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Jul 16, 2022

By: Venkatesh Nayak

Over the last few days I have shared two sets of preliminary findings with regard to the implementation of the PMSVANidhi scheme for street vendors launched in June 2020 across the country- one related to the geographical and demographic trends and the other about non-performing assets (NPAs). The implementing Ministry- Union Ministry of Housing and Urban Affairs (MoHUA) has also shared certain categories of data both within and outside Parliament since the inception of the scheme- the latest being last week, while announcing the launch of the SVANidhi Mahotsav to be celebrated across 75 cities where beneficiary street vendors are situated. This despatch covers social category-wise trends discernible from the implementation data obtained under The Right to Information Act, 2005 (RTI Act). Neither the Department-related Parliamentary Standing Committee on Housing and Urban Affairs which released a report on the implementation of this scheme in December 2021 nor individual MPs have raised questions about this aspect of implementation. As mentioned in the previous despatch, this analysis is limited to the data supplied by the Central Public Information Officer under RTI in June 2022. MoHUA has put out more recent figures with regard to loan applications and disbursals last week. Those figures do not cover all data fields supplied under the RTI Act, especially- the caste-wise breakup. So, the dataset supplied by MoHUA’s Central Public Information Officer cannot be updated comprehensively with the limited information that MoHUA released last week proactively.

About PMSVANidhi

Click here for a backgrounder to the PMSVANIdhi scheme.

The RTI Intervention

In May 2022, after researching implementation data publicised by the Union Government both inside and outside Parliament, I submitted an RTI application to MoHUA through the RTI Online Facility. One of the several queries included in the RTI application was the social category-wise breakup of loan applications and disbursals.

Click here to read the RTI application.

Within a month of receiving the RTI application, MoHUA’s Central Public Information Officer (CPIO) collected an additional fee of Rs. 50/- and supplied all the information sought, via email and in hard copy.

Click here for the CPIO’s reply and extracted data tables.

Click here for the open data sets.

Statistics obtained under the RTI Act with regard to PMSVANidhi loans applications filed by loans disbursed to street vendors belonging to the following segments of society: General, Scheduled Castes (SC), Scheduled Tribes (ST) and Other Backward Classes (OBC) have been analysed.

Major findings

• According to data supplied by MoHUA's CPIO under the RTI Act, while 48.88% of the 1st and 2nd loan applications were received from OBC category street vendors, 51.53% of these loans were actually disbursed to them. In other words, one of every two PMSVANidhi loans was secured by street vendors belonging to the OBC category.

• While 28.77% of  the 1st and 2nd loan applications were submitted by General category street vendors, 26.10% of the loans were actually disbursed to them. In other words, one of every four PMSVANidhi loans was secured by street vendors belonging to the General category.

• While 18.99% of  the 1st and 2nd loan applications were submitted by SC category street vendors, 19.21% of the loans were actually disbursed to them.

• While 3.35% of  the 1st and 2nd loan applications were submitted by ST category street vendors, 3.15% of the loans were actually disbursed to them.

• In Chhattisgarh and Jharkhand which have a significantly large proportion of tribal communities, STs comprised only 8% and 3.57% respectively, of the total number of beneficiaries of the 1st and 2nd loans. The dip in the applications from ST category street vendors in these States for the 2nd PMSVANidhi loan was 89.99% and 91.32% respectively

Detailed Preliminary analysis of the social category-wise break up of PMSVANidhi beneficiary statistics

a) 1^st and 2^nd loans applications- composite trends

• A total of 48.70 lakh (4.87 million) applications were received for the 1^st and 2^nd loans across the country since the inception of PMSVANidhi scheme until the date of my RTI application. OBC category street vendors constitute- almost half (48.88%) of the total number of applicants. General category street vendors constitute the next largest group with 28.77% of the loan applicants (both 1^st and 2^nd loans). SC category street vendors constitute less than 20% (18.99%) of the applicants and ST category street vendors constituted the smallest segment (3.35%) of applicants.

• Puducherry reported the highest proportion (75.76%) of OBC street vendor applicants (1^st and 2^nd loans) followed by Bihar (71.53%) and Kerala (70.22%). Telangana and Andhra Pradesh (AP) reported between 60-66% applicants, belonging to OBC category. More than half of the applicants in UP, Jharkhand and Rajasthan belonged to OBC category. Surprisingly, despite being a predominantly tribal State more than half (57.89%) of the applicants in Jharkhand were from the OBC category.

