August 22, 2026
Evening News Wrap: Kalyan Banerjee sends blunt message to Mamata; Indian sailors killed after US strike on oil tanker off Oman & more | India News

Evening News Wrap: Kalyan Banerjee sends blunt message to Mamata; Indian sailors killed after US strike on oil tanker off Oman & more | India News

Vamsikrishna04 mins mins

1. Union minister Sarbananda Sonowal confirmed that all three Indian sailors reported missing after a US attack on the MT Settebello near the Strait of Hormuz have died. The vessel, carrying 24 Indian crew members, came under attack while transiting the Gulf of Oman.2. Palantir CEO Alex Karp cautioned tech leaders against publicly boasting about…

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Bharathiraja cremated with full state honours in Theni, as 72-gun salute marked his final farewell

Bharathiraja cremated with full state honours in Theni, as 72-gun salute marked his final farewell

Vamsikrishna02 mins mins

Funeral rites of renowned filmmaker Bharathiraja concluded in his native town of Theni on Thursday (June 11). The late filmmaker, who breathed his last at the age of 84, was buried amidst heavy mourning from relatives, film artists, political leaders, and many more admirers. His mortal remains were taken in a solemn procession from his…

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All our dreams can come true, if…

All our dreams can come true, if…

Vamsikrishna01 mins mins

We all have dreams. Some of them are big, like starting a business, writing a book, traveling the world. Some are quieter, like finding a job we love, building a meaningful relationship, creating something that matters. But having a dream and pursuing it are two very different things. Most people never move from dreaming to…

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The space tragedy that shocked the world: Remembering the mission that landed with a dead crew as Soyuz MS-29 prepares to fly

The space tragedy that shocked the world: Remembering the mission that landed with a dead crew as Soyuz MS-29 prepares to fly

Vamsikrishna04 mins mins

On 30 June 1971, recovery teams in Kazakhstan approached a Soyuz capsule that appeared to have completed a flawless return from space. The spacecraft had undocked from the world’s first space station, survived re-entry, deployed its parachutes, and landed exactly as planned. Yet when the hatch was opened, commanders found all three cosmonauts dead. The…

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‘Bhooth Bangla’ OTT release: Here’s when and where you can watch the Akshay Kumar, Tabu, Wamiqa Gabbi starrer | Hindi Movie News

‘Bhooth Bangla’ OTT release: Here’s when and where you can watch the Akshay Kumar, Tabu, Wamiqa Gabbi starrer | Hindi Movie News

Vamsikrishna03 mins mins

After entertaining audiences in theatres, Priyadarshan’s horror-comedy Bhooth Bangla is now gearing up for its digital premiere. Headlined by Akshay Kumar, the film hit cinemas on April 16 and received mixed reviews, while managing a respectable run at the box office.The movie will start streaming on Netflix from June 12. Announcing the release on social…

