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PM SVANidhi Scheme to Facilitate Collateral Free Working Capital Loan to Street Vendors

As on 15.03.2022, loans amounting to ₹3,119 crore have been released to the beneficiaries by the Lending Institutions

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Kaushal Kishore, Rajya Sabha, SMEStreet

The Ministry of Housing and Urban Affairs (MoHUA) is implementing Prime Minister Street Vendor’s AtmaNirbhar Nidhi (PM SVANidhi Scheme) since June 01, 2020 to facilitate collateral free working capital loan to street vendors to restart their businesses, which were adversely impacted during the Covid-19 pandemic.  The Scheme has the following objectives:

  1. Facilitate collateral free working capital loan up to ₹10,000 of 1-year tenor; enhanced loan of ₹20,000 and ₹50,000 in the second and third tranches respectively, on repayment of earlier loans.

ii.         Incentivize regular repayment, through interest subsidy @ 7% per annum; and

iii.        Reward digital transactions, by way of cash back up to ₹1,200 per year.

As on 15.03.2022, loans amounting to ₹3,119 crore have been released to the beneficiaries by the Lending Institutions. The State and Bank-wise details are at Annexure-I respectively.

As on 15.03.2022, 44.8 lakh eligible loan applications have been received, out of which 33.4 lakh loan applications have been sanctioned and 30.1 lakh loans have been disbursed. These include 1st as well as 2nd tranche loans. The State-wise details are at Annexure-II.

As on 15.03.2022, 28.8 lakh Street vendors have been benefitted under the scheme.  State/UT-wise detail is at Annexure-III.

In the State of Gujarat, 1.90 lakh street vendors have availed the benefit of 1st tranche loan. Out of these 13,982 street vendors have been disbursed 2nd tranche loan also. ULB-wise number of beneficiaries is at Annexure-IV.

Statement showing State-wise and Bank wise loan amount disbursed under the PM SVANidhi Scheme

(As on 15.03.2022)