• No applicants from OBC category were reported from Ladakh and Mizoram. Less than 1% of the applicants belonged to this category in Nagaland (0.76%) and Meghalaya (0.89%). Less than 2% applicants in Andaman and Nicobar Islands (1.31%) and Arunachal Pradesh (1.67%) belonged to the OBC category. Jammu and Kashmir (J&K), West Bengal, Manipur, Punjab, Delhi, Chandigarh, Daman and Diu and Dadra Nagar Haveli, Himachal Pradesh (HP), Goa and Assam reported between 1.30%-20% applicants in the OBC category.

• The remaining States reported between 21%-50% applicants in the OBC category.

• Andaman and Nicobar Islands reported the highest number (98.43%) of loan applicants belonging to General category. J&K and Manipur reported between 80%-86% loan applicants in this category. West Bengal, Goa and Delhi reported between 70-76% of applicants in the General category.
• Sikkim did not report any applicant from the General category. Mizoram (0.49%), Nagaland (2.17%), Puducherry (4.63%) and Bihar (10.92%) reported the smallest number of applicants for both loans in the General category in reverse order.

• Telangana, Arunachal Pradesh, MP, UP and Kerala reported less than 20% applicants for both loans from the General category. The remaining States reported between 20-60% applicants belonging to General category.

• Punjab topped the list of States with the largest proportion (43.09%) of street vendor applicants belonging to SC category. Haryana took 2^nd place at 30.94% and HP (29.97%), Chandigarh (28.16%) and Tripura (25.41%) took the 3^rd, 4^th and 5^th places respectively in the SC category.

• Rajasthan, UP, Karnataka and Maharashtra each reported more than 20% applicants belonging to the SC category.

• Sikkim did not report any loan applicant from SC category. The smallest proportion of street vendor applicants from SC category was reported from Ladakh (0.22%), Andaman and Nicobar Islands (0.26%), Mizoram (0.49%) and Meghalaya (0.67%) in reverse order.

• The remaining States and UTs reported between 1-19% applicants from SC category (both 1^st and 2^nd loans).

• Mizoram reported the highest proportion (99.03%) of street vendor applicants from ST category. Nagaland (96.25%), Arunachal Pradesh (81.40%), Meghalaya (77.81%) and Ladakh (52.11%) took the 2^nd, 3^rd, 4^th and 5^th places with regard to the highest proportion of ST street vendor applicants. Surprisingly, despite being a tribal dominated State, only 6.14% of the applicants in Chhattisgarh are from ST category. Daman, Diu and Dadra Nagar Haveli reported 23.82% of applicants from ST category.

• Despite having a significant tribal population, no ST applicants were reported from Andaman and Nicobar Islands. Sikkim also did not report any from this category. Chandigarh, West Bengal, Tamil Nadu, Haryana, Delhi, Puducherry and Kerala reported less than 1% of the applicants belonging to the ST category.

• The remaining States and UTs reported between 1%-10% applicants from ST category.

b) 1^st and 2^nd loans disbursal- composite trends

• According to the data supplied by MoHUA’s CPIO, the combined figure of 1^st and 2^nd loans successfully disbursed during this period is 32.26 lakhs (3.26 million). More than half (51.53%) of these loans were disbursed to OBC street vendors. This proportion is higher than the proportion of applicants belonging to OBC category. More than a fourth (26.10%) of these loans were disbursed to General category street vendors- slightly lesser than the proportion of applicants belonging to this category. 19.21% of the loans was disbursed to SC category street vendors- slightly higher than the proportion of applicants. ST category street vendors formed the smallest segment (3.15%) of beneficiaries of both loans- this is lesser than the proportion of street vendors who applied for loans.

• The lone applicant from Sikkim in 2022 belonged to the OBC category making this the highest success rate (100%) among the States and UTs for this segment of society. More than 70% of the total disbursals (1^st and 2^nd loans) in Puducherry (75.98%), Bihar (72.12%) and Kerala (70.25%) went to street vendors in the OBC category whereas in Telangana (66.29%) and AP (61.18%) this proportion ranged between 61%-66%. This is in line with the trend with regard to the proportion of applicants from OBC category as noted above.