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NEW DELHI: The family of 24-year-old Aditya Sharma, a deck cadet from Himachal Pradesh’s Hamirpur district who was killed in the attack on MT Settebello near the Strait of Hormuz, has demanded an inquiry into the incident and sought the return of his mortal remains.”There is only one demand, we want to know with whose permission the captain took the ship forward. We demand that Anurag Thakur and the Himachal government conduct an inquiry and find those responsible. Our heart is shattered,” a family member said. Watch U.S Missiles Bombard Ship With 24 Indian Crew Near Oman; India Demarches Envoy | 2 Attacks In 2 DaysAditya was among three Indian seafarers who died after the Palau-flagged MT Settebello came under attack while transiting the Gulf of Oman. The vessel was carrying 24 Indian crew members. Authorities said 21 crew members were rescued, while three initially reported missing were later confirmed dead.Family members broke down while speaking to reporters and questioned the circumstances surrounding the vessel’s movement through the conflict-hit region.Aditya’s uncle said the family spent hours trying to obtain information after learning that he was missing.”Yesterday, my brother called and told he (Aditya) was missing. I came to Jalandhar. We tried coordinating with the company the whole night, and they cooperated as well. However, they were not revealing anything. He was on probation and was working for six months. Around 1:30-2 am, we got the news. We wish to receive his last remains soon. We demand that our MP, Himachal Pradesh and the external affairs ministry bring back his mortal remains. We also seek information about whether there was an attempt to rescue him or not,” he said.Union minister Sarbananda Sonowal earlier confirmed the deaths of the three Indian seafarers and said the government was taking steps to assist their families.”It is deeply unfortunate to learn of the tragic incident aboard the Palau-flagged MT Settebello. Sadly, three Indian seafarers initially reported missing are now confirmed dead after two bodies were recovered. This is a profound loss to our maritime family. The Modi Govt stands firmly with the bereaved during this difficult hour and is fully committed to supporting the next of kin,” Sonowal said in a post on X.He added, “I have directed officials to ensure immediate repatriation of the rescued crew members and swift return of the mortal remains of the deceased for their final rites.”The tragedy has also devastated families in other parts of the country. In Uttar Pradesh’s Deoria district, relatives and neighbours of another deceased seafarer, Shivanand Chaurasia, were left grief-stricken after receiving confirmation of his death.The ministry of external affairs had earlier said that 21 of the 24 Indian crew members aboard MT Settebello had been rescued and that search and rescue operations were being coordinated with Omani authorities.PollDo you believe an inquiry into the incident involving MT Settebello is necessary?Yes, it’s essential for accountabilityNo, it’s not needed”We condemn the attack on the commercial vessel Settebello off the coast of Oman, earlier today. Of the 24 Indian crew onboard, 21 Indians have been rescued thus far and 03 Indians are reportedly missing. Our Embassy in Oman is closely monitoring the situation and proactively coordinating with the Omani authorities in the ongoing Search and Rescue operation,” the ministry said.Expressing concern over the security situation in the region, the ministry added: “The continuing incidents of attacks on shipping in the region are deeply worrisome and a direct result of the ongoing conflict in the region.”India also reiterated its call for diplomacy and restraint. “We reiterate our call for immediate de-escalation of tensions, and the conclusion of ongoing negotiations for a diplomatic solution so that peace and stability can return to the region,” the MEA said.The attack on MT Settebello occurred amid rising tensions around the Strait of Hormuz, one of the world’s busiest maritime routes. India has also lodged a protest with the United States over the strike, stressing the importance of protecting commercial shipping and the lives of seafarers operating in international watersGet the latest India news and live updates. Download the TOI App.About the AuthorTOI News DeskThe TOI News Desk comprises a dedicated and tireless team of journalists who operate around the clock to deliver the most current and comprehensive news and updates to the readers of The Times of India worldwide. With an unwavering commitment to excellence in journalism, our team is at the forefront of gathering, verifying, and presenting breaking news, in-depth analysis, and insightful reports on a wide range of topics. The TOI News Desk is your trusted source for staying informed and connected to the ever-evolving global landscape, ensuring that our readers are equipped with the latest developments that matter most.”Read MoreEnd of ArticleFollow Us On Social MediaVideos”Time Will Tell..” says Ex TMC MP Prakash Baraik Admist Speculations Of Political ShiftTMC Rift Deepens As Kalyan Banerjee Refuses Abhishek Legal RepresentationIndia Extends Tax Benefits For Ethanol-Blended Petrol Amid Energy Market UncertaintyIndia Protests Attack On Vessel Carrying Indian Crew Amid Trump’s Defence Of US StrikesFirst Indigenous C-295 Aircraft Successfully Completes Maiden Flight At Tata-Airbus FacilityCyber Fraud Crackdown: Gujarat Police Expose 105 Mule Accounts Under Operation Mule Hunt 2.0Manipur Tensions Rise After Bodies Of Six Abducted Naga Hostages Recovered In KangpokpiTamil Nadu CM Vijay Holds Talks With Congress Top Brass In Delhi Amid New Political SpeculationPM Modi Marks Historic Tenure, Credits NDA’s 12-Year Journey For India’s TransformationMEA Condemns Oman Ship Attack As 21 Indians Rescued, Three Crew Members Still Missing123PhotostoriesThe ‘Ellora of the Himalayas’: This forgotten temple complex is Himachal’s best-kept secretFrom Lonavala to Amboli: 10 monsoon hill stations near Mumbai worth the drive8 Mumbai neighbourhoods worth considering for cost-effective living5 simple tips to keep your wardrobe organized6 forgotten village foods that were naturally high in proteinFrom elegant interiors to a private pool and breathtaking balcony views: inside Kapil Sharma’s luxurious Rs 15 crore Mumbai homeThis toxic adulterant in edible oils can damage your nervous system: Here’s how to check if your cooking oil is safe6 simple ways to avoid unexpected snake encounters this spring8 things hiring managers notice within seconds of opening your resumeShe is 37, but her biological age is 24: 5 habits that help her stay young123Hot PicksOpendoor IndiaNitish Kumar SonForm 26ASIND vs AFG Live ScoreDelhi weatherGuru Randhawa gym firingTMC rebel MP listCJP ProtestTS Inter Supply Result 2026Top TrendingHaryana Gym Owner MurderGuru Randhawa Gym FiringGold Rate TodayFIFA World Cup 2026Delhi Hotel FireSingappen Special ForceCJP ProtestCBSE Class 10 Second Board ResultBengaluru Child DeathKarnataka Murder