SI. No. Name of the State Bank Name Disbursed Amount
(in ₹ in lakh)
(1st Tranche + 2nd Tranche)
1 Andaman and Nicobar Islands State Bank of India 35.30
Canara Bank 6.39
Central Bank of India 4.10
Indian Overseas Bank 2.70
BWDA Finance Ltd. 2.70
Punjab National Bank 1.30
Indian Bank 1.10
Others 2.40
Total 55.99
2 Andhra Pradesh State Bank of India 3,863.84
Union Bank of India 3,402.16
Canara Bank 1,227.00
District Cooperative Central Bank Ltd., Kakinada 1,004.20
KDCCB Ltd 1,000.47
Indian Bank 974.54
Bank of India 933.62
SPSPR NDCC Bank Ltd. 823.55
District Co-Operative Central Bank Ltd., Kurnool 772.74
The Anantapur District Co-Operative Central Bank 739.94
Others 4,719.21
Total 19,461.26
3 Arunachal Pradesh State Bank of India 230.78
Central Bank of India 7.10
Arunachal Pradesh Rural Bank 7.00
Canara Bank 5.70
Bank of Baroda 5.40
Bank of India 2.90
Indian Bank 1.80
Punjab National Bank 1.28
Others 2.90
Total 264.85
4 Assam State Bank of India 2,131.82
Punjab National Bank 735.09
RRB Assam GVB 319.85
UCO Bank 315.19
Union Bank of India 276.40
Indian Bank 270.29
Central Bank of India 242.62
Canara Bank 219.96
Bank of India 201.76
Bank of Baroda 195.50
Others 367.00
Total 5,275.48
5 Bihar State Bank of India 1,222.60
Punjab National Bank 678.79
Bank of India 555.05
Bank of Baroda 408.09
Central Bank of India 375.81
Indian Bank 338.04
Canara Bank 313.09
Union Bank of India 280.91
RRB Dakshin Bihar Gramin Bank 123.41
UCO Bank 113.27
Others 298.42
Total 4,707.47
6 Chandigarh State Bank of India 95.60
Punjab National Bank 89.35
Punjab And Sind Bank 29.30
Central Bank of India 23.25
Indian Bank 19.48
Bank of Baroda 19.05
Union Bank of India 18.70
Canara Bank 18.40
Bank of India 14.16
UCO Bank 11.00
Others 13.60
Total 351.90
7 Chhattisgarh State Bank of India 2,211.25
Bank of Baroda 494.63
Punjab National Bank 318.36
Bank of India 317.12
Chhattisgarh Rajya Gramin Bank 292.95
Central Bank of India 275.11
Canara Bank 213.22
Union Bank of India 206.42
Indian Bank 180.27
Bank of Maharashtra 175.05
Others 357.53
Total 5,041.91
8 Daman & Diu and Dadra & Nagar Haveli Bank of Baroda 42.60
State Bank of India 32.20
Union Bank of India 10.20
Punjab National Bank 5.13
Central Bank of India 4.40
Indian Bank 4.20
Canara Bank 4.10
UCO Bank 3.50
Bank of India 3.50
IDBI Bank 2.10
Others 4.10
Total 116.04
9 Delhi State Bank of India 1,065.91
Punjab National Bank 909.77
Bank of Baroda 591.60
Union Bank of India 432.44
Canara Bank 356.27
Indian Bank 158.12
Bank of India 153.63
Punjab And Sind Bank 122.17
Central Bank of India 104.44
Indian Overseas Bank 70.03
Others 113.84
Total 4,078.21
10 Goa Canara Bank 34.50
Bank of India 32.90
Union Bank of India 24.20
State Bank of India 24.10
Bank of Baroda 11.62
Central Bank of India 7.10
Karnataka Bank Ltd 4.00
The Goa State Co.Op Bank Ltd 2.90
Bank of Maharashtra 2.60
Indian Overseas Bank 2.50
Others 5.35
Total 151.77
11 Gujarat State Bank of India 7,753.14
Bank of Baroda 6,023.88
Bank of India 2,590.43
Union Bank of India 1,389.69
Central Bank of India 810.31
  Canara Bank 608.71
Indian Bank 444.09
Punjab National Bank 418.96
HDFC Bank 342.08
Indian Overseas Bank 299.20
Others 1,089.16
Total 21,769.65
12 Haryana Punjab National Bank 658.19
State Bank of India 537.29
Union Bank of India 267.11
Canara Bank 263.22
Bank of Baroda 171.81
Indian Bank 163.46
Central Bank of India 149.17
Bank of India 144.87
Punjab And Sind Bank 94.90
RRB Sarva Haryana GB 91.14
Others 270.00
Total 2,811.15
13 Himachal Pradesh Punjab National Bank 107.31
State Bank of India 91.21
UCO Bank 38.80
Canara Bank 32.30
H.P. State Co-Operative Bank Ltd. 23.80
Central Bank of India 23.71
Union Bank of India 19.62
Bank of Baroda 17.20
Indian Bank 16.90
RRB Himachal Pradesh GB 15.90
Others 39.85
Total 426.60
14 Jammu and Kashmir Jammu & Kashmir Bank Ltd 1,289.23
State Bank of India 88.30
Punjab National Bank 64.20
Canara Bank 32.40
RRB J&K GB 17.50
Central Bank of India 14.10
Indian Bank 10.85
UCO Bank 9.55
Bank of India 6.30
Union Bank of India 5.50
Others 14.50
Total 1,552.43
15 Jharkhand Bank of India 915.26
State Bank of India 614.15
Canara Bank 226.98
Bank of Baroda 219.63
Punjab National Bank 199.01
Indian Bank 179.70
Union Bank of India 164.74
Central Bank of India 146.14
UCO Bank 121.64
Indian Overseas Bank 48.10
Others 170.55
Total 3,005.90
16 Karnataka State Bank of India 4,774.12
Canara Bank 4,237.74
Union Bank of India 1,580.30
Karnataka Bank Ltd 792.53
Bank of Baroda 757.14
RRB Karnataka GB 722.96
RRB Karnataka Vikas GB 630.05
Bank of India 439.13
Indian Bank 386.08
Indian Overseas Bank 201.34
Others 845.88
Total 15,367.28
17 Kerala State Bank of India 387.38
Canara Bank 287.93
RRB Kerala GB 123.01
Union Bank of India 102.06