• No loan disbursal was reported for the OBC category in Ladakh and Mizoram because there were no applications from this segment. Less than 1% of the loans disbursed in Meghalaya (0.29%) and Nagaland (0.72%) benefited OBC applicants.  The proportion of loan disbursals to OBC street vendors ranged between 1%-5% in Andaman and Nicobar Islands (1.12%), Arunachal Pradesh (2.24%) and J&K (4.87%). West Bengal reported only 5.94% OBC category street vendors who received the 1^st and 2^nd loans whereas Manipur reported 6.37% in this category.

• Between 10%-20% disbursals to OBC category were reported from Punjab (13.35%), Delhi (13.39%), Chandigarh (15.34%), Daman and Diu and Dadra Nagar Haveli (16.19%), HP (17.12%) and Goa (17.94%). The remaining States reported between 21%-58% beneficiaries from the OBC category.

• Interestingly, the proportion of successful disbursals for the OBC category is slightly higher than the proportion of applicants in this category in Bihar, Kerala, AP, UP, MP, Karnataka, Gujarat, Maharashtra, Tripura, Chandigarh, Delhi and Punjab.

• Andaman and Nicobar Islands reported the highest proportion (98.69%) of loan disbursals to street vendors in the General category. More than 80% of the loans J&K (86.01%) and Manipur (81.78%) were disbursed to vendors of General category. Between 70%-75% of the 1^st and 2^nd loans were disbursed to street vendors belonging to the General category in West Bengal (75.83%), Goa (74.59%) and Delhi (70.43%). Between 50%-60% of the loan disbursals made in Odisha (60.36%), Daman and Diu and Dadra Nagar Haveli (60.34%), Chandigarh (56.72%) and Assam (55.23%) belonged to the General category.

• Less than 5% of loan disbursals to street vendors belonging to the General category was reported from Mizoram (0.52%), Nagaland (2.23%) and Puducherry (4.61%). Loan disbursals to General category street vendors ranged between 10%-20% in Bihar (10.43%), Telangana (14.97%), Arunachal Pradesh (17.67%), MP (17.74%), UP (18.84%) and Kerala (19.08%). In other States the disbursals to the General category ranged between 21%-50%.

• Interestingly, the proportion of successful disbursals for General category is slightly higher than the proportion of applicants in this category in Andaman and Nicobar Islands, Manipur, Goa, Odisha, Daman and Diu and Dadra Nagar Haveli, HP, Tripura, Gujarat, Chhattisgarh, Jharkhand, Meghalaya and Rajasthan.

• While General category street vendors constituted 43.66% of the 1^st and 2^nd loan applications in Punjab, only 39.06% disbursals benefited this category marking a significant dip in the success rate.

• Punjab topped the list of States and UTs with the highest proportion (46.52%) of 1^st and 2^nd loan disbursals to street vendors belonging to the SC category. This is significantly higher than the proportion (43.09%) of applicants who belong to this category.

• Between 30%-32% of the loan disbursals went to the SC category street vendors in Haryana (32.91%) and HP (30.06%). More than a fourth of the loan disbursals benefited SC category street vendors in Chandigarh (27.70%) and Tripura (25.50%). Between 20%-23% of the beneficiaries of the 1^st and 2^nd loans in UP (21.88%), Maharashtra (21.56%), Karnataka (21.11%) and MP (20.27%) belong to the SC category.

• Less than 1% of the beneficiaries of the 1^st and 2^nd loans belong to the SC category in Andaman and Nicobar Islands (0.19%), Ladakh (0.27%), Mizoram (0.34%), Meghalaya (0.43%), Nagaland (0.48%) and Arunachal Pradesh (0.60%).

• Between 2%-10% of the beneficiaries belong to the SC category in Daman and Diu and Dadra Nagar Haveli (2.71%), Goa (3.27%), Manipur (4.76%), Jharkhand (7.90%), J&K (8.41%) and Kerala (9.95%). In the remaining States and UTs the street vendors in the SC category constitute between 13-18% of the beneficiaries.

• It is noteworthy that the proportion of successful disbursals for SC category is slightly higher than the proportion of applicants in Haryana, HP, Rajasthan, UP, Maharashtra, MP, West Bengal, Uttarakhand, Telangana, Delhi, AP, Assam, Kerala, Manipur, Odisha, Diu and Ladakh.

