The PM SVANidhi Scheme has played a vital role in uplifting street vendors (SVs) by extending micro-credit assistance that supports their livelihoods and business growth. Under the current term loan (TL) model, vendors repay through fixed monthly instalments over a defined period, which has enabled many to strengthen their operations. As businesses evolve, street vendors often encounter new opportunities and requirements. To further empower them, a RuPay Credit Card facility is being introduced for PM SVANidhi beneficiaries. This initiative will provide vendors with on-demand access to credit, offering greater flexibility to meet day-to-day expenses and adapt to changing business needs. By complementing the existing loan structure, the Credit Card ensures that vendors can continue to grow with confidence and agility.