सिडबी प्रत्यक्ष वित्तपोषण (SIDBI Direct)कार्यशील पूंजी ऋण (Working Capital)✓ 7% interest subvention; digital transaction cashback up to ₹1,200/yrसत्यापित: 2026-09-29 (180-दिवसीय SLA)

पीएम स्वनिधि - द्वितीय किस्त उन्नत कार्यशील पूंजी ऋण (₹20,000)

ऋण प्रदाता बैंक / संस्था: Small Industries Development Bank of India (SIDBI)

₹20,000 second-stage loan for street vendors with prompt 1st tranche repayment history.

अधिकतम ऋण राशिUp to ₹20,000

ब्याज दर7.00% – 9.50% (7% Interest Subsidy applies)

पुनर्भुगतान अवधि18 Months (18 monthly EMIs)

प्रोसेसिंग शुल्कNil

💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Second-tier enhanced working capital facility providing up to ₹20,000 to street vendors who demonstrated financial discipline by fully paying the 1st tranche on or ahead of time.

प्रमुख लाभ एवं व्यावसायिक विशेषताएं

Double credit limit (₹20,000); 18 months repayment tenure; 7% interest subsidy; builds substantial credit bureau score for higher bank loans.

📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)

व्यावसायिक पात्रता शर्तें

Street vendors who have fully repaid the first tranche of ₹10,000 without adverse defaults.

जमानत / कोलेटरल आवश्यकता (Collateral)

Nil collateral; guaranteed by CGTMSE

प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)

Zero prepayment penalty; early repayment unlocks 3rd tranche of ₹50,000

📂आवश्यक दस्तावेज (Required Documents)

Aadhaar Card, 1st loan account number, Vending certificate / LoR.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)

Requires complete and satisfactory closure of 1st tranche ₹10,000 loan. Cannot be availed without completing Tranche 1.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

One-click application on PM SVANidhi portal upon 1st loan closure.

2. नए उद्यमी (ऑनलाइन):

Apply at pmsvanidhi.mohua.gov.in selecting 2nd tranche upgrade.

3. बैंक शाखा में जाकर:

Visit lending bank with 1st loan repayment statement.

आधिकारिक आवेदन पोर्टल पर जाएं आधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the tenure for 2nd tranche PM SVANidhi?

The repayment tenure is 18 months with equal monthly instalments.

Does the 7% interest subsidy apply to 2nd tranche?

Yes, the 7% interest subsidy continues to be credited on a quarterly basis.

Can a vendor repay early without charges?

Yes, early repayment has zero charges and immediately unlocks eligibility for the 3rd tranche of ₹50,000.

Is digital transaction volume verified?

Active digital UPI usage enhances credit grading and ensures continuous monthly cashback.