• Mizoram topped the list of States and UTs with the highest proportion (99.14%) of 1^st and 2^nd loan disbursals to street vendors belonging to ST category. It was 96.57% in Nagaland. Arunachal Pradesh (79.49%) and Meghalaya (78.59%) take 3^rd and 4^th places in this category, respectively, followed by Ladakh (53.13%) at 5^th position. Daman and Diu and Dadra Nagar Haveli reported 20.76% beneficiaries belonging to the ST category. All other States reported less than 10% of the beneficiaries from the ST category.

• It is also important to point out, in the tribal dominated States of Chhattisgarh and Jharkhand, ST street vendors to whom the 1^st and 2^nd loans were disbursed, comprised only 8% and 3.57% of the total number of beneficiaries, respectively.

Comparative trends with regard to PMSVANidhi 1^st and 2^nd loan applications and disbursals are presented below.

c) 1^st and 2^nd loan applications compared

OBC category

• According to the data supplied by MoHUA’s CPIO, UP topped the list of States and UTs with the highest number of 1^st loan applications (5.05 lakhs or 505,497) from street vendors belonging to the OBC category followed by MP (3.64 lakhs or 364,796), Telangana (2.65 lakhs or 265,629), Gujarat (1.41 lakhs or 141,825) and AP (1.16 lakhs or 116,775) taking the 2^nd, 3^rd, 4^th and 5^th places respectively.

• However, Telangana topped the list of States and UTs with the greatest number of 2^nd loan applications (89,318) submitted by street vendors belonging to the OBC category. UP takes 2^nd place (64,605) followed by MP (61,008), AP (32,973), Karnataka (20,270) and Gujarat (17,710) occupying the 3^rd, 4^th and 5^th places respectively.

• No 1^st loan applications were reported from Mizoram and Ladakh in the OBC category. Sikkim reported two 1^st loan applications- the lowest in this category, with Meghalaya and Andaman and Nicobar Islands (8 each) Nagaland (18) and Arunachal Pradesh (74) figuring at the bottom of the pile.

• No 2^nd loan applications were reported from street vendors belonging to the OBC category in Sikkim, Mizoram, Meghalaya and Ladakh. Andaman and Nicobar Islands reported the lowest figure (two) of 2^nd loan applications. Nagaland with only four 2^nd loan applications, Arunachal Pradesh with 22, Manipur with 30 and West Bengal with 61, figure at the bottom of the pile in the OBC category.

• Apart from the three States and the UT of Ladakh mentioned above where nobody applied for the 2^nd loan, the dip in 2^nd loan applications as compared with the number of 1^st loan applications submitted, ranged between 90%-98% in Manipur (98.13%), West Bengal (96.30%), Assam (94.19%), Bihar (92.74%), Punjab (90.90%) and Rajasthan (90.13%). In all other States and UTs the dip in 2^nd loan applications in the OBC category ranged between 61%-89% as compared with the 1^st loan applications. While these numbers might improve in the current financial year (FY), the negative curve with regard to the willingness to apply for the 2^nd loan, mentioned in our last despatch, is clearly evident in the OBC category.

General category

• According to the data supplied by MoHUA’s CPIO, UP topped the list of States and UTs with the highest number of both 1^st loan applications (1.63 lakhs or 163,845) and 2^nd loan applications (22,375) received from street vendors belonging to the General category.

• Tamil Nadu reported 1.60 lakhs (160,662) 1^st loan applications taking 2^nd place followed by Maharashtra (1.54 lakhs or 154,478) in 2^nd place, Gujarat (1.23 lakhs or 123,773) in 3^rd place, MP (1.12 lakhs or 112,299) in 4^th place and Telangana in 5^th place with 61,706 applications from street vendors belonging to the General category.

• As compared with UP, Maharashtra took a distant 2^nd place with 20,334 2^nd loan applications in the General category, followed by Telangana (19,729), MP (19,059), Gujarat (14,814) and Tamil Nadu (14,275) occupying 3^rd, 4^th and 5^th places respectively.

• At the bottom of the pile, Sikkim reported only one application in the General category of street vendors for the 1^st loan but none for the 2^nd loan application. Mizoram reported two applicants each for the 1^st and 2^nd loans.

• Nagaland reported 50 loan applications in the General category, for the 1^st loan but only 13 for the 2^nd loan. Similarly, Puducherry reported 70 1^st loan applications but only 25 for the 2^nd loan in the General category. Meghalaya reported 167 1^st loan applications but only 18 for the 2^nd loan in the General category. Ladakh reported 138 applications for the 1^st loan but only 77 for the 2^nd loan in the General category of street vendors.

