As the Pradhan Mantri Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi) scheme completes six years, it stands out as one of India's most impactful grassroots financial inclusion initiatives. Launched during the unprecedented challenges of the COVID-19 pandemic, the scheme was designed to support one of the most vulnerable segments of the urban economy—street vendors. Today, its success story reflects the power of targeted welfare measures rooted in trust, dignity, and economic empowerment. Street vendors form the backbone of India's informal economy. They provide affordable goods and services, generate employment, and contribute significantly to urban livelihoods. Yet for decades, they remained largely outside the formal banking system, dependent on informal lenders who often charged exorbitant interest rates. The absence of institutional credit limited their ability to grow and sustain their businesses. PM SVANidhi sought to change this reality. By providing collateral-free working capital loans, the scheme enabled vendors to restart and expand their businesses after the severe economic disruptions caused by the pandemic. More importantly, it introduced millions of vendors to formal financial systems, encouraging savings, digital transactions, and responsible credit practices. One of the scheme's greatest achievements lies in its focus on financial inclusion. Access to institutional credit not only reduces dependence on moneylenders but also helps create a credit history, opening doors to larger financial opportunities in the future. The incentives linked to timely repayment and digital transactions have further encouraged responsible financial behaviour among beneficiaries. The broader social impact of the scheme is equally significant. For many vendors, access to affordable credit has meant greater economic stability, improved household income, and enhanced self-confidence. It has strengthened the spirit of entrepreneurship at the grassroots level and reinforced the idea that small businesses are vital engines of economic growth. However, the journey is far from complete. Continued efforts are needed to expand awareness, simplify access, strengthen digital literacy, and ensure that benefits reach every eligible vendor, particularly in remote and underserved areas. Regular monitoring and integration with other livelihood and social security schemes can further enhance its impact. The success of PM SVANidhi demonstrates that inclusive development is possible when policies address the real needs of ordinary citizens. It is not merely a credit programme; it is a recognition of the contribution of millions of hardworking vendors who keep India's streets and local economies vibrant. As the scheme marks six years, it offers an important lesson: empowering small entrepreneurs ultimately strengthens the nation's economy. PM SVANidhi has transformed lives, restored livelihoods, and reaffirmed the belief that financial inclusion remains one of the strongest pillars of inclusive growth.