PM Svanidhi Loan Status – Complete Guide to Check & Track

Key Takeaways
 

• Vendors can check their PM Svanidhi Loan Status online or offline through the official portal.
   
• Regular updates on the PM Svanidhi Loan Status help vendors stay aware of approval and disbursement.
   
• Awareness of the PM Svanidhi Loan Status helps vendors repay on time and qualify for higher loan stages.

The PM Svanidhi Loan Status helps street vendors track their loan progress, from application to disbursement and repayment. It ensures transparency and keeps vendors updated through the official online portal.

For example, Ravi, a fruit seller in Lucknow, checked his PM Svanidhi Loan Status online using his mobile number and found that his ₹10,000 first-term loan had been approved and credited to his account.

This blog explains how to check your PM Svanidhi Loan Status online and offline, what documents you need, and how each stage of the loan works.

Types of PM Svanidhi Loans

Under the PM SVANidhi Scheme, street vendors receive loans in three progressive stages: the first, second, and third term loans. Each stage offers a higher loan amount based on the vendor’s repayment record. The table below shows the performance and progress of each loan type across India:

The scheme shows steady progress: over 68,00,000 first-term loans have already been disbursed, showing how PM SVANidhi continues to empower small vendors across India through responsible lending and timely repayment.

Methods to Check PM Svanidhi Loan Status: Online and Offline

The PM Svanidhi Loan Status Check helps street vendors track their loan application and repayment progress easily. The government provides both online and offline methods to ensure every vendor can stay informed about their loan status without difficulty.

1. PM Svanidhi Loan Status Check Online

You can check your loan details directly through the official PM SVANidhi portal.
Follow these simple steps:

1. Visit the official website – https://pmsvanidhi.mohua.gov.in/.
2. You will see the “Know Your Application Status” option or the Search Vendor section. Click on it, and you will reach here. https://pmsvanidhi.mohua.gov.in/Home/Search .
3. Enter your mobile number, application number, and then request for OTP. Click on the Search button below it.
4. Submit the details to view your PM Svanidhi Loan Status instantly.

This PM Svanidhi Loan Status Check Online method is quick, secure, and can be done anytime using a mobile phone or computer. It helps vendors monitor approval stages, disbursement, and repayment updates with ease.

2. PM Svanidhi Loan Status Check Offline

If you prefer offline assistance, you can check your PM Svanidhi Loan Status by visiting:

• Your nearest bank branch where you applied for the loan.
• Urban Local Body (ULB) or Municipal Office handling PM SVANidhi applications.
• Common Service Centre (CSC) or Street Vendor’s Help Desk, where officials can assist with loan details.

You only need your application number or registered mobile number to get the latest update on your PM Svanidhi Loan Status.

Required Documents for PM Svanidhi Loan Status

To check or apply for your PM Svanidhi Loan Status, you must keep a few important documents ready. These documents help verify your identity and confirm that you are an eligible street vendor under your city’s Urban Local Body (ULB) or Town Vending Committee (TVC).

The list of required papers depends on your category as a street vendor.

Category A: Vendors with Certificate of Vending (CoV) or ID Card

• Documents Required:
   
  • Copy of your Certificate of Vending (CoV) or Vendor Identity Card issued by the ULB or TVC.
  • Survey Reference Number (SRN): Check your name in the official survey list on the PM SVANidhi portal and note it down.

You will need these while applying or checking your PM Svanidhi Loan Status online.

Category B: Vendors in Survey but Without CoV or ID Card

• Documents Required:
  • Survey Reference Number (SRN) from the portal.
  • The system will automatically generate a Provisional CoV during your online loan application.

Keep both details ready before proceeding to verify your PM Svanidhi Loan Status.

Category C: Vendors Left Out of Survey or Started After Survey

C1: Vendor with Letter of Recommendation (LoR):

• Copy of the Letter of Recommendation (LoR) issued by the ULB or TVC.

C2: Vendor without LoR:

• You must declare any one of the following:
  1. You received One-Time Assistance during the COVID lockdown, or
  2. You are a member of a registered vending or hawkers’ association.

Category D: Vendors from Nearby or Rural Areas

D1: Vendor with Letter of Recommendation (LoR):

• Copy of the Letter of Recommendation (LoR) issued by ULB or TVC.

D2: Vendor without LoR:

• Declaration of any one of the following:
  1. Received One-Time Assistance during the COVID lockdown, or
  2. Membership proof of a vending or hawkers’ association.

Keep clear scanned copies of your CoV, ID card, or LoR ready before checking or updating your PM Svanidhi Loan Status online. It helps you complete the process quickly without errors.

Bonus Tip

Over 6,800,000 vendors have received loans worth ₹13,797 crore under PM SVANidhi. Nearly 4,700,000 vendors made 55,700,000,000 digital transactions, earning ₹241 crore cashback. Use digital payments to earn cashback and improve your loan eligibility.

Conclusion

The PM Svanidhi Loan Status helps street vendors stay informed about their loan journey and manage repayments responsibly. By checking their status online or through local offices, vendors can easily track approvals, disbursements, and eligibility for the next loan stage. 

This simple process encourages financial discipline and supports small vendors in growing their businesses with confidence under the PM SVANidhi scheme.

FAQs

What is PM Svanidhi Yojana?

The PM Svanidhi Yojana is a government scheme launched by the Ministry of Housing and Urban Affairs (MoHUA). It offers small loans of up to ₹10,000 for one year to street vendors, rehriwalas, and thelewalas whose income was affected by the COVID-19 lockdown. The scheme aims to support over 50,00,000 vendors who were operating on or before 24 March 2020 in urban, peri-urban, and rural areas.

How Has PM SVANidhi Scheme Helped Street vendors?

 The PM SVANidhi scheme provides street vendors with affordable working capital loans up to ₹10,000 to resume or expand their businesses post-COVID. It also offers digital transaction incentives and credit score benefits, helping vendors gain financial stability and formal recognition.

Who Can Apply for the PM SVANidhi Scheme?

Any street vendor who was operating on or before 24 March 2020 in urban, peri-urban, or rural areas can apply. Vendors must be recognised in the ULB survey or have a Certificate of Vending (CoV), Identity Card, or Letter of Recommendation. The scheme is open to small vendors like rehriwalas, thelewalas, and food sellers, giving them access to micro-credit loans to restart or expand their business after COVID-19 disruptions.

Can IT freshers achieve high salaries despite modest family backgrounds?

Yes, with the IT industry in India offering structured entry-level roles, a fresh graduate can earn competitive salaries regardless of family background. Success depends on skills, certifications, and experience, while career growth can be accelerated through learning, internships, and networking.

Why did the Centre alert banks about the slowdown in loans to MSMEs?

The Centre warned banks because credit flow to MSMEs had slowed, which can hurt small businesses, employment, and economic recovery. Banks were urged to speed up lending, clear pending applications, and properly implement government-backed credit guarantee schemes, as MSMEs rely heavily on timely loans for working capital and growth.

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.