स्ट्रीट वेंडर 10000 लोन योजना क्या है

Street Vendors Loan Yojana 2020– केंद्र सरकार ने स्ट्रीट वेंडर, रेहड़ी, ठेले, छोटी दुकान, फेरीवालों के लिए दस हजार रुपये लोन दे रही है | इस सरकारी योजना की शुरुआत 14 मई 2020 को गई है। इस योजना को स्ट्रीट वेंडर दस हज़ार लोन योजना नाम दिया गया है। इस योजना के अंतर्गत छोटी-मोटी दुकान चलाने वालों, स्ट्रीट वेंडरो, रेहड़ी, ठेले, फेरीवालों को कार्य करने के लिए दस हज़ार तक का ऋण दिया जाएगा।

इस योजना की घोषणा वित्‍त मंत्री निर्मला सीतारमण ने आत्मनिर्भर भारत अभियान के अंतर्गत 20 लाख करोड़ के पैकेज के दूसरे चरण के तहत की है। जिसमें उन्होंने कहा है, कि कोरोना महामारी के कारण हुए लॉकडाउन में सबसे ज्यादा नुकसान Street Vendors को हुआ है। काफी लोग इस lockdown में बेरोजगार भी हो गए है | इस नुकसान से स्ट्रीट वेंडरों को उबारने के लिए दस हज़ार रुपए तक का ऋण इस योजना के तहत दिया जाएगा।

1. • आधिकारिक सूचना

2. संबंधित प्रश्न उत्तर

   स्ट्रीट वेंडर सहायता योजना की शुरुआत कब की गई?

   इस योजना की घोषणा 14 मई 2020 को की गई है !  आधिकारिक शुरुआत अगले महीने यानी. जून से की जाएगी!

   इस योजना के क्रियान्वयन के लिए सरकार का कितना बजट है?

   सभी लाभार्थियों को मदद मिल पाए इसके लिए सरकार में!  स्ट्रीट वेंडर क्रेडिट योजना के तहत 5000 करोड़ रुपए की व्यवस्था की है !

   स्ट्रीट वेंडर स्कीम से लगभग कितने लोगों को लाभ मिलेगा?

   माना जा रहा है!  कुल लाभार्थियों की संख्या 50 लाख के करीब है !

   आवेदन प्रक्रिया क्या है?

   आवेदन ऑनलाइन स्वीकार ही जाएंगे!  इच्छुक लाभार्थियों को आधिकारिक पोर्टल पर पंजीकरण कर कर आवेदन करना होगा !

   योजना की आधिकारिक वेबसाइट क्या है?

   आधिकारिक पोर्टल की अभी घोषणा नहीं की गई है !  आशा है जल्द ही है वेबसाइट लॉन्च हो जाएगी !

   Q: What is the Scheme?

   This is a Central Sector Scheme to facilitate street vendors to access affordable working capital loan for resuming their livelihoods activities, after easing of lockdown.

   Q: What is the rationale of the Scheme?

   The COVID-19 pandemic and consequent lockdowns have adversely impacted the livelihoods of street vendors. They usually work with a small capital base, which they might have consumed during the lockdown. Therefore, credit for working capital to street vendors will be helpful to resume their livelihoods.

   Q: What are the objectives of the Scheme?

   (i) To facilitate working capital loan up to `10,000 at subsidized rate of interest;

   (ii) To incentivize regular repayment of loan; and

   (iii) To reward digital transactions.

   Q: What are the salient features of the Scheme?

   (i) Initial working capital of up to `10,000/-

   (ii) Interest subsidy on timely/ early repayment @7%

   (iii) Monthly cash-back incentive on digital transactions(iv) Higher loan eligibility on timely repayment of the first loan.

   Q: Who is the target beneficiary for the Scheme?

   Street vendors/ hawkers vending in urban areas, as on or before March 24, 2020, including the vendors of surrounding peri-urban and rural areas.

   Q: Who is a Street Vendor/hawker?

   Any person engaged in vending of articles, goods, wares, food items or merchandise of daily use or offering services to the public in a street, footpath, pavement etc., from a temporary built up structure or by moving from place to place. The goods supplied by them include vegetables, fruits, ready-to-eat street food, tea, pakodas, breads, eggs, textile, apparel, artisan products, books/ stationary etc. and the services include barber shops, cobblers, pan shops, laundry services etc.

   Q: Which lending institutions will provide credit?

   Scheduled Commercial Banks, Regional Rural Banks, Small Finance Banks, Cooperative Banks, Non-Banking Financial Companies, Micro-Finance Institutions and SHG Banks.

   Q: What is the tenure of the Scheme?

   The Scheme shall be implemented up to March, 2022.

   Q: What is the amount of initial working capital loan?

   The Initial working capital loan is upto `10,000/- for a tenure of one year.

   Q: I have an Identity Card /Certificate of Vending. How can I apply for the loan?

   You can approach a Banking Correspondent (BC)/ Agent of Micro Finance Institution (MFI) in your area (ULBs will have the list of these persons). They will help you in filling up the application and upload the documents in a Mobile App/ Portal.

   Q: How will I know that I am in the surveyed list?

   You can access this information on the website of Ministry of Housing and Urban Affairs.

   Q: My name is in the list of surveyed vendors, but I do not have either Identity Card or Certificate of Vending?

   Can I avail the loan facility? If yes, what is the process ? Yes, you can still avail the Scheme benefits. A Provisional Certificate of Vending would be issued to vendors through an IT based Platform. The BC/ Agent will help you in filling up the application and upload the documents in a mobile App/ Portal.

   Q: I stay in the surrounding rural area and vend in the city. Am I eligible for the Scheme?  If yes, what is the process? or

   Q: I am a vendor from the city but not included in the survey. How can I avail benefits of the Scheme?

   The Scheme is available to vendors of surrounding development/ peri-urban/ rural areas vending in the geographical limits of the cities/ towns and those left out of the survey. If you belong to this category you have to produce one of the following documents to obtain the Letter of Recommendation from ULB/TVC:
   (i) Documents of past loan taken from a bank/ NBFC/ MFI for the purpose of vending; or

   (ii) If you are a member of street vendors’ association like NASVI, NHF, SEWA etc., your membership details; or

   (iii) A ny other documents to prove that you are a vendor; You can also request ULB through a simple application on white paper to conduct local enquiry to ascertain the genuineness of your claim. After receipt of LoR, you may approach BC/ Agent to apply for the loan.

   Q: Who should I contact for grievances?

   In case of any grievance, you may contact the following officer in the Ministry: Director (NULM), Room no.334-C, Ministry of Housing & Urban Affairs, Nirman Bhawan, Maulana Azad Road, New Delhi – 110011 e-Mail: neeraj.kumar3@gov.in Tel: 011-23062850.