NEW DELHI: The family of 24-year-old Aditya Sharma, a deck cadet from Himachal Pradesh’s Hamirpur district who was killed in the attack on MT Settebello near the Strait of Hormuz, has demanded an inquiry into the incident and sought the return of his mortal remains.”There is only one demand, we want to know with whose permission the captain took the ship forward. We demand that Anurag Thakur and the Himachal government conduct an inquiry and find those responsible. Our heart is shattered,” a family member said. Watch U.S Missiles Bombard Ship With 24 Indian Crew Near Oman; India Demarches Envoy | 2 Attacks In 2 DaysAditya was among three Indian seafarers who died after the Palau-flagged MT Settebello came under attack while transiting the Gulf of Oman. The vessel was carrying 24 Indian crew members. Authorities said 21 crew members were rescued, while three initially reported missing were later confirmed dead.Family members broke down while speaking to reporters and questioned the circumstances surrounding the vessel’s movement through the conflict-hit region.Aditya’s uncle said the family spent hours trying to obtain information after learning that he was missing.”Yesterday, my brother called and told he (Aditya) was missing. I came to Jalandhar. We tried coordinating with the company the whole night, and they cooperated as well. However, they were not revealing anything. He was on probation and was working for six months. Around 1:30-2 am, we got the news. We wish to receive his last remains soon. We demand that our MP, Himachal Pradesh and the external affairs ministry bring back his mortal remains. We also seek information about whether there was an attempt to rescue him or not,” he said.Union minister Sarbananda Sonowal earlier confirmed the deaths of the three Indian seafarers and said the government was taking steps to assist their families.”It is deeply unfortunate to learn of the tragic incident aboard the Palau-flagged MT Settebello. Sadly, three Indian seafarers initially reported missing are now confirmed dead after two bodies were recovered. This is a profound loss to our maritime family. The Modi Govt stands firmly with the bereaved during this difficult hour and is fully committed to supporting the next of kin,” Sonowal said in a post on X.He added, “I have directed officials to ensure immediate repatriation of the rescued crew members and swift return of the mortal remains of the deceased for their final rites.”The tragedy has also devastated families in other parts of the country. In Uttar Pradesh’s Deoria district, relatives and neighbours of another deceased seafarer, Shivanand Chaurasia, were left grief-stricken after receiving confirmation of his death.The ministry of external affairs had earlier said that 21 of the 24 Indian crew members aboard MT Settebello had been rescued and that search and rescue operations were being coordinated with Omani authorities.PollDo you believe an inquiry into the incident involving MT Settebello is necessary?Yes, it’s essential for accountabilityNo, it’s not needed”We condemn the attack on the commercial vessel Settebello off the coast of Oman, earlier today. Of the 24 Indian crew onboard, 21 Indians have been rescued thus far and 03 Indians are reportedly missing. Our Embassy in Oman is closely monitoring the situation and proactively coordinating with the Omani authorities in the ongoing Search and Rescue operation,” the ministry said.Expressing concern over the security situation in the region, the ministry added: “The continuing incidents of attacks on shipping in the region are deeply worrisome and a direct result of the ongoing conflict in the region.”India also reiterated its call for diplomacy and restraint. “We reiterate our call for immediate de-escalation of tensions, and the conclusion of ongoing negotiations for a diplomatic solution so that peace and stability can return to the region,” the MEA said.The attack on MT Settebello occurred amid rising tensions around the Strait of Hormuz, one of the world’s busiest maritime routes. India has also lodged a protest with the United States over the strike, stressing the importance of protecting commercial shipping and the lives of seafarers operating in international watersGet the latest India news and live updates. Download the TOI App.About the AuthorTOI News DeskThe TOI News Desk comprises a dedicated and tireless team of journalists who operate around the clock to deliver the most current and comprehensive news and updates to the readers of The Times of India worldwide. With an unwavering commitment to excellence in journalism, our team is at the forefront of gathering, verifying, and presenting breaking news, in-depth analysis, and insightful reports on a wide range of topics. The TOI News Desk is your trusted source for staying informed and connected to the ever-evolving global landscape, ensuring that our readers are equipped with the latest developments that matter most.”Read MoreEnd of ArticleFollow Us On Social MediaVideos”Time Will Tell..” says Ex TMC MP Prakash Baraik Admist Speculations Of Political ShiftTMC Rift Deepens As Kalyan Banerjee Refuses Abhishek Legal RepresentationIndia Extends Tax Benefits For Ethanol-Blended Petrol Amid Energy Market UncertaintyIndia Protests Attack On Vessel Carrying Indian Crew Amid Trump’s Defence Of US StrikesFirst Indigenous C-295 Aircraft Successfully Completes Maiden Flight At Tata-Airbus FacilityCyber Fraud Crackdown: Gujarat Police Expose 105 Mule Accounts Under Operation Mule Hunt 2.0Manipur Tensions Rise After Bodies Of Six Abducted Naga Hostages Recovered In KangpokpiTamil Nadu CM Vijay Holds Talks With Congress Top Brass In Delhi Amid New Political SpeculationPM Modi Marks Historic Tenure, Credits NDA’s 12-Year Journey For India’s TransformationMEA Condemns Oman Ship Attack As 21 Indians Rescued, Three Crew Members Still Missing123PhotostoriesThe ‘Ellora of the Himalayas’: This forgotten temple complex is Himachal’s best-kept secretFrom Lonavala to Amboli: 10 monsoon hill stations near Mumbai worth the drive8 Mumbai neighbourhoods worth considering for cost-effective living5 simple tips to keep your wardrobe organized6 forgotten village foods that were naturally high in proteinFrom elegant interiors to a private pool and breathtaking balcony views: inside Kapil Sharma’s luxurious Rs 15 crore Mumbai homeThis toxic adulterant in edible oils can damage your nervous system: Here’s how to check if your cooking oil is safe6 simple ways to avoid unexpected snake encounters this spring8 things hiring managers notice within seconds of opening your resumeShe is 37, but her biological age is 24: 5 habits that help her stay young123Hot PicksOpendoor IndiaNitish Kumar SonForm 26ASIND vs AFG Live ScoreDelhi weatherGuru Randhawa gym firingTMC rebel MP listCJP ProtestTS Inter Supply Result 2026Top TrendingHaryana Gym Owner MurderGuru Randhawa Gym FiringGold Rate TodayFIFA World Cup 2026Delhi Hotel FireSingappen Special ForceCJP ProtestCBSE Class 10 Second Board ResultBengaluru Child DeathKarnataka Murder

