PM SVANidhi: eligibility, documents and how to apply for it

Checked against official sources · updated 3 Oct 2026

Who can apply for PM SVANidhi

Street vendors selling in urban areas who hold a Certificate of Vending or identity card from the urban local body (ULB).
Vendors identified in the ULB survey but not yet given a certificate, and vendors left out of the survey who get a Letter of Recommendation (LoR) from the ULB or Town Vending Committee.
Vendors from surrounding peri-urban or rural areas who sell within urban limits, with a Letter of Recommendation.

Documents required for PM SVANidhi

Aadhaar
Mobile number linked to Aadhaar
Vending certificate, ID card or Letter of Recommendation
Bank account

Apply to scheme

How to apply for PM SVANidhi, step by step

Check that you have a vending certificate, ID card or Letter of Recommendation from your municipality. If not, apply for an LoR on the portal or at the ULB office.
Apply online on pmsvanidhi.mohua.gov.in, or through a Common Service Centre, the ULB office, a bank or a microfinance lender.
Complete Aadhaar e-KYC with the OTP sent to your Aadhaar-linked mobile.
The lender checks the application and pays the first collateral-free working-capital loan (up to Rs 15,000 since the scheme was restructured in August 2025).
Repay on time to get the interest subsidy and become eligible for the next, larger loan (up to Rs 25,000, then up to Rs 50,000).
Accept payments by UPI / QR code to earn cashback. After repaying the second loan you can apply for a UPI-linked RuPay credit card.

Sources: PM SVANidhi portal, Ministry of Housing and Urban Affairs

JanWatchdog does not take applications, documents or fees. Apply on the official portal or at the office named above; applying is free and no agent is needed.

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