The PM SVANidhi Yojana (Prime Minister Street Vendor’s AtmaNirbhar Nidhi) has received a major upgrade in 2026, and it’s big news for street vendors across India. On January 23, 2026, PM Narendra Modi officially launched the PM SVANidhi Credit Card, a UPI-linked and interest-free revolving credit option specially made for vendors.
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If you are a street vendor or helping someone with PM SVANidhi login and loan application, this updated guide will clear all your doubts about loan amounts, eligibility, portal access, and PM SVANidhi loan status.
🚀 What’s New in PM SVANidhi 2026?
The government has not only extended the scheme till March 31, 2030, but also increased the loan limits.
🔹 Revised PM SVANidhi Loan Limits
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1st Tranche: Up to ₹15,000 (earlier ₹10,000)
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2nd Tranche: Up to ₹25,000 (earlier ₹20,000)
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3rd Tranche: Up to ₹50,000 (PM SVANidhi loan 50,000)
So now, vendors can move step by step from PM SVANidhi 10,000 loan apply online to higher amounts.
💳 PM SVANidhi Credit Card
Active vendors can now get a RuPay PM SVANidhi Credit Card with:
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Credit limit up to ₹30,000
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UPI-linked for daily transactions
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Interest-free revolving credit
This is especially useful for vendors who do digital payments.
💸 Extra Incentives
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Cashback up to ₹1,200 per year for digital sales
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₹400 quarterly cashback for wholesale purchases
✅ Eligibility & Required Documents
Who Can Apply?
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Street vendors, hawkers, and push-cart sellers
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Vegetable, fruit, food stall, tea sellers
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Cobblers, barbers, laundry workers, etc.
You must have been vending on or before March 24, 2020, or be identified by your local Urban Local Body (ULB).
📄 Documents Needed
Keep these ready before accessing the PM SVANidhi Portal:
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Aadhaar Card (mobile-linked for e-KYC)
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Voter ID or PAN Card
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Certificate of Vending (CoV) or Letter of Recommendation (LoR)
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Bank Passbook with IFSC code
📝 PM SVANidhi Loan Apply Online – 2026 Process
Applying for PM SVANidhi loan is fully online now:
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Visit the official PM SVANidhi Portal
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Complete PM SVANidhi login using your mobile number and OTP
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Select your vendor category (A, B, C, or D)
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Complete Aadhaar e-KYC
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Fill business and bank details
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Submit the form
Once submitted, your loan request (₹10,000 / ₹20,000 / ₹50,000) goes directly to the selected bank.
🔍 PM SVANidhi Loan Status Check 2026
After applying, you can easily track your PM SVANidhi loan status:
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Login to the PM SVANidhi Portal
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Go to the dashboard
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Status will show as:
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Submitted
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Approved
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Sanctioned
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Disbursed
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If you don’t have a vending certificate, you can also check and download your LoR status from the portal.
📌 PM SVANidhi Loan Details at a Glance
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Interest-free loans
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No collateral required
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Easy digital repayment
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Helps vendors grow business and credit score
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Direct bank transfer
Final Words
The PM SVANidhi Yojana 2026 is now much stronger and more useful than before. Whether it’s a PM SVANidhi 20,000 loan, PM SVANidhi loan 50,000, or the new credit card, this scheme is clearly designed to help street vendors become financially stable.
If you haven’t applied yet, visit the PM SVANidhi Portal, complete your PM SVANidhi login, and take advantage of this upgraded scheme.
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