Vamsikrishna04 mins mins

NEW DELHI: The family of 24-year-old Aditya Sharma, a deck cadet from Himachal Pradesh’s Hamirpur district who was killed in the attack on MT Settebello near the Strait of Hormuz, has demanded an inquiry into the incident and sought the return of his mortal remains.“There is only one demand, we want to know with whose…

Read More
Updated: Jun 11, 2026, 17:00 IST

Updated: Jun 11, 2026, 17:00 IST

Vamsikrishna06 mins mins

2026 FIFA World Cup (ANI Photo) FIFA World Cup 2026 is not merely another edition of football’s grandest spectacle. It is a tournament built on numbers never seen before.Forty-eight teams. Three host nations. Sixteen stadiums. One hundred and four matches across 39 days. From a record 1,248 players representing 449 clubs in 71 countries to…

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‘See you on the other side’: Riyan Parag shares update after shoulder surgery

‘See you on the other side’: Riyan Parag shares update after shoulder surgery

Vamsikrishna02 mins mins

MUMBAI: Rajasthan Royals captain Riyan Parag on Thursday underwent a successful shoulder surgery in a hospital here. The surgery was performed by famous orthopedic surgeon Dr Dinshaw Pardiwalla at the Kokilaben Dhirubhai Ambani Hospital in Mumbai, who has operated on many top cricketers and sportspersons in general. Pardiwalla is the consultant orthopaedic surgeon for the…

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AIBE 21 answer key 2026 released at allindiabarexamination.com: Direct link to download here

AIBE 21 answer key 2026 released at allindiabarexamination.com: Direct link to download here

Vamsikrishna02 mins mins

AIBE 21 answer key 2026: The Bar Council of India (BCI) has released the provisional answer key for the All India Bar Examination (AIBE) XXI 2026 on the official website, allindiabarexamination.com. The answer key has been published along with candidates’ response sheets, enabling examinees to compare their marked answers with the official responses. With the…

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London Family Suicide: Terminally ill child’s family ends life in suspected suicide: What lead to this tragedy and the sad truth about caregivers’ mental health

London Family Suicide: Terminally ill child’s family ends life in suspected suicide: What lead to this tragedy and the sad truth about caregivers’ mental health

Vamsikrishna04 mins mins

Looking at the Pai family’s high-rise London apartment from the outside, one might have seen a picture of comfort and achievement. Yet behind those luxurious-looking walls, the family’s situation was filled with struggle and exhaustion. May 2026 brought a tragic end to the family. All three members of the family- Rakesh Pai, 47, Aditi Paralkar,…

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World’s largest ‘whale graveyard’ found beneath the Indian Ocean: A hidden 5-million-year mystery revealed

World’s largest ‘whale graveyard’ found beneath the Indian Ocean: A hidden 5-million-year mystery revealed

Vamsikrishna04 mins mins

Far out in the south-eastern Indian Ocean, a vast and largely unexplored stretch of seafloor is reshaping how scientists understand deep-ocean history. Hidden within the Diamantina fracture zone, the seabed is marked by long scars, deep trenches, and ridges that plunge into near-total darkness under extreme pressure. Across this 1,200-kilometre corridor, whale remains have been…