Indian Bank 69.39
Indian Overseas Bank 52.85
Punjab National Bank 46.13
Bank of Baroda 42.65
Bank of India 35.80
Central Bank of India 24.20
Others 77.26
Total 1,248.66
18 Ladakh Jammu & Kashmir Bank Ltd 26.00
State Bank of India 8.40
Others 2.00
Total 36.40
19 Madhya Pradesh State Bank of India 17,154.93
Bank of India 7,645.11
Central Bank of India 4,433.50
  Bank of Baroda 4,192.42
Union Bank of India 4,153.88
Punjab National Bank 4,112.28
Canara Bank 2,474.45
Indian Bank 2,331.45
RRB Madhya Pradesh GB 2,001.44
UCO Bank 1,359.40
Others 3,727.55
Total 53,586.41
20 Maharashtra State Bank of India 7,080.36
Bank of Maharashtra 3,657.35
Bank of India 3,468.32
Bank of Baroda 2,060.09
Union Bank of India 1,578.56
Central Bank of India 827.75
Canara Bank 760.00
Punjab National Bank 422.90
Indian Bank 335.27
Indian Overseas Bank 187.90
Others 689.59
Total 21,068.11
21 Manipur State Bank of India 416.51
RRB Manipur Rural Bank 147.15
Punjab National Bank 83.40
Central Bank of India 37.50
Bank of Baroda 33.50
UCO Bank 29.40
Manipur State Co Op Bank 28.20
Indian Bank 26.90
Canara Bank 21.80
Bank of India 12.90
Others 25.60
Total 862.86
22 Meghalaya State Bank of India 35.80
Meghalaya Rural Bank 13.00
Bank of Baroda 2.90
Canara Bank 2.30
Union Bank of India 2.20
Indian Bank 2.10
Punjab National Bank 1.20
Others 2.50
Total 62.00
23 Mizoram Mizoram Rural Banks 46.40
State Bank of India 9.90
Mizoram Co Op Apex Bank 2.40
Others 2.80
Total 61.50
24 Nagaland State Bank of India 140.75
Ganpati Stock Limited 8.80
Bank of Baroda 7.60
Central Bank of India 5.80
UCO Bank 2.90
Bank of India 2.00
Punjab National Bank 1.70
Indian Overseas Bank 1.40
Indian Bank 1.30
RRB Nagaland Rural Bank 1.00
Others 2.60
Total 175.85
25 Odisha State Bank of India 1,349.34
Bank of India 403.35
Canara Bank 343.76
Union Bank of India 305.93
Indian Bank 245.45
Punjab National Bank 227.39
UCO Bank 204.86
Bank of Baroda 161.83
Indian Overseas Bank 122.83
Central Bank of India 109.34
Others 120.18
Total 3,594.25
26 Puducherry State Bank of India 51.70
Indian Bank 29.62
Bank of Baroda 25.90
Indian Overseas Bank 7.40
Canara Bank 3.60
Bank of India 3.39
RRB Puduvai Bharathiar GB 3.30
UCO Bank 2.80
Union Bank of India 2.60
Central Bank of India 1.05
Others 1.50
Total 132.86
27 Punjab State Bank of India 965.24
Punjab National Bank 752.04
Indian Bank 350.88
  Bank of India 325.11
Punjab and Sind Bank 290.50
Canara Bank 285.43
Union Bank of India 230.50
Central Bank of India 217.97
UCO Bank 119.44
Bank of Baroda 117.33
Others 238.63
Total 3,893.05
28 Rajasthan State Bank of India 2,724.55
Bank of Baroda 1,561.71
Punjab National Bank 489.33
Bank of India 416.65
Union Bank of India 267.45
Central Bank of India 209.06
Canara Bank 180.05
Baroda Rajasthan Kshetriya Gramin Bank 177.35
UCO Bank 154.06
Indian Bank 150.39
Others 350.37
Total 6,680.97
29 Sikkim State Bank of India 0.10
Total 0.10
30 Tamil Nadu Indian Bank 4,882.90
State Bank of India 3,773.17
Canara Bank 2,599.37
Indian Overseas Bank 2,266.70
Union Bank of India 889.08
Bank of India 393.46
Bank of Baroda 315.51
Central Bank of India 225.82
Punjab National Bank 193.36
UCO Bank 123.06
Others 443.32
Total 16,105.74
31 Telangana State Bank of India 15,914.11
Union Bank of India 9,908.33
Stree Nidhi Credit Cooperative Federation Ltd 3,678.98
Andhra Pradesh Gr.Vikas Bank 2,325.09
Canara Bank 1,911.72
Telangana Grameena Bank 1,663.95
Indian Bank 1,088.04
Bank of Baroda 893.83
  Bank of India 571.47
Central Bank of India 457.88
Others 1,709.15
Total 40,122.55
32 Tripura RRB Tripura Gramin Bank 96.80
Punjab National Bank 81.87
State Bank of India 73.80
UCO Bank 19.60
Tripura State Co Operative Bank Ltd 15.20
Canara Bank 7.50
Bank of India 7.46
Union Bank of India 3.90
Central Bank of India 3.00
Indian Overseas Bank 2.80
Others 9.50
Total 321.42
33 Uttar Pradesh State Bank of India 19,903.21
Bank of Baroda 12,100.47
Punjab National Bank 9,932.27
Union Bank of India 8,265.40
Indian Bank 6,437.32
Bank of India 4,695.69
Canara Bank 4,449.24
Central Bank of India 3,055.27
Aryavart Bank 1,476.59
Baroda U.P. Bank 1,274.52
Others 5,558.80
Total 77,148.76
34 Uttarakhand State Bank of India 265.93
Punjab National Bank 245.06
Bank of Baroda 141.70
Union Bank of India 75.60
Canara Bank 74.23
Indian Bank 55.03
Uttarakhand Gramin Bank 43.98
Central Bank of India 34.45
Bank of India 33.38
Punjab And Sind Bank 29.70
Others 98.46
Total 1,097.51
35 West Bengal State Bank of India 506.24
Punjab National Bank 226.26
Indian Bank 144.23
  Bank of India 102.78
Canara Bank 80.89
Union Bank of India 71.90
Central Bank of India 36.80
UCO Bank 33.50
Bank of Baroda 30.80
Indian Overseas Bank 19.30
Others 39.15
Total 1,291.85
Grand Total 3,11,928.7

