PM SVANidhi Scheme - Restructured and Extended

- Restructuring approved by Union Cabinet on 27 August 2025 - Total outlay: Rs 7,332 crore; lending period extended until 31 March 2030 - Enhanced loan structure: 1st tranche Rs 15,000 (from Rs 10,000), 2nd tranche Rs 25,000 (from Rs 20,000), 3rd tranche Rs 50,000 (unchanged) - New: UPI-linked RuPay Credit Card with Rs 30,000 limit after 2nd loan repayment - Digital cashback incentives up to Rs 1,600 on retail/wholesale transactions - Target: 1.15 crore beneficiaries including 50 lakh new street vendors - Capacity building: entrepreneurship, financial literacy, digital skills, hygiene training with FSSAI - Progress (Jul 2025): 96 lakh+ loans (Rs 13,797 crore) to 68 lakh+ vendors; 47 lakh digitally active - Ministry of Housing & Urban Affairs and DFS jointly implement

- 27 अगस्त 2025 को केंद्रीय मंत्रिमंडल द्वारा पुनर्गठन अनुमोदित - कुल परिव्यय: 7,332 करोड़ रुपये; ऋण अवधि 31 मार्च 2030 तक बढ़ाई - बढ़ी हुई ऋण संरचना: पहली किस्त 15,000 रुपये (10,000 से), दूसरी 25,000 रुपये (20,000 से), तीसरी 50,000 रुपये (अपरिवर्तित) - नया: दूसरे ऋण चुकौती के बाद 30,000 रुपये सीमा वाला UPI-लिंक्ड RuPay क्रेडिट कार्ड - डिजिटल कैशबैक प्रोत्साहन: खुदरा/थोक लेनदेन पर 1,600 रुपये तक - लक्ष्य: 1.15 करोड़ लाभार्थी, जिसमें 50 लाख नए स्ट्रीट वेंडर शामिल - क्षमता निर्माण: उद्यमिता, वित्तीय साक्षरता, डिजिटल कौशल, FSSAI के साथ स्वच्छता प्रशिक्षण - आवास और शहरी मामलों का मंत्रालय और DFS संयुक्त रूप से कार्यान्वयन करते हैं

• PM SVANidhi restructured and extended by Union Cabinet on 27 August 2025 with total outlay of Rs 7,332 crore; lending period extended until 31 March 2030
• Enhanced loan structure: 1st tranche Rs 15,000 (from Rs 10,000), 2nd tranche Rs 25,000 (from Rs 20,000), 3rd tranche Rs 50,000 unchanged
• New UPI-linked RuPay Credit Card with Rs 30,000 limit after 2nd loan repayment; digital cashback incentives up to Rs 1,600
• Target: 1.15 crore beneficiaries including 50 lakh new street vendors; capacity building includes entrepreneurship and digital skills training with FSSAI
• Progress as of July 2025: 96 lakh+ loans (Rs 13,797 crore) to 68 lakh+ vendors; 47 lakh digitally active beneficiaries
• Jointly implemented by Ministry of Housing and Urban Affairs and Department of Financial Services