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For millions of street vendors across India’s cities and towns, access to affordable credit was once an impossible dream. Moneylenders charged ruinous interest rates, banks turned them away, and a single setback — a bad monsoon, a city crackdown — could wipe out their entire working capital. PM SVANidhi Yojana, launched in June 2020, changed that equation fundamentally. In Uttar Pradesh, the scheme has become one of the most impactful last-mile credit delivery programmes of the decade.What Is PM SVANidhi Yojana?PM Street Vendor’s AtmaNirbhar Nidhi (PM SVANidhi) is a micro-credit scheme launched by the Ministry of Housing and Urban Affairs (MoHUA) to provide affordable working capital loans to street vendors displaced or adversely affected by COVID-19 and beyond. The scheme enables vendors to resume their livelihoods, graduate to formal financial systems, and build credit histories that unlock further growth.The scheme operates through a tiered collateral-free loan structure: Rs 15,000 in the first year, Rs 25,000 on timely repayment in the second year, and Rs 50,000 in the third year. Vendors who repay on time also receive a 7% annual interest subsidy credited directly to their accounts, and digital transactions earn cashback incentives of up to Rs 1,600 per year.Who Is Eligible?Any street vendor who was vending in urban areas on or before March 24, 2020 is eligible to apply. This includes: vendors with a Certificate of Vending issued by their Urban Local Body (ULB); vendors identified in surveys conducted by ULBs; vendors with a Letter of Recommendation from their ULB or Town Vending Committee; and vendors operating in areas adjacent to urban boundaries.There is no restriction on the type of goods sold — from fruits and vegetables to garments, footwear, cooked food, and artisan products. The scheme is accessible to all genders, with special emphasis on reaching women vendors.How to Apply for PM SVANidhi in Uttar PradeshStep 1: Visit the official PM SVANidhi portal at pmsvanidhi.mohua.gov.in or the CSC (Common Service Centre) nearest to you.Step 2: Register using your Aadhaar number and mobile number (Aadhaar-linked OTP authentication).Step 3: Fill in the application form with personal details, vending category, and business address. Upload a photograph and vending certificate or letter of recommendation.Step 4: The application is processed by your Urban Local Body and forwarded to a lending institution. Eligible lending partners include Scheduled Commercial Banks, Regional Rural Banks, Microfinance Institutions, SHG-linked banks, and Cooperative Banks.Step 5: On approval, the loan amount is disbursed directly to your bank account, typically within 30 days of application. Repayment is in monthly instalments over 12 months.UP’s Performance: A National LeaderUttar Pradesh has consistently ranked among the top states in PM SVANidhi implementation. As of data compiled by MoHUA, UP has disbursed loans to over 60 lakh beneficiaries across its 762 Urban Local Bodies — the highest count of any state in India. Cities like Lucknow, Kanpur, Varanasi, Agra, and Gorakhpur have seen particularly high uptake, with many vendors now accessing their third-tier loans of Rs 50,000.In Gorakhpur alone, the scheme has reached over 1.5 lakh vendors — a city-level achievement that has been cited by MoHUA as a model for urban poverty alleviation. Vendors who began with a Rs 10,000 loan to replenish their fruit cart now manage small supply chain operations sourcing directly from mandis, employing