PM SVANidhi Digital Transaction Cashback Programme (Up to ₹1,200/Year)
Direct monthly cashback incentive of up to ₹100 per month (₹1,200 annually) for street vendors accepting customer payments digitally via UPI QR codes.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
Special digital adoption incentive fund administered with NPCI
Official Budget Document ↗Over 35 Lakh street vendors actively earning monthly digital cashbacks
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Street vendors who have availed loans under PM SVANidhi and onboarded onto digital payment platforms (UPI QR).
Required Documents Checklist
Verify readiness before applying for PM SVANidhi Digital Transaction Cashback Programme (Up to ₹1,200/Year). Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(2)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for PM SVANidhi Digital Transaction Cashback Programme (Up to ₹1,200/Year)?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
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Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Receive on-boarding QR code kit (BHIM, Paytm, PhonePe, Google Pay, or bank UPI QR) during loan disbursement.
- 2
Display QR code at vending stall and accept customer payments of ₹25 or more digitally.
- 3
NPCI tracks eligible digital transactions executed on the vendor registered VPA.
- 4
Monthly cashback credited directly into vendor bank account on the 1st week of each succeeding month.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Non-active digital QR code, transactions below ₹25, or self-transfers between own accounts.
Official Government Application Portal
You will be redirected to the secure official portal: pmsvanidhi.mohua.gov.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
What is the minimum transaction amount eligible for cashback?
Each customer payment must be of ₹25 or more to qualify for the ₹1 per transaction cashback.
Source: Official Scheme FAQ ↗What is the maximum cashback a vendor can earn in a month?
The maximum monthly cashback is capped at ₹100 (for 100 eligible digital transactions), totaling up to ₹1,200 annually.
Source: Official Scheme FAQ ↗Does accepting digital payments affect loan eligibility?
Yes, vendors with high digital transaction volumes are given priority fast-track sanction for higher 2nd and 3rd loan tranches.
Source: Official Scheme FAQ ↗Can I track my PM SVANidhi Digital Transaction Cashback Programme (Up to ₹1,200/Year) application status?
Application status for PM SVANidhi Digital Transaction Cashback Programme (Up to ₹1,200/Year) can typically be tracked through the official portal at pmsvanidhi.mohua.gov.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my PM SVANidhi Digital Transaction Cashback Programme (Up to ₹1,200/Year) payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving PM SVANidhi Digital Transaction Cashback Programme (Up to ₹1,200/Year) benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Non-active digital QR code, transactions below ₹25, or self-transfers between own accounts.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-18 | scheme_type | cs | Official Source ↗ |
| 2026-09-28 | initial_verification | Baseline verification of PM SVANidhi Digital Transaction Cashback Programme (Up to ₹1,200/Year) guidelines, benefits, and portal integration. | Official Source ↗ |
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Application Window & Deadlines
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🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 7d ago from .gov.in source
Requires documentation or office visit
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📅Scheme Milestone Timeline
Baseline verification of PM SVANidhi Digital Transaction Cashback Programme (Up ...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
Ministry of Housing and Urban Affairs / NPCI
Nirman Bhawan, New Delhi 110011
Helpline: 011-23062309
Jurisdiction: NationalNotice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-10-12 against official government documentation.
Eligo is an independent information platform unaffiliated with any government body. Always confirm latest terms directly on the official portal.