• According to the data supplied by MoHUA’s CPIO, the dip in the number of applications for the 2^nd loan as compared with the 1^st loan in the General category was 100% in Sikkim as nobody had applied for the 2^nd loan. The dip ranged between 90%-98% in West Bengal (98.08%), Manipur (95.42%), Assam (94.74%), Bihar (92.61%), Punjab (92.08%) and Tamil Nadu (91.11%). In all other States and UTs, the dip in 2^nd loan applications ranged between 50%-90% as compared with the number of 1^st loan applications.

• Ladakh reported the lowest dip (44.20%) in the number of 2^nd loan applications in the General category.

SC category

• UP topped the list of States and UTs receiving the highest number of both 1^st loan (1.92 lakhs or 192,098) and 2^nd loan applications (21,944). MP takes 2^nd place with regard to 1^st loan applications (1.29 lakhs or 129,716) received from street vendors belonging to the SC category followed by Maharashtra (71,529), Telangana (63,407) and Tamil Nadu (62,578) occupying the 3^rd, 4^th and 5^th places respectively.

• Telangana reported the highest number of 2^nd loan applications (18,778) followed by MP (18,715), Maharashtra (8,851) and Karnataka (6,638) taking 3^rd, 4^th and 5^th places respectively in the SC category.

• No applications were received from street vendors belonging to the SC category in Sikkim for either the 1^st or the 2^nd loans. Ladakh with only one 1^st loan application along with Mizoram and Andaman and Nicobar Islands (2 each), Meghalaya (6) and Nagaland (19) figure at the bottom of the pile vis-à-vis the SC category.

• Meghalaya, Ladakh and Andaman and Nicobar Islands did not report any 2^nd loan application from street vendors belonging to the SC category. Mizoram with the lowest (2), Daman and Diu and Dadra Nagar Haveli (4), Nagaland (5), Arunachal Pradesh (9) and Goa (18) figure at the bottom of the pile with regard to 2^nd loan applications received in the SC category.

• More than 90% dip in the number of 2^nd loan applications in the SC category was reported from West Bengal (98.47%), Manipur (94.35%), Bihar (93.71%), Assam (93.48%), Daman and Diu and Dadra Nagar Haveli (92.86%), Tamil Nadu (92.79%), Punjab (91.94%) and Rajasthan (90.50%).
• The dip in the number of 2^nd loan applications in the SC category was much lesser in HP (61.91%), Goa (64.71%), Kerala (65.36%) and Puducherry (67.58%). In all other States and UTs the dip in the number of 2^nd loan applications received from street vendors belonging to the SC category ranged between 70%-89%.

ST category

• MP topped the list of States and UTs which received the highest number of 1^st loan applications (31,208) from street vendors belonging to the ST category. Gujarat takes a distant 2^nd place (14,837) followed by Telangana (13,956), Karnataka (13,694) and Maharashtra (12,341) occupying the 3^rd, 4^th and 5^th places respectively in this category.

• Telangana reported the highest number of 2^nd loan applications (3,751) followed by MP (3,613), Karnataka (2,254), Gujarat (1,926) and Maharashtra (1,553) taking the 2^nd, 3^rd, 4^th and 5^th places respectively in the ST category.

• No applications were received for the 1^st loan from street vendors in the ST category in Sikkim and Andaman and Nicobar Islands. Puducherry reported the lowest figure (12) along with Chandigarh (14), Goa (65), Kerala (85) and West Bengal (103) in reverse order.

• No 2^nd loan applications were reported from Sikkim, West Bengal and Andaman and Nicobar Islands in the ST category. Puducherry reported the lowest number (2) of applications for 2^nd loans in the ST category along with Chandigarh (3), Tripura (12), J&K (23) and Goa (25) figuring at the bottom of the pile.

• The States and UTs which reported more than 90% dip in the number of 2^nd loan applications as compared with the 1^st loan applications in the ST category are: Manipur (96.87%), Assam (94.52%), Bihar (93.16%), Meghalaya (93.11%), Punjab (92.77%), Tripura (92.50%), Daman and Diu and Dadra Nagar Haveli (91.86%) and Rajasthan (91.40%).