family members, and maintaining formal digital payment trails.Beyond Credit: Building a Financial IdentityPerhaps the most transformative dimension of PM SVANidhi is the creation of formal financial identities for people who previously existed outside the banking system. Through mandatory digital transaction tracking, vendors build a verifiable credit history. Many have used this foundation to access crop loans, housing loans under PMAY, and women’s self-help group credit lines.The scheme’s integration with the Unified Payments Interface (UPI) and QR code systems has also driven digital literacy in unexpected ways. Vendors in tier-2 and tier-3 cities now routinely accept PhonePe and Google Pay payments — a behavioural shift that has strengthened both their cash flow management and their attractiveness to customers. The Road AheadThe government has continued to expand PM SVANidhi’s scope, with the 2024–25 Union Budget announcing enhanced credit limits and deeper integration with the PM Vishwakarma Yojana ecosystem for artisan vendors. In Uttar Pradesh, the scheme is being aligned with Mission Shakti, ODOP, and urban livelihood programmes to create a comprehensive support ladder for the informal economy.For the street vendor pushing a handcart on a Lucknow street or operating a chaat stall outside a Varanasi temple, PM SVANidhi is not just a loan — it is, in many cases, the first time the state has seen them.Get the latest India news and live updates. Download the TOI App.End of ArticleFollow Us On Social MediaVideos’Why Was Ship Taken Into Risk Zone?’ Family of Aditya Sharma Seeks Investigation”Time Will Tell..” says Ex TMC MP Prakash Baraik Admist Speculations Of Political ShiftTMC Rift Deepens As Kalyan Banerjee Refuses Abhishek Legal RepresentationIndia Extends Tax Benefits For Ethanol-Blended Petrol Amid Energy Market UncertaintyIndia Protests Attack On Vessel Carrying Indian Crew Amid Trump’s Defence Of US StrikesFirst Indigenous C-295 Aircraft Successfully Completes Maiden Flight At Tata-Airbus FacilityCyber Fraud Crackdown: Gujarat Police Expose 105 Mule Accounts Under Operation Mule Hunt 2.0Manipur Tensions Rise After Bodies Of Six Abducted Naga Hostages Recovered In KangpokpiTamil Nadu CM Vijay Holds Talks With Congress Top Brass In Delhi Amid New Political SpeculationPM Modi Marks Historic Tenure, Credits NDA’s 12-Year Journey For India’s Transformation123PhotostoriesThe ‘Ellora of the Himalayas’: This forgotten temple complex is Himachal’s best-kept secretFrom Lonavala to Amboli: 10 monsoon hill stations near Mumbai worth the drive8 Mumbai neighbourhoods worth considering for cost-effective living5 simple tips to keep your wardrobe organized6 forgotten village foods that were naturally high in proteinFrom elegant interiors to a private pool and breathtaking balcony views: inside Kapil Sharma’s luxurious Rs 15 crore Mumbai homeThis toxic adulterant in edible oils can damage your nervous system: Here’s how to check if your cooking oil is safe6 simple ways to avoid unexpected snake encounters this spring8 things hiring managers notice within seconds of opening your resumeShe is 37, but her biological age is 24: 5 habits that help her stay young123Hot PicksOpendoor IndiaNitish Kumar SonForm 26ASIND vs AFG Live ScoreDelhi weatherGuru Randhawa gym firingTMC rebel MP listCJP ProtestTS Inter Supply Result 2026Top TrendingHaryana Gym Owner MurderGuru Randhawa Gym FiringGold Rate TodayFIFA World Cup 2026Delhi Hotel FireSingappen Special ForceCJP ProtestCBSE Class 10 Second Board ResultBengaluru Child DeathKarnataka Murder