 

Statement showing State-wise details of loan applications received, sanctioned and disbursed under PM SVANidhi Scheme.

(As on 15.03.2022)

State Name Eligible Application Received Applications Sanctioned Loan Disbursed
1st Tranche 2nd Tranche 1st Tranche 2nd Tranche 1st Tranche 2nd Tranche
Andaman and Nicobar Islands 514 117 483 49 470 45
Andhra Pradesh 2,29,047 20,888 1,95,861 9,605 1,81,691 6,847
Arunachal Pradesh 4,524 326 2,790 150 2,448 101
Assam 96,955 2,738 61,164 1,729 49,770 1,530
Bihar 95,109 1,745 61,614 779 46,474 596
Chandigarh 5,041 250 3,639 150 3,332 102
Chhattisgarh 84,814 4,289 49,503 2,697 46,287 2,289
Daman & Diu and Dadra & Nagar Haveli 2,205 16 1,339 13 1,152 6
Delhi 72,628 937 51,541 398 40,463 298
Goa 1,499 236 1,336 167 1,223 151
Gujarat 3,34,159 21,474 2,24,379 15,445 1,90,647 13,982
Haryana 51,556 3,267 37,160 1,997 25,099 1,618
Himachal Pradesh 3,808 736 3,504 577 3,315 482
Jammu and Kashmir 17,573 1,427 14,838 1,100 13,817 864
Jharkhand 47,486 2,386 31,592 1,299 27,995 1,116
Karnataka 2,22,452 14,068 1,61,424 9,479 1,38,384 7,884
Kerala 11,090 2,443 9,444 1,809 9,244 1,653
Ladakh 289 83 264 58 260 52
Madhya Pradesh 6,30,262 53,216 4,89,241 41,593 4,62,023 38,050
Maharashtra 3,36,751 13,432 2,13,075 10,718 1,94,558 8,671
Manipur 16,680 123 8,752 110 8,456 90
Meghalaya 878 29 609 25 572 24
Mizoram 596 123 479 75 473 71
Nagaland 2,365 173 1,502 149 1,469 145
Odisha 56,240 2,126 43,140 1,478 34,152 1,078
Puducherry 1,529 191 1,277 72 1,242 44
Punjab 93,031 711 43,707 458 38,626 328
Rajasthan 1,28,748 375 71,709 243 66,759 215
Sikkim 3 - 1 - 1 -
Tamil Nadu 3,41,298 3,636 1,92,433 2,300 1,59,065 1,895
Telangana 4,10,055 62,638 3,57,510 39,161 3,43,008 31,053
Tripura 4,373 256 3,505 195 2,960 130
Uttar Pradesh 8,96,962 16,644 8,13,280 9,234 7,68,526 6,919
Uttarakhand 16,565 559 12,457 410 10,362 331
West Bengal 30,293 15 17,019 5 13,092 4
Total 42,47,378 2,31,63 31,81,571 1,53,727 28,87,415 1,28,664

 

Statement showing State-wise details of loan applications received, sanctioned and disbursed under PM SVANidhi Scheme.

(As on 15.03.2022)

State Name

 

 No. of Beneficiaries
Andaman and Nicobar Islands 470
Andhra Pradesh 1,81,691
Arunachal Pradesh 2,448
Assam 49,770
Bihar 46,474
Chandigarh 3,332
Chhattisgarh 46,287
Daman & Diu and Dadra & Nagar Haveli 1,152
Delhi 40,463
Goa 1,223
Gujarat 1,90,647
Haryana 25,099
Himachal Pradesh 3,315
Jammu and Kashmir 13,817
Jharkhand 27,995
Karnataka 1,38,384
Kerala 9,244
Ladakh 260
Madhya Pradesh 4,62,023
Maharashtra 1,94,558
Manipur 8,456
Meghalaya 572
Mizoram 473
Nagaland 1,469
Odisha 34,152
Puducherry 1,242
Punjab 38,626
Rajasthan 66,759
Sikkim 1
Tamil Nadu 1,59,065
Telangana 3,43,008
Tripura 2,960
Uttar Pradesh 7,68,526
Uttarakhand 10,362
West Bengal 13,092
Total 28,87,415

 

This information was given by the Minister of State for Housing & Urban Affairs, Shri Kaushal Kishore, in a written reply in the Rajya Sabha

Working Capital Loan PM-SVANidhi Scheme Kaushal Kishore Street Vendors