheme  in districts of Katni, Panna and the town of Khajuraho are as follows:

| Name of District/ ULB    | Total loan Applications Received   | No. of Beneficiaries   |
|--------------------------|------------------------------------|------------------------|
| Katni District           | 11,305                             | 10,606                 |
| Panna District           | 6,021                              | 5,331                  |
| Khajuraho Town Panchayat | 1,481                              | 1,343                  |

## (e):  To  ensure effective implementation of the scheme, the Ministry has undertaken following steps:

To  spread  the  awareness  of  PM  SVANidhi  Scheme  across  the country,  M/o.  Housing  &  Urban  Affairs  (MoHUA)  has  undertaken  several initiatives, including periodic awareness campaigns through radio jingles, television, social media and newspaper advertisements. States and Union Territories  are  also  regularly  provided  with  Information,  Education  and Communication (IEC) materials in local languages to facilitate outreach and  dissemination  of  scheme  benefits  among  street  vendors.  Further, following  the  restructuring  of  the  scheme,  SMS  messages  were  sent  to around  69  lakh  beneficiaries  across  the  country  including  districts  of Katni, Panna and the town of Khajuraho,  to inform them about the new features and benefits introduced under the scheme.

After the approval of the restructured PM SVANidhi scheme on 27th 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 scheme 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.

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 issues, if any.

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