For millions of street vendors across India’s cities and towns, access to affordable credit was once an impossible dream. Moneylenders charged ruinous interest rates, banks turned them away, and a single setback — a bad monsoon, a city crackdown — could wipe out their entire working capital. PM SVANidhi Yojana, launched in June 2020, changed that equation fundamentally. In Uttar Pradesh, the scheme has become one of the most impactful last-mile credit delivery programmes of the decade.What Is PM SVANidhi Yojana?PM Street Vendor’s AtmaNirbhar Nidhi (PM SVANidhi) is a micro-credit scheme launched by the Ministry of Housing and Urban Affairs (MoHUA) to provide affordable working capital loans to street vendors displaced or adversely affected by COVID-19 and beyond. The scheme enables vendors to resume their livelihoods, graduate to formal financial systems, and build credit histories that unlock further growth.The scheme operates through a tiered collateral-free loan structure: Rs 15,000 in the first year, Rs 25,000 on timely repayment in the second year, and Rs 50,000 in the third year. Vendors who repay on time also receive a 7% annual interest subsidy credited directly to their accounts, and digital transactions earn cashback incentives of up to Rs 1,600 per year.Who Is Eligible?Any street vendor who was vending in urban areas on or before March 24, 2020 is eligible to apply. This includes: vendors with a Certificate of Vending issued by their Urban Local Body (ULB); vendors identified in surveys conducted by ULBs; vendors with a Letter of Recommendation from their ULB or Town Vending Committee; and vendors operating in areas adjacent to urban boundaries.There is no restriction on the type of goods sold — from fruits and vegetables to garments, footwear, cooked food, and artisan products. The scheme is accessible to all genders, with special emphasis on reaching women vendors.How to Apply for PM SVANidhi in Uttar PradeshStep 1: Visit the official PM SVANidhi portal at pmsvanidhi.mohua.gov.in or the CSC (Common Service Centre) nearest to you.Step 2: Register using your Aadhaar number and mobile number (Aadhaar-linked OTP authentication).Step 3: Fill in the application form with personal details, vending category, and business address. Upload a photograph and vending certificate or letter of recommendation.Step 4: The application is processed by your Urban Local Body and forwarded to a lending institution. Eligible lending partners include Scheduled Commercial Banks, Regional Rural Banks, Microfinance Institutions, SHG-linked banks, and Cooperative Banks.Step 5: On approval, the loan amount is disbursed directly to your bank account, typically within 30 days of application. Repayment is in monthly instalments over 12 months.UP’s Performance: A National LeaderUttar Pradesh has consistently ranked among the top states in PM SVANidhi implementation. As of data compiled by MoHUA, UP has disbursed loans to over 60 lakh beneficiaries across its 762 Urban Local Bodies — the highest count of any state in India. Cities like Lucknow, Kanpur, Varanasi, Agra, and Gorakhpur have seen particularly high uptake, with many vendors now accessing their third-tier loans of Rs 50,000.In Gorakhpur alone, the scheme has reached over 1.5 lakh vendors — a city-level achievement that has been cited by MoHUA as a model for urban poverty alleviation. Vendors who began with a Rs 10,000 loan to replenish their fruit cart now manage small supply chain operations sourcing directly from mandis, employing family members, and maintaining formal digital payment trails.Beyond Credit: Building a Financial IdentityPerhaps the most transformative dimension of PM SVANidhi is the creation of formal financial identities for people who previously existed outside the banking system. Through mandatory digital transaction tracking, vendors build a verifiable credit history. Many have used this foundation to access crop loans, housing loans under PMAY, and women’s self-help group credit lines.The scheme’s integration with the Unified Payments Interface (UPI) and QR code systems has also driven digital literacy in unexpected ways. Vendors in tier-2 and tier-3 cities now routinely accept PhonePe and Google Pay payments — a behavioural shift that has strengthened both their cash flow management and their attractiveness to customers. The Road AheadThe government has continued to expand PM SVANidhi’s scope, with the 2024–25 Union Budget announcing enhanced credit limits and deeper integration with the PM Vishwakarma Yojana ecosystem for artisan vendors. In Uttar Pradesh, the scheme is being aligned with Mission Shakti, ODOP, and urban livelihood programmes to create a comprehensive support ladder for the informal economy.For the street vendor pushing a handcart on a Lucknow street or operating a chaat stall outside a Varanasi temple, PM SVANidhi is not just a loan — it is, in many cases, the first time the state has seen them.Get the latest India news and live updates. Download the TOI App.End of ArticleFollow Us On Social MediaVideos’Why Was Ship Taken Into Risk Zone?’ Family of Aditya Sharma Seeks Investigation”Time Will Tell..” says Ex TMC MP Prakash Baraik Admist Speculations Of Political ShiftTMC Rift Deepens As Kalyan Banerjee Refuses Abhishek Legal RepresentationIndia Extends Tax Benefits For Ethanol-Blended Petrol Amid Energy Market UncertaintyIndia Protests Attack On Vessel Carrying Indian Crew Amid Trump’s Defence Of US StrikesFirst Indigenous C-295 Aircraft Successfully Completes Maiden Flight At Tata-Airbus FacilityCyber Fraud Crackdown: Gujarat Police Expose 105 Mule Accounts Under Operation Mule Hunt 2.0Manipur Tensions Rise After Bodies Of Six Abducted Naga Hostages Recovered In KangpokpiTamil Nadu CM Vijay Holds Talks With Congress Top Brass In Delhi Amid New Political SpeculationPM Modi Marks Historic Tenure, Credits NDA’s 12-Year Journey For India’s Transformation123PhotostoriesThe ‘Ellora of the Himalayas’: This forgotten temple complex is Himachal’s best-kept secretFrom Lonavala to Amboli: 10 monsoon hill stations near Mumbai worth the drive8 Mumbai neighbourhoods worth considering for cost-effective living5 simple tips to keep your wardrobe organized6 forgotten village foods that were naturally high in proteinFrom elegant interiors to a private pool and breathtaking balcony views: inside Kapil Sharma’s luxurious Rs 15 crore Mumbai homeThis toxic adulterant in edible oils can damage your nervous system: Here’s how to check if your cooking oil is safe6 simple ways to avoid unexpected snake encounters this spring8 things hiring managers notice within seconds of opening your resumeShe is 37, but her biological age is 24: 5 habits that help her stay young123Hot PicksOpendoor IndiaNitish Kumar SonForm 26ASIND vs AFG Live ScoreDelhi weatherGuru Randhawa gym firingTMC rebel MP listCJP ProtestTS Inter Supply Result 2026Top TrendingHaryana Gym Owner MurderGuru Randhawa Gym FiringGold Rate TodayFIFA World Cup 2026Delhi Hotel FireSingappen Special ForceCJP ProtestCBSE Class 10 Second Board ResultBengaluru Child DeathKarnataka Murder

Vamsikrishna04 mins mins

For millions of street vendors across India’s cities and towns, access to affordable credit was once an impossible dream. Moneylenders charged ruinous interest rates, banks turned them away, and a single setback — a bad monsoon, a city crackdown — could wipe out their entire working capital. PM SVANidhi Yojana, launched in June 2020, changed…

Read More
NATA 2026 result expected soon as Phase 1 exam cycle nears completion; here’s how to check on nata.in

NATA 2026 result expected soon as Phase 1 exam cycle nears completion; here’s how to check on nata.in

Vamsikrishna02 mins mins

NATA 2026 schedule outlines weekly registration, admit card and result timeline for candidates NATA 2026 Result: NATA 2026 continues to draw attention as the Council of Architecture progresses through its examination cycle across India. Architecture aspirants are awaiting results from ongoing test sessions under the Phase 1 schedule, which began on April 4, 2026 and…

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