✅ PM SVANidhi Yojana 2020 - A Street Vendor's Scheme

PM SVANIDHI Yojana 2020 launched by the central government aims at enabling the street vendors to resume their livelihood which has been adversely affected due to COVID-19 pandemic and the subsequent lock down imposed by the government. This special micro-credit facility scheme will provide affordable loans to street vendors.

🔷Objective of PM SVANidhi yojana
➖ To provide affordable working capital loans to street vendors which can help them to resume their livelihood activities post-countrywide lock down imposed by government (due to Covid-19 pandemic.)
➖ To incentivize regular repayment of loans by provisions like cash-back, higher loans on subsequent demands etc.


🔷Scheme Benefits
➖ Vendors can avail a working capital loan of up to Rs. 10,000, which is repayable in monthly installments in the tenure of one year.
➖ A vendor does not have to provide any collateral security to access the loan.
➖ On timely/ early repayment of the loan, an interest subsidy @ 7% per annum will be credited to the bank accounts of beneficiaries through Direct Benefit Transfer on quarterly basis.
➖ The scheme promotes digital transactions through cash back incentives up to an amount of Rs. 100 per month.
➖ The vendors can avail the facility of escalation of the credit limit on timely/ early repayment of loan.


🔷Beneficiaries
This scheme targets to benefit over 50 lakh Street Vendors. (Those street vendors as on/before 24th March 2020)

A vendor, according to the scheme guidelines is any person engaged in vending of articles, goods, wares, food items or merchandise of daily use or offering services to the public in a street, footpath, pavement etc., from a temporary built up structure or by moving from place to place.

The goods supplied by them include vegetables, fruits, ready-to-eat street food, tea, pakodas, breads, eggs, textile, apparel, artisan products, books/ stationary etc. and the services include barber shops, cobblers, pan shops, laundry services etc.


🔷Scheme implementation Bodies
➖ Regional Rural Banks
➖ Scheduled Commercial Banks
➖ Small Industries Development Bank of India (SIDBI)
➖ Micro-Finance Institutions
➖ Cooperative banks
➖ Non-banking financial companies
➖ Self Help Groups (SHG) Banks.



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