Parliament Question: Beneficiaries under PM-SVANidhi Scheme

GOVERNMENT OF INDIA MINISTRY OF HOUSING AND URBAN AFFAIRS LOK SABHA UNSTARRED QUESTION NO. 1869 TO BE ANSWERED ON JULY 30, 2026 BENEFICIARIES UNDER PM-SVANIDHI SCHEME NO. 1869 DR. BHOLA SINGH:

Will the Minister of HOUSING AND URBAN AFFAIRS be pleased to state:

(a) the number of beneficiaries assisted under the PM Street Vendor's AtmaNirbhar Nidhi (PM-SVANidhi) Scheme during the last three years, State/UT-wise;

(b) the number of loans sanctioned and disbursed and beneficiaries receiving digital transaction incentives under the PM-SVANidhi Scheme, State/UT-wise;

(c) the number of beneficiaries covered under the PM-SVANidhi Scheme in Uttar Pradesh, including Bulandshahr district, Urban Local Body- wise;

(d) whether the Government has assessed the impact of the PM- SVANidhi Scheme on access to institutional credit and livelihoods of street vendors; and

(e) if so, the details thereof along with the steps taken to expand coverage among eligible but uncovered street vendors? ANSWER THE MINISTER OF STATE IN THE MINISTRY OF HOUSING AND URBAN AFFAIRS (SHRI TOKHAN SAHU)

(a): PM Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi) scheme was launched on 1st June 2020. Under the scheme, till 12th July 2026, 76.95 lakhs street vendor have availed 1.15 crore loans amounting to ₹18475.06 Crore. State/UT wise number of beneficiaries under the scheme during last 3 years is provided in Annexure.

(b): As on 12th July, 2026, total 1,17,64,812 loans have been sanctioned, 1,15,15,856 loans have been disbursed and 56,18,024 beneficiaries are digitally active under the PM SVANidhi Scheme. State-wise details are

available on PM SVANidhi portal https://pmsvanidhi.mohua.gov.in …2/--2-

(c): As on 12th July 2026, 15,63,460 street vendor beneficiaries have availed loans under the scheme in the state of Uttar Pradesh.

As on 12th July 2026, 26,383 street vendor beneficiaries have availed loans in Bulandshahr district under the scheme. Urban Local Body wise details are available on PM SVANidhi portal

https://pmsvanidhi.mohua.gov.in

(d) & (e): Yes. Impact assessment studies of the PM SVANidhi scheme was undertaken by Indian School of Business (ISB), Hyderabad in 2023 & 2025. The 2023 study was conducted in 100 Urban Local Bodies

(ULBs) across the country covering more than 5,000 beneficiaries and it found that PM SVANidhi was the first loan from a bank for 95% of the beneficiaries. The 2025 study was conducted in 99 Urban Local Bodies

(ULBs) across the country covering more than 5,000 beneficiaries (with around 60% of the respondents being part of the 2023 study sample) and it found that the average annualized business income among SVANidhi borrowers grew by around 20 percent, between 2023 and

2025.

Around 30 percent of borrowers across all cycles reported holding loans other than PM SVANidhi loans which underscores the scheme’s role in building credit histories for vendors who previously had little or no access to formal credit.

The study also found the scheme’s impact extends well beyond business recovery. By easing credit constraints and stabilizing household cash flows, the scheme has enabled vendor families to improve living conditions, strengthen food security, enhance access to health-care, and support children’s education.

The PM SVANidhi Scheme was initially implemented in statutory urban areas. The eligibility was also extended to street vendors from surrounding peri-urban areas who vend within the geographical limits of Urban Local Bodies (ULBs). Under the restructured PM SVANidhi Scheme, the coverage of the Scheme is expanded beyond statutory urban areas to include census towns, peri urban areas etc in a graded manner.

*****ANNEXURE REFERRED TO IN REPLY TO LOK SABHA UNSTARRED QUESTION NO. 1869 TO BE ANSWERED ON 30TH JULY, 2026 STATE WISE DETAILS OF NUMBER OF BENEFICIARIES DURING LAST 3 YEARS UNDER PM SVANIDHI SCHEME (As on 12.07.2026) S.No. State FY 23-24 FY 24-25 FY 25-26 1 Andaman and Nicobar Islands 55 6 5 2 Andhra Pradesh 1,36,609 15,869 75,522 3 Arunachal Pradesh 1,244 162 436 4 Assam 48,357 6,288 9,550 5 Bihar 66,567 11,204 23,065 6 Chandigarh 984 50 2 7 Chhattisgarh 28,608 10,842 19,477 8 Delhi 1,20,049 13,301 3,711 9 Goa 224 45 193 10 Gujarat 2,08,362 28,433 30,516 11 Haryana 1,21,619 15,111 19,420 12 Himachal Pradesh 1,490 115 99 13 Jammu and Kashmir 1,553 499 479 14 Jharkhand 49,465 4,544 8,669 15 Karnataka 1,98,180 28,626 22,934 16 Kerala 98,775 9,673 5,109 17 Ladakh 128 14 3 18 Madhya Pradesh 2,94,929 60,078 1,01,066 19 Maharashtra 4,32,923 61,085 72,434 20 Manipur 924 72 131 21 Meghalaya 1,761 756 342 22 Mizoram 1,709 381 288 23 Nagaland 1,233 631 802 24 Odisha 23,278 3,658 7,222 25 Puducherry 2,119 79 135 26 Punjab 1,13,649 11,218 19,427 27 Rajasthan 86,756 33,761 30,326 28 Sikkim 1,108 124 331 29 Tamil Nadu 2,00,722 17,502 19,611 30 Telangana 64,555 8,421 19,400 The Dadra and Nagar Haveli and 31 824 64 35 Daman and Diu 32 Tripura 1,764 329 461 33 Uttar Pradesh 3,95,727 64,862 1,15,156 34 Uttarakhand 12,166 3,027 2,390 35 West Bengal 1,76,306 13,826 57,412 Total 28,94,722 4,24,656 6,66,159 (Data Source: PM SVANidhi Portal)