PM SVANidhi Yojana 2025 – रेहड़ी-पटरी वालों को ₹50,000 तक का लोन बिना गारंटी”

       

PM SVANidhi ₹50,000 Tak Ka Loan Bina Guarantee Ke

Bharat Sarkar ne chhote dukandaron, rehdi-patri walon aur street vendors ko aatmanirbhar banane ke liye ek shandar yojana shuru ki hai — Pradhan Mantri SVANidhi Yojana (PM SVANidhi Yojana).

2025 mein is yojana ko aur bhi bada kar diya gaya hai. Ab eligible logon ko ₹10,000 se lekar ₹50,000 tak ka loan bina kisi guarantee ke mil sakta hai.

Iska main uddeshya hai — chhote karobariyon ko sashakt banana, unhe banking se jodna aur unka aarthik star upar uthana.

🛒 Yojana Kiske Liye Hai?

PM SVANidhi Yojana un logon ke liye hai jo:

• Thela lagate hain (sabzi, phal, chai, kapde etc.)
• Feri wale hain
• Sadak kinare chhoti dukan ya stall lagate hain
• Rehdi, cycle ya haathgadi se saman bechte hain
• Aur jinka kaam lockdown ke samay prabhavit hua tha

💰 Kitna Loan Milega?

Charan	Loan Rashi	Chukane Ki Samay Seema
Pehla Loan	₹10,000	12 mahine (byaj subsidy ke saath)
Dusra Loan	₹20,000	Pehle loan ka repayment sahi ho to
Tisra Loan	₹50,000	Dusre loan ki EMI samay par ho to

👉 Total: ₹50,000 tak bina kisi guarantee ke, seedhe bank account mein.

📑 Jaruri Documents:

• Aadhaar Card
• Mobile Number (Aadhaar se link hona chahiye)
• Voter ID / Ration Card / Nivas Praman Patra
• Bank Account Passbook
• Agar kisi local authority se pehchaan patra hai to wo bhi

🏦 Loan Kahan Se Milega?

Aap kisi bhi Government Bank, Gramin Bank, NBFC ya Micro Finance Company se ye loan le sakte hain.

🔸 Offline Process:

• Nazdeeki Common Service Centre (CSC) ya bank branch jayein
• Form bharein aur documents jama karein
• Bank dwara verification ke baad paisa seedhe aapke account mein transfer hoga

🔹 Online Process:

• Website: https://pmsvanidhi.mohua.gov.in
• Mobile OTP se registration karein aur online form submit karein

🏆 Yojana Ke Fayde:

Labh	Vivaran
Bina Guarantee Loan	Koi bhi jamanat nahi lagti
Byaj Par Subsidy	Time par EMI dene par byaj mein chhoot milti hai
Cashback	Digital bhugtan par incentive milta hai
CIBIL Sudhar	Loan chukane se CIBIL score improve hota hai
Banking se Judav	Street vendors ko banking system mein laata hai

⚠️ Dhyan Rakhein:

• Sirf wahi log eligible hain jo asangathit kshetra mein kaam karte hain
• EMI samay par dena zaruri hai – tabhi agla loan milega
• Fake agents se bachkar rahen – loan ke naam par paisa maangne walon se door rahen
• Apply sirf sarkari portal ya CSC centre ke madhyam se karein

🔚 निष्कर्ष:

PM SVANidhi (Pradhan Mantri Street Vendor’s Atmanirbhar Nidhi) Yojana 2025 ek sashakt kadam hai Bharat Sarkar ka, jiska uddeshya hai chhoti dukaandari, rehdi-patri, aur footpath par vyapar karne waale logon ko arthik roop se majboot banana. Jo log apni choti dukan, chai ki tapri, phal-sabzi ka thela, cycle repair, ya street food stall chalate hain – unke liye yeh yojana ek golden opportunity hai.

Is scheme ke tahat street vendors ko ₹10,000 tak ka working capital loan diya jata hai bina kisi collateral ke. Agar aap samay par repayment karte hain, to aapko interest subsidy (7%) aur cashback (up to ₹1,200 yearly for digital transactions) bhi milta hai. Samay par loan chukane par aap ₹20,000 aur ₹50,000 tak ka higher loan bhi dobara le sakte hain.

Apply karne ke liye aapko sirf basic documents chahiye: Aadhaar card, mobile number, bank account, aur town vending certificate (agar available ho). Aap PM SVANidhi portal ya apne najdeeki bank ya CSC center ke through apply kar sakte hain.

Yeh yojana un logon ke liye hai jo chhote level par kaam kar rahe hain lekin bade sapne dekhte hain. Sarkar ka maksad hai ki rehdi-patri vyapari bhi digital payment ka use karein, apna score banayein aur future mein bade loan ke liye eligible ho sakein.

Agar aap ya aapka parichit street vendor hai, to PM SVANidhi Yojana ka pura fayda uthaiye — aur apne vyapar ko naye level tak le jaiye!

Agar aap ya aapke jaane waale kisi bhi tareeke ka street vending ya feri ka kaam karte hain, to is yojana ka labh jarur uthayein.

₹50,000 tak ka loan bina guarantee – ek bada avsar hai jo aapke business ko ek naye level tak le ja sakta hai.

💬 Koi bhi jankari chahiye? Niche comment karein — hum madad ke liye yahan hain!

Bina CIBIL Score Ke Loan Kaise Milega? 2025 में आसान तरीका जानिए