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PM SVANidhi Scheme 2025: Your Guide to Easy Collateral-Free Loans for Street Vendors
Boliye, chhote vyapariyon ke liye ek shandaar yojana! The PM SVANidhi Scheme (Pradhan Mantri Street Vendor’s Atmanirbhar Nidhi) is here to empower street vendors, small shopkeepers, and micro-entrepreneurs with collateral-free loans. With low interest rates, government subsidies, aur digital payment ke incentives, yeh scheme aapke small business ko nayi udaan de sakti hai. Let’s dive into this comprehensive guide to understand everything about this government scheme for vendors!
Introduction to PM SVANidhi Scheme
Kya Hai PM SVANidhi Scheme?
Yeh ek shandaar micro-credit yojana hai jo street vendors, chhote dukaandaar, aur micro-entrepreneurs ke liye banayi gayi hai. Ismein aapko bina kisi guarantee ke loan milta hai, jisse aap apna small business ya vyapar badha sakte hain.
Why Was the PM SVANidhi Scheme Launched?
Street vendors ko banks se loan milna mushkil hota hai. Isliye government ne yeh scheme shuru ki taaki chhote vyapariyon ko financial support mile aur woh apne business ko majboot kar sakein.
Key Objectives of PM SVANidhi Scheme
Financial inclusion, digital payments ko badhava, aur chhote vyapariyon ko atmanirbhar banana is scheme ka maqsad hai.
Scheme Ki Khaas Baatein
Bina Guarantee ke Loan
Koi guarantor ya property mortgage ki zarurat nahi. Bas apki vyapar ki details aur KYC documents chahiye for this collateral-free loan.
Kam Byaj Dar with Subsidies
Government 7% tak byaj subsidy deti hai, jisse aapko sirf 3% jaisa effective interest dena padta hai under the PM SVANidhi scheme.
Loan ke Charan: Step-by-Step Growth
Pehla loan ₹10,000, doosra ₹20,000, aur teesra ₹50,000 tak, agar aap time pe repayment karte hain.
Digital Payment ke Fayde
UPI jaise digital payments use karne par cashback aur doosre incentives milte hain, jo aapke business ko boost karte hain.
Kaun Apply Kar Sakta Hai?
Target Vyapari: Street Vendors
Street vendors, chhote dukaandaar, aur micro-entrepreneurs, chahe woh sheher mein hon ya gaon mein, can apply for the PM SVANidhi loan.
Eligible Businesses for PM SVANidhi Loan
- Chai ki dukaan
- Phal-sabzi ki dukaan
- Kapde ki shop
- Barber shop
- Pan ki dukaan
- Fast food stalls
Basic Requirements for Application
Aadhaar ya Voter ID zaroori hai. Vending certificate optional hai for this government scheme.
Loan Ki Poori Jaankari
Kitna Loan Milega? Loan Amounts
Pehle ₹10,000, phir ₹20,000, aur akhir mein ₹50,000 tak loan mil sakta hai under the PM SVANidhi scheme.
Repayment Kaise Hoga?
12 mahine mein aasaan kiston mein repayment kar sakte hain.
Byaj Mein Chhoot: Interest Subsidies
7% tak subsidy milti hai, jisse byaj ka bojh kaafi kam ho jata hai for street vendors.
Loan Ka Uddeshya: Purpose of Loan
Business ke liye assets khareedne, working capital, ya kharchon ke liye loan le sakte hain.
Kaise Apply Karein for PM SVANidhi Loan?
Official Website Tak Kaise Pahunche?
pmsvanidhi.mohua.gov.in par jayein aur apni PM SVANidhi loan application shuru karein.
Step-by-Step Application Guide
- Aadhaar-linked mobile number daalein aur OTP se verify karein.
- Apna state, city, aur ward number chunein.
- Personal details jaise father’s name, marital status, aur social category bharein.
- Vyapar ki details, jaise shop ka type (chai, phal, etc.), daalein.
- Bank details aur passbook/statement upload karein.
- Form ko marketplace ya preferred bank mein submit karein.
Bina Vending Certificate ke Apply Kaise Karein?
“Apply LoR-cum-Loan” option chunein aur Letter of Recommendation ke saath loan ke liye apply karein.
KYC Verification Process
Aadhaar aur Voter ID ke through automatic KYC hoti hai for the PM SVANidhi loan.
Zaruri Documents for PM SVANidhi Loan
Anivarya Documents
- Aadhaar Card ya Voter ID
- Bank passbook ya account statement
Vaikalpik Documents
- Vending certificate ya Letter of Recommendation
- Street Vendors’ Association card
Bank Details Kaise Bharein?
Bank name, IFSC code, branch name, aur account number daalein.
Digital Payments Ke Labh
Cashback Aur Incentives for Digital Payments
UPI payments par cashback milta hai, jo aapke business ko boost karta hai under the PM SVANidhi scheme.
Vyapar Mein Transparency with Digital Transactions
Digital transactions se aapka financial record clear hota hai, jo future loans ke liye faydemand hai.
UPI Setup Kaise Karein for PM SVANidhi Benefits?
Apna UPI ID portal par daalein aur digital payments shuru karein to avail incentives.
Application Ke Baad Kya Hoga?
Application Status Kaise Check Karein?
Portal par apne application number se status track karein.
Bank Verification Process
Bank aapko call karega aur details verify karega.
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