Jagananna Thodu in AP is the scheme that gave a Rs 10,000 interest-free loan to street vendors, hawkers and small traders in Andhra Pradesh. It was launched in November 2020 to help vendors who had lost their income during the Covid-19 lockdown, so that they could restart their business without borrowing from moneylenders at high interest. This guide explains who could get the loan, how it worked, and what the current status of Jagananna Thodu in AP is in 2026.

The loan was fully interest-free. The vendor repaid only the Rs 10,000 principal, in instalments over one year, and the government paid the entire interest to the bank. There was no fee to apply, and applications were taken through the Village and Ward Secretariats and the municipal offices. If you are looking for this loan today, read the current status section first, because Jagananna Thodu in AP was a scheme of the 2019-2024 government and no fresh loans have been announced under the current government.

What Is Jagananna Thodu?

Jagananna Thodu is a working capital loan scheme for street vendors in Andhra Pradesh. A street vendor is a person who sells vegetables, fruits, flowers, food, clothes or household goods on the street, in a market or from a pushcart, without a permanent shop. Such vendors work with very little money, and when their stock runs out or a festival comes, they need a small loan to buy goods. Before Jagananna Thodu, most of them borrowed from moneylenders at very high interest.

Under Jagananna Thodu in AP, the vendor got Rs 10,000 from a bank, and the government paid the entire interest. The vendor only had to repay the Rs 10,000 principal over one year. Vendors who repaid the loan on time could take the loan again in the next year, so the help continued as long as they repaid regularly. The scheme was run by the Municipal Administration and Urban Development Department, with the help of the Village and Ward Secretariats.

Jagananna Thodu ran alongside the central government’s PM SVANidhi scheme, which also gives a Rs 10,000 working capital loan to street vendors. Under PM SVANidhi, the central government gives a 7% interest subsidy, so the vendor pays the remaining interest. Under Jagananna Thodu, the Andhra Pradesh government paid the full interest, so the vendor paid nothing extra. That is the difference between the two schemes.

Who Was Eligible for Jagananna Thodu in AP?

These conditions applied for Jagananna Thodu in AP:

• You must be a street vendor, hawker or small trader selling goods or food on the street, in a market or from a pushcart in Andhra Pradesh.
• You must be identified as a vendor by the local municipal body or the Village or Ward Secretariat, and hold a vending certificate or vendor ID where one was issued.
• You must be 18 years or older.
• You must have a bank account in your name, linked to Aadhaar, so that the loan can be paid by Direct Benefit Transfer.
• You must not have taken another loan for the same purpose from the same bank at the same time.

Vegetable sellers, fruit sellers, flower sellers, food cart owners, tea sellers, clothes sellers and small traders of daily-use goods were all covered. The scheme did not ask for a fixed income limit or for collateral. The bank did not ask for security, because the government stood behind the loan. If you run a small shop or a bigger business, a larger loan is available under MUDRA Loan in AP, which gives up to Rs 20 lakh without collateral.

How Did Jagananna Thodu Work?

Follow these steps, which were used when the scheme was open:

1. Visit the nearest Village or Ward Secretariat or the municipal office with your Aadhaar card, bank passbook and vending certificate or vendor ID.
2. The secretariat or municipal staff checked your details and entered your application. Many vendors were already listed in the secretariat database from the survey of street vendors.
3. The application was sent to the bank, and the bank sanctioned the Rs 10,000 loan without asking for collateral.
4. The loan amount was credited to your bank account.
5. You repaid the Rs 10,000 in instalments over one year. The government paid the interest directly to the bank, so your repayment was only the principal.
6. If you repaid on time, you could take the loan again in the next year.

The interest-free benefit depended on repaying on time. If a vendor did not repay, the bank would treat it like any other unpaid loan, and the vendor would not be able to take the loan again. That is why the secretariat staff and the bank reminded vendors about the repayment dates.

Documents Required for Jagananna Thodu in AP

These documents were needed to apply for Jagananna Thodu in AP:

• Aadhaar card of the vendor.
• Bank account passbook in the vendor’s name.
• Vending certificate or vendor ID issued by the municipal body, where available.
• Mobile number linked to Aadhaar, for loan messages.
• Passport-size photograph of the vendor.

No income certificate and no caste certificate were needed for this scheme. If you did not have a vending certificate, the secretariat or the municipal office could help you get identified as a vendor through the street vendor survey.

Current Status of Jagananna Thodu in AP in 2026

Jagananna Thodu was launched by the YSRCP government in November 2020 and ran till 2024. The government changed in June 2024, and the new government has not announced fresh Jagananna Thodu loans. As of November 2026, there is no open application for Jagananna Thodu in AP and no new interest-free loans have been released under this scheme name.

This does not mean street vendors have no help. The central PM SVANidhi scheme is still live, and it is the scheme vendors should use now:

• PM SVANidhi gives a first loan of Rs 10,000 as working capital to street vendors.
• The central government gives a 7% interest subsidy on the loan, so the vendor pays less interest.
• Vendors who repay the first loan on time can take a second loan of Rs 20,000, and then a third loan of Rs 50,000.
• Vendors who pay digitally also get a cashback of up to Rs 1,200 a year.
• You can apply on the PM SVANidhi portal at pmsvanidhi.mohua.gov.in or at the nearest Common Service Centre.

If you were a Jagananna Thodu beneficiary and your loan is still unpaid, repay it through your bank, because an unpaid loan will block a fresh PM SVANidhi loan. If you want a bigger loan for a shop or a small business, see our guide to PMEGP in AP, which gives loans with a subsidy of up to 35%. The Andhra Pradesh government’s portal is ap.gov.in, and scheme announcements are made there first.

Frequently Asked Questions About Jagananna Thodu in AP

How much loan did Jagananna Thodu in AP give?

Rs 10,000 as a working capital loan, fully interest-free for the vendor. The government paid the entire interest to the bank.

Who was eligible for Jagananna Thodu in AP?

Street vendors, hawkers and small traders in Andhra Pradesh who were identified by the municipal body or the Village or Ward Secretariat, aged 18 or above, with a bank account.

Is Jagananna Thodu still running in 2026?

No. The scheme ran from November 2020 to 2024 under the previous government, and no fresh loans or applications have been announced under the current government as of November 2026. Check at the Village or Ward Secretariat for the latest position.

What is the difference between Jagananna Thodu and PM SVANidhi?

Both give a Rs 10,000 working capital loan to street vendors. Under Jagananna Thodu, the state government paid the full interest, so the vendor paid no interest. Under PM SVANidhi, the central government gives a 7% interest subsidy, so the vendor pays the remaining interest. PM SVANidhi is still live.

Can I apply for a street vendor loan now?

Yes, under PM SVANidhi. Apply on the PM SVANidhi portal at pmsvanidhi.mohua.gov.in, or at the nearest Common Service Centre or municipal office.

Final Word

Jagananna Thodu in AP gave a Rs 10,000 interest-free loan to street vendors, hawkers and small traders, so that they could restart their business without borrowing from moneylenders. It ran from November 2020 to 2024, and as of November 2026 it is not open for fresh applications. Street vendors who need a loan today should apply under PM SVANidhi, which is live and gives the same Rs 10,000 first loan with a 7% interest subsidy. For other scheme updates and payment news, see our roundup of Andhra Pradesh schemes in August 2026.

Last updated: November 2026