{"id":4112,"date":"2025-01-09T14:50:45","date_gmt":"2025-01-09T09:20:45","guid":{"rendered":"https:\/\/indianlawsociety.com\/?p=4112"},"modified":"2025-01-13T18:49:04","modified_gmt":"2025-01-13T13:19:04","slug":"national-rural-livelihoods-mission-nrlm-empowering-rural-india","status":"publish","type":"post","link":"https:\/\/karma.law\/insights\/indian-law\/national-rural-livelihoods-mission-nrlm-empowering-rural-india\/","title":{"rendered":"PM SVANidhi Scheme: Empowering Street Vendors in India"},"content":{"rendered":"<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The PM Street Vendor\u2019s AtmaNirbhar Nidhi (PM SVANidhi) is a special micro-credit facility launched by the Ministry of Housing and Urban Affairs (MoHUA), Government of India, to provide affordable working capital loans to street vendors. This scheme aims to support the urban informal economy and help street vendors become self-reliant, especially in the aftermath of the COVID-19 pandemic. This piece provides an overview of the scheme&#8217;s guidelines, objectives, and implementation.<\/span><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Background and Objectives<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">Street vendors are a vital part of the urban informal economy, providing essential goods and services at affordable rates. The COVID-19 pandemic severely impacted their livelihoods, necessitating immediate financial assistance. The PM SVANidhi scheme was launched to:<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Provide working capital loans of up to \u20b910,000 to street vendors.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Incentivize regular repayment of loans.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Promote digital transactions among street vendors.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Eligibility Criteria<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The scheme is available for street vendors in states\/UTs that have notified Rules and Scheme under the Street Vendors (Protection of Livelihood and Regulation of Street Vending) Act, 2014. The eligible vendors include:<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Street vendors identified in the survey with a Certificate of Vending or Identity Card.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Vendors who have not been issued a Certificate of Vending but are identified in the survey.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Street vendors left out of the survey, who have a Letter of Recommendation from the ULB\/Town Vending Committee (TVC).<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Vendors from surrounding peri-urban\/rural areas, with a Letter of Recommendation from the ULB\/TVC.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Identification of Beneficiaries<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">To identify eligible vendors, the following methods are used:<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Lists prepared by Urban Local Bodies (ULBs) based on surveys.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">A system-generated request to ULBs for verification of credentials.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Membership details from associations of street vendors.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Documentary evidence of vending.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Reports from local inquiry.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Brief Details of the Product<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The scheme provides a working capital loan of up to \u20b910,000 with a tenure of one year, repayable in monthly installments. No collateral is required for the loan.<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Loan Amount:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0Up to \u20b910,000.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Repayment Tenure:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0One year.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Collateral:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0No collateral required.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Interest Subsidy:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0An interest subsidy of 7% is provided.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Rate of Interest and Interest Subsidy<\/span><\/strong><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Scheduled Commercial Banks, Regional Rural Banks (RRBs), Small Finance Banks (SFBs), Cooperative Banks, and SHG Banks:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0Interest rates will be as per their prevailing rates.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Non-Banking Financial Companies (NBFCs) and Microfinance Institutions (MFIs):<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0Interest rates will be as per RBI guidelines.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Interest Subsidy:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0Eligible vendors receive a 7% interest subsidy, credited quarterly. The subsidy is available up to March 31, 2022, and may be extended.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Promotion of Digital Transactions<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The scheme encourages digital transactions through a cash-back facility. Vendors are incentivized to use digital payment platforms like BHIM, PhonePe, etc.<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Cash-back Incentives:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0Vendors receive cash-back of \u20b950 for 50 eligible transactions, \u20b925 for the next 50, and \u20b925 for the next 100 transactions.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Who Can Lend?<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">Loans can be provided by:<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Scheduled Commercial Banks<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Regional Rural Banks (RRBs)<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Small Finance Banks (SFBs)<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Cooperative Banks<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Non-Banking Financial Companies (NBFCs)<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Microfinance Institutions (MFIs)<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">SHG Banks<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Credit Guarantee<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The scheme provides a credit guarantee through the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE). The guarantee covers:<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">100% of the first loss default (up to 5%).