• Interestingly Jharkhand (91.32%) and Chhattisgarh (89.99%) which have large tribal populations reported 90% and above dip in the number of 2^nd loan applications from street vendors in the ST category. While these numbers might pick up during the remainder of the current FY, these extremely low figures require in depth probing for identifying the causal factors.

• The smallest dip in the number of 2^nd loan applications in the ST category was reported from Ladakh (44.37%). Mizoram reported a 58.93% dip in 2^nd loan applications received from street vendors in this category. All other States and UTs reported between 61%-89% dip in the number of 2^nd loan applications received from street vendors belonging to the ST category.

d) 1^st and 2^nd loan disbursals compared

OBC category

• UP topped the list of States and UTs with the largest number of 1^st loan disbursals (4.82 lakhs or 482,307) but occupies 3^rd place (25,839) vis-à-vis 2^nd loan disbursals in the OBC category. MP took 2^nd place with 2.71 lakhs or 271,885 1^st loan disbursals followed by Telangana (2.27 lakhs or 227,252). AP came a distant 4^th with 1.11 lakh (111,834) 1^st loan disbursals followed by Gujarat at 5^th place with 89,633 1^st loan disbursals to street vendors belonging to the OBC category.

• Telangana with 38,742 topped the list of States and UTs with the highest number of 2nd loans disbursed to street vendors belonging to the OBC category. MP with 28,215 2nd loans disbursed is at 2^nd place. AP with 9,404 and Gujarat with 8,263 2^nd loans disbursed take the 3rd, 4^th and 5^th places respectively.

• No OBC street vendors were disbursed 1^st loans in Mizoram and Ladakh. Sikkim with just one 1^st loan disbursal in this category is at the bottom of the pile along with Meghalaya (2), Andaman and Nicobar Islands (5), Nagaland (10) and Arunachal Pradesh (56) in reverse order.

• Sikkim, Mizoram, Meghalaya and Ladakh did not report any 2^nd loan disbursal to OBC street vendors. Andaman and Nicobar Islands reported only one disbursal in this category. Nagaland (2), West Bengal and Manipur (3 each), and Daman and Diu and Dadra Nagar Haveli (4) also figure at the bottom of this pile.

• Kerala reported the smallest dip (78.88%) in the number of 2^nd loan disbursals to OBC street vendors as compared with 1^st loan disbursals. Between 80%-89% dip in 2^nd loan disbursals to street vendors in the OBC category was reported from Nagaland and Andaman and Nicobar Islands (80% each), Telangana (82.95%), HP (84.92%), Arunachal Pradesh (87.50%), Goa (88.50%), Karnataka (89.33%) and MP (89.62%) in reverse order. All other States and UTs reported a dip of 90% and above with regard to 2^nd loan disbursals to OBC category street vendors.

General category

• According to the data supplied under RTI by MoHUA’s CPIO, UP topped the list of States and UTs with the largest number (1.55 lakhs or 155,331) of 1^st loan disbursals to street vendors belonging to the General category. Maharashtra comes a distant 2^nd with 86,953 disbursals of 1^st loans in this category followed by MP (83,170), Tamil Nadu (75,859) and Gujarat (70,436) occupying 3^rd, 4^th and 5^th places respectively.

• MP tops the list of States and UTs with the largest number (9,147) of 2^nd loans disbursed to street vendors of General category followed by UP (8,960). Telangana (8,457), Gujarat (7,229) and Maharashtra (6,155) occupying the 3^rd, 4^th and 5^th places respectively in this category.

• Sikkim did not report 1^st and 2^nd loan disbursals to any street vendor in the General category. Mizoram reported the lowest (2) along with Nagaland (30), Puducherry (56) and Ladakh (124) figuring at the bottom of the pile with regard to 1^st loan disbursals to street vendors belonging to the General category.

• Mizoram again reported the lowest figure (2) for 2^nd loan disbursal to street vendors in the General category. Puducherry (5) and Nagaland (7), Meghalaya (10) and West Bengal (20) figure at the bottom of the pile in reverse order.

• Mizoram reported the smallest dip (50%) in terms of 2^nd loan disbursals as compared with 1^st loan disbursals in the General category. Ladakh reported 62.10%, Nagaland 76.67% and Kerala 77.81% dip in this category. All other States and UTs reported dip between 80% to more than 99% dip with West Bengal reporting the deepest dip at 99.80% in this category.

