Overview

• The Union Cabinet approved the reworked scheme through March 31, 2030 with a Rs 7,332 crore allocation targeting 1.15 crore beneficiaries, including 50 lakh new entrants.
• Loan limits rise to Rs 15,000 for the first tranche and Rs 25,000 for the second, while the third tranche remains at Rs 50,000.
• Vendors who repay the second loan on time become eligible for a UPI‑linked RuPay credit card, with digital cashback incentives up to Rs 1,600 to encourage retail and wholesale transactions.
• The programme’s reach will expand beyond statutory towns to census towns and peri‑urban areas in a phased rollout under joint MoHUA–DFS implementation with delivery through banks and local bodies.
• As of July 30, 2025 the scheme had disbursed over 96 lakh loans worth Rs 13,797 crore to more than 68 lakh vendors, with nearly 47 lakh digitally active beneficiaries conducting 557 crore transactions and earning Rs 241 crore in cashback.