सिडबी प्रत्यक्ष वित्तपोषण (SIDBI Direct)कार्यशील पूंजी ऋण (Working Capital)✓ 7% interest subvention; digital UPI cashback incentivesसत्यापित: 2026-09-29 (180-दिवसीय SLA)

पीएम स्वनिधि - तृतीय किस्त व्यवसाय विस्तार ऋण (₹50,000)

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

₹50,000 expansion loan over 36 months for street vendors graduating from Tranches 1 & 2.

अधिकतम ऋण राशिUp to ₹50,000

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

पुनर्भुगतान अवधि36 Months (3 years)

प्रोसेसिंग शुल्कNil

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

उत्पाद का संक्षिप्त विवरण

Highest credit slab under PM SVANidhi offering ₹50,000 collateral-free working capital over a 36-month tenure for street vendors with proven repayment of 1st and 2nd tranches.

प्रमुख लाभ एवं व्यावसायिक विशेषताएं

₹50,000 credit limit; comfortable 36-month repayment period; 7% interest subvention; establishes solid commercial track record for graduation to MUDRA loans.

📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)

व्यावसायिक पात्रता शर्तें

Street vendors who have closed both 1st and 2nd tranches of PM SVANidhi satisfactorily.

जमानत / कोलेटरल आवश्यकता (Collateral)

Nil collateral; guaranteed by government trust

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

Zero prepayment penalty

📂आवश्यक दस्तावेज (Required Documents)

Aadhaar Card, PM SVANidhi 1st and 2nd loan account statements, Vending certificate.

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

Only open to vendors who have successfully repaid both 1st (₹10k) and 2nd (₹20k) tranches. Fresh applicants cannot jump straight to Tranche 3.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

Apply directly on PM SVANidhi portal upon closing 2nd tranche.

2. नए उद्यमी (ऑनलाइन):

Apply at pmsvanidhi.mohua.gov.in selecting 3rd loan upgrade.

3. बैंक शाखा में जाकर:

Visit financing bank with 2nd tranche closure certificate.

आधिकारिक आवेदन पोर्टल पर जाएं आधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the tenure for PM SVANidhi Tranche 3?

The repayment tenure is 36 months (3 years) with equal monthly instalments.

Can a vendor graduate to MUDRA loan after Tranche 3?

Yes, vendors who repay Tranche 3 successfully are fast-tracked for MUDRA Kishore loans up to ₹5 Lakh by commercial banks.

What is the effective interest rate?

With the 7% central government interest subvention, the effective interest rate borne by the vendor is around 1% to 2.5% per annum.

Is there any processing fee for Tranche 3?

No. PM SVANidhi loans across all three tranches carry a statutory 100% processing fee waiver.