SC category

• According to the data supplied under RTI by MoHUA’s CPIO, UP topped the list of States and UTs with the largest number (1.82 lakhs or 182,558) of 1^st loan disbursals to street vendors belonging to the SC category. MP comes a distant 2^nd with 96,654 disbursal of 1^st loans in this category followed by Telangana (53,868), Maharashtra (42,914) and Karnataka (30,270) occupying the 3^rd, 4^th and 5^th places respectively.

• MP topped the list of States and UTs with the largest number (8,819) of 2^nd loans disbursed to street vendors of SC category. UP takes 2^nd place with 8,219 disbursals followed by Telangana with 8,192 disbursals in this category. Maharashtra comes a distant 4^th with 2,790 2^nd loan disbursals in SC category followed by Gujarat with 2,409 disbursals taking 5^th place.

• No disbursal to street vendors of SC category was reported from Sikkim for both 1^st and 2^nd loans. Ladakh and Andaman and Nicobar Islands reported the lowest figure (1 each) in the SC category for the 1^st loan. Mizoram (2), Meghalaya (3) and Nagaland (7) also figure at the bottom of this pile in reverse order.

• No disbursal of the 2nd loan was reported from Mizoram, Meghalaya, Ladakh, Daman and Diu and Dadra Nagar Haveli and Andaman and Nicobar Islands to any street vendor belonging to the SC category. Nagaland and Arunachal Pradesh reported one each in this category. West Bengal and Goa (5 each) and Puducherry (9) also figure at the bottom of this pile in reverse order.

• Kerala reported a dip of 78.34% in terms of 2^nd loan disbursal as compared with 1^st loan disbursal to street vendors belonging to the SC category. HP reported a dip of 80.56% and Telangana 84.79% in this category. All other States and UTs reported a dip of 85%-99% in this category. West Bengal reported the deepest dip at 99.79% followed by Rajasthan reporting a dip of 99.48% in this category.

ST category

• According to the data supplied under RTI by MoHUA’s CPIO, MP topped the list of States and UTs with the largest number of both 1^st loan (20,730) and 2^nd loan disbursals (1,630) to street vendors belonging to the ST category. Telangana comes a distant 2^nd with 11,624 1^st loan disbursals to ST street vendors followed by Gujarat (9,666), Karnataka (8,781) and UP (8,259) occupying the 3^rd, 4^th and 5^th places respectively.

• Telangana takes 2^nd place with 1,526 2^nd loan disbursals to street vendors of ST category followed by Gujarat with 975, Karnataka with 786 and Maharashtra with 454 2^nd loan disbursals in this category.

• 1^st loan disbursals to ST category street vendors were not reported from Sikkim and Andaman and Nicobar Islands. Chandigarh reported the lowest in this category with nine 1^st loan disbursals. Puducherry with 10, West Bengal with 37, Goa with 52 and Kerala with 68 1^st loan disbursals to ST street vendors, figure at the bottom of the pile in reverse order.

• No 2^nd loan disbursals to street vendors belonging to ST category was reported from West Bengal, Sikkim, Puducherry, Chandigarh, and Andaman and Nicobar Islands. Manipur and Daman and Diu and Dadra Nagar Haveli (one each), J&K (5), Tripura and Delhi (6 each) and Uttarakhand, Punjab and Goa (7 each) figure at the bottom of this pile in reverse order.

• Ladakh reported a 59.71% dip in the number of 2^nd loan disbursals to street vendors belonging to the ST category- the smallest among States and UTs. Kerala reported a dip of 77.94% and Mizoram- 79.79% in this category. All other States and UTs reported a dip ranging from 85% to 99% in this category. More than 99% dip was reported from Manipur (99.84%), Daman and Diu and Dadra Nagar Haveli (99.63%) and Rajasthan (99.37%).

This is the third tranche of the preliminary findings from the analysis of the PMSVANidhi implementation data obtained under the RTI Act. Readers are welcome to make use of this data in their own advocacy efforts or seek more granular implementation at the level of the 75 cities that the scheme covers. It is hoped that more probing questions about the implementation and outcomes of the scheme are raised in Parliament.

All facts are in the public domain. Views are personal.

CHRI's Trail of Inquiry: MoHUA PMSVANidhi CPIOdocs Extract 3 Jun22 | PMSVANidhi NPAs OpenDataset 3 Jul22