<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">75% of the default amount beyond 5% and up to 15%.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">A maximum guarantee cover of 15% of the year portfolio.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Formation of Collectives of Vendors<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The scheme encourages the formation of Joint Liability Groups (JLGs) of street vendors, which can be converted into Common Interest Groups (CIGs). This facilitates better access to credit and promotes collective action.<\/span><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">E-commerce and Quality Improvement<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The scheme also aims to build the capacity of street vendors to conduct e-commerce and obtain necessary quality certifications from agencies like FSSAI.<\/span><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Integrated IT Application for Scheme Administration<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">An integrated IT platform with a mobile app is developed for scheme administration. This portal integrates data from ULBs, lending institutions, and digital payment aggregators.<\/span><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Implementation Partners<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The Small Industries Development Bank of India (SIDBI) is the implementation partner for the scheme.<\/span><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Committees for Steering and Monitoring<\/span><\/strong><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Central Level:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0A Steering Committee is formed under the Chairmanship of Secretary, MoHUA.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">State\/UT Level:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0A committee is headed by the Principal Secretary\/Secretary, Urban Development\/Municipal Administration.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">City\/ULB Level:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0A Town Vending Committee (TVC) is set up to sponsor loan applications.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Conclusion<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The PM SVANidhi scheme is a crucial initiative for providing financial support and promoting self-reliance among street vendors. By offering collateral-free loans, incentivizing digital transactions, and ensuring access to credit, the scheme aims to empower street vendors and contribute to the growth of the urban informal economy. The scheme\u2019s focus on inclusion and easy access makes it a valuable tool for promoting economic stability and resilience.<\/span><\/p>\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/karma.law\/insights\/wp-content\/uploads\/2025\/01\/PM-SVANidhi-Scheme.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of PM- SVANidhi Scheme.\"><\/object><a id=\"wp-block-file--media-4f9cec8f-b7ff-402f-b101-08907f94acab\" href=\"https:\/\/karma.law\/insights\/wp-content\/uploads\/2025\/01\/PM-SVANidhi-Scheme.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">PM- SVANidhi Scheme<\/a><a href=\"https:\/\/karma.law\/insights\/wp-content\/uploads\/2025\/01\/PM-SVANidhi-Scheme.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-4f9cec8f-b7ff-402f-b101-08907f94acab\">Download<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"Street vendors are a vital part of the urban informal economy, providing essential goods and services at affordable rates. The COVID-19 pandemic severely impacted their livelihoods, necessitating immediate financial assistance.","protected":false},"author":1,"featured_media":6065,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"csco_display_header_overlay":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"footnotes":""},"categories":[364,2,25,49],"tags":[1062,1066,1069,1068,391,1063,1067,1061,1064,1065],"class_list":{"0":"post-4112","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-employment-and-labour","8":"category-indian-law","9":"category-law-library","10":"category-schemes-and-yojanas","11":"tag-atmanirbhar-bharat","12":"tag-collateral-free-loan","13":"tag-digital-transactions","14":"tag-financial-inclusion","15":"tag-government-schemes","16":"tag-microcredit","17":"tag-ministry-of-housing-and-urban-affairs","18":"tag-pm-svanidhi","19":"tag-street-vendors","20":"tag-urban-informal-economy","21":"cs-entry","22":"cs-video-wrap"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PM SVANidhi Scheme: Empowering Street Vendors in India<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/karma.law\/insights\/indian-law\/national-rural-livelihoods-mission-nrlm-empowering-rural-india\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PM SVANidhi Scheme: Empowering Street Vendors in India\" \/>\n<meta property=\"og:description\" content=\"Street vendors are a vital part of the urban informal economy, providing essential goods and services at affordable rates. The COVID-19 pandemic severely impacted their livelihoods, necessitating immediate financial assistance.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/karma.law\/insights\/indian-law\/national-rural-livelihoods-mission-nrlm-empowering-rural-india\/\" \/>\n<meta property=\"og:site_name\" content=\"Insights by Karma AI\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-09T09:20:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-13T13:19:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/karma.law\/insights\/wp-content\/uploads\/2025\/01\/2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1224\" \/>\n\t<meta property=\"og:image:height\" content=\"826\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Karma AI\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" 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