PM SVANidhi 2nd Tranche 2026: 20,000 Ka Second Loan Kaise Le? Jane Eligibility, Online Form Aur Subsidy Ka Pura Hisab

 

Agar aapne Pradhan Mantri SVANidhi Yojana ke tehat pehla ₹10,000 ka loan liya tha aur use samay par ya samay se pehle chukta kar diya hai, toh sarkar aapko karobaar badhane ke liye 2nd Tranche me seedhe ₹20,000 ka loan deti hai.

​Is doosri kist ki sabse badi khasiyat yeh hai ki isme aapka credit track record pehle se verified hota hai, isliye approval bina kisi jhanjhat ke turant mil jata hai.

​PM SVANidhi 2nd Tranche Loan Ki Mukhya Batein

Feature	Jankari
Loan Rashi	Seedhe ₹20,000
Chukane Ki Avadhi (Tenure)	18 Mahine (1.5 Saal)
Sarkari Byaj Subsidy	7% Saalaana (DBT ke jariye har 3 mahine me)
Digital Cashback	Har mahine ₹100 tak (UPI transactions par)
Collateral / Guarantee	Koi guarantee ya security nahi

2nd Loan Ke Liye Kaun Eligible Hai?

• ​Pehla Loan Chuka Diya Ho: Aapka ₹10,000 ka pehla SVANidhi loan poori tarah close (No Dues) ho chuka ho, ya uski sabhi EMIs samay par bhari gayi hon.
• ​Active Vending: Aapki dukaan, thela ya street vending ka kaam chal raha ho.
• ​Aadhar Link Bank Khata: Aapka bank account Aadhar se link aur active hona chahiye.

​7% Subsidy Aur Cashback Se Asal Bachat Ka Ganit

​Jab aap ₹20,000 ka loan 18 mahine ke liye lete hain, toh bank ka normal byaj lagbhag 10.5% hota hai:

• ​Anumanit Monthly EMI: Lagbhag ₹1,220 mahina banti hai.
• ​7% Sarkari Subsidy: Sarkar 7% byaj subsidy deti hai, jisse lagbhag ₹850 aapke bank account me wapas credit ho jate hain.
• ​Digital Cashback: Agar aap dukan par PhonePe, Paytm ya Google Pay se rozana grahakon se payment lete hain (50+ transactions mahina), toh sarkar har mahine ₹100 tak ka cashback deti hai—yani saal bhar me ₹1,200 ka seedha cashback.

​💡 Bachat Tool:

Apna exact loan tenure aur EMI check karne ke liye hamare portal ka PM SVANidhi Subsidy & Cashback Calculator use karein. Wahan apna amount daal kar aap dekh sakte hain ki subsidy ke baad aapka loan kitna sasta padega. (https://allbharatportal.blogspot.com/p/free-finance-tools-hub.htmlhttps://allbharatportal.blogspot.com/p/free-finance-tools-hub.html)




​Online Aavedan Kaise Karein? (Step-by-Step)

1. ​Official portal pmsvanidhi.mohua.gov.in par jayein ya nazdiki CSC (Jan Seva Kendra) par jayein.
2. ​Portal par "Apply Loan 20K" (2nd Tranche) option par click karein.
3. ​Apna wahi registered mobile number daalein jo pehle loan me diya tha, aur OTP verify karein.
4. ​Portal par aapka purana Application Number (SRN) verify hoga aur pichla repayment status check hoga.
5. ​Verification successful hote hi ₹20,000 loan ka digital form open ho jayega.
6. ​Bank chunein jahan pehla loan chukta kiya tha (usi bank me aavedan karne par approval 24–48 ghante me ho jata hai).
7. ​Submit karte hi aapka digital aavedan branch me approve ho jayega.

​Zaroori Dastavez (Documents)

• ​Aadhar Card aur PAN Card
• ​Purane ₹10,000 loan ki No-Dues Slip ya Repayment Passbook Entry
• ​Vending Certificate / ID Card (Urban Local Body dwara jari)
• ​Bank Account Passbook / Statement

​SVANidhi 2nd Tranche FAQs

​Q1. Kya 2nd loan lene ke baad ₹50,000 ka teesra loan milta hai?

Haan, agar aap ₹20,000 ka loan bhi samay par chukta kar dete hain, toh 3rd tranche me sarkar seedhe ₹50,000 ka loan deti hai.

​Q2. Subsidy ke paise kab milte hain?

7% interest subsidy har quarter (har 3 mahine) me sidhe aapke bank account me Direct Benefit Transfer (DBT) ke jariye credit hoti hai.