PM Vishwakarma Yojana

Scheme Introduction: A Brief Overview

The PM Vishwakarma Scheme is a Central Sector Scheme of the Ministry of Micro, Small & Medium Enterprises (MSME) for artisans and craftspeople engaged in traditional trades. The scheme provides end-to-end support to help eligible artisans improve their skills, access modern tools, obtain affordable credit and connect with better markets. It covers 18 traditional trades and provides recognition through a PM Vishwakarma Certificate and ID Card after successful verification.

The scheme provides several direct benefits to eligible artisans. These include a toolkit incentive of up to ₹15,000, Basic and Advanced Skill Training, a training stipend of ₹500 per day and a ₹1,000 transport allowance for training. Artisans can also receive an incentive of ₹1 per eligible digital transaction for up to 100 transactions per month. The scheme also provides marketing support through quality certification, branding, e-commerce, trade fairs, advertising and publicity.

One of the major benefits under the PM Vishwakarma Scheme is collateral-free credit support of up to ₹3 lakh. The credit is provided in two tranches, with the first tranche of up to ₹1 lakh and the second tranche of up to ₹2 lakh. The beneficiary receives the loan at a concessional 5% interest rate, while the Government provides interest subvention of up to 8%. The Government also bears the credit guarantee fee for the eligible loan.

The scheme is available to Indian artisans and craftspeople aged 18 years or above who work with their hands and tools in one of the 18 covered traditional trades. The applicant must be engaged in the concerned trade on the date of registration and work on a self-employment basis in the unorganised sector. Only one member of a family can register under the scheme, while government employees and their family members are not eligible.

Applicants must also meet the prescribed conditions regarding previous credit support. A person who has availed a similar credit-based Central or State Government self-employment or business development loan during the previous five years is generally not eligible. This includes credit support under schemes such as PMEGP, PM SVANidhi and MUDRA, subject to the specific conditions of the PM Vishwakarma guidelines. Applicants who have fully repaid PM SVANidhi or MUDRA loans can become eligible, subject to other conditions.

Eligible artisans can apply for the PM Vishwakarma Scheme online through a Common Service Centre (CSC). The CSC operator completes the registration on the PM Vishwakarma portal after Aadhaar OTP and biometric authentication and enters the applicant's personal, family, address, trade and bank details. The application is then submitted for the prescribed verification process. Registration under the scheme is free of charge, and a Registration Number is generated after successful submission.

Scheme Benefits

The PM Vishwakarma Scheme provides eligible artisans and craftspeople with financial assistance, skill training, toolkit support and help to improve their market access.

• A collateral-free loan of up to ₹3 lakh is available in two stages at a 5% interest rate.
• A toolkit incentive of up to ₹15,000 is provided through an e-voucher.
• Basic and Advanced Skill Training is provided, along with a ₹500 per day training stipend.
• A PM Vishwakarma Certificate and ID Card are issued after successful verification.
• A ₹1,000 transport allowance is provided for training.
• A ₹1 incentive per eligible digital transaction is available for up to 100 transactions per month and is credited through DBT.
• The Government bears the credit guarantee fee for loans provided under the scheme.
• Support is provided for quality certification, branding, e-commerce and other marketing activities.
• Artisans can receive support for trade fairs, advertising and publicity to improve their market access.

PM Vishwakarma Loan Details

The scheme provides collateral-free Enterprise Development Loans to help eligible artisans expand or strengthen their business. The loan is provided in two stages subject to the prescribed conditions.

• The first loan tranche provides up to ₹1 lakh with an 18-month repayment period.
• The second loan tranche provides up to ₹2 lakh with a 30-month repayment period.
• The beneficiary receives the loan at a concessional interest rate of 5%.
• The Government provides interest subvention of up to 8%.
• The loan is provided on a collateral-free basis.
• The credit guarantee fee is borne by the Government.
• The second tranche can be availed after repayment of the first tranche and fulfilment of the prescribed conditions, including the required period from the first loan disbursement.

Eligibility Requirements

Applicants must meet the prescribed conditions to register under the PM Vishwakarma Scheme. The eligibility criteria cover age, traditional trade, self-employment, previous credit support and family participation.

• The applicant must be an Indian citizen aged 18 years or above on the date of registration.
• The applicant must work with hands and tools in one of the 18 traditional trades covered under the scheme.
• The applicant must be engaged in the concerned trade on the date of registration and work on a self-employment basis in the unorganised sector.
• The applicant must not have availed a similar credit-based Central or State Government self-employment or business development loan during the previous 5 years.
  • This includes loans under schemes such as PMEGP, PM SVANidhi and MUDRA.
  • The five-year period is counted from the date of sanction of the loan.
  • Applicants who have fully repaid their PM SVANidhi or MUDRA loans can become eligible, subject to the other scheme conditions.
• Only one member of a family can register under the scheme. The family includes the husband, wife and unmarried children.
• Government employees and their family members are not eligible to register under the scheme.

Trades Covered Under PM Vishwakarma Scheme

The PM Vishwakarma Scheme covers 18 traditional trades. Artisans and craftspeople working in these trades can apply for the scheme if they meet the prescribed eligibility conditions.

1. Carpenter (Suthar/Badhai)
2. Boat Maker
3. Armourer
4. Metalsmith/Metal Caster
5. Hammer and Tool Kit Maker
6. Locksmith
7. Goldsmith (Sonar)
8. Potter (Kumhaar)
9. Sculptor (Moortikar, Stone Carver) and Stone Breaker
10. Cobbler (Charmakar)/Shoesmith/Footwear Artisan
11. Mason (Rajmistri)
12. Basket/Mat/Broom Maker and Coir Weaver
13. Doll and Toy Maker (Traditional)
14. Barber (Naai)
15. Garland Maker (Malakaar)
16. Washerman (Dhobi)
17. Tailor (Darzi)
18. Fishing Net Maker

Required Documents

Applicants need to provide basic identity, family and bank details while registering for the PM Vishwakarma Scheme. The registration is completed through the CSC, where the required information is verified.

• Aadhaar Card of the applicant.
• Mobile number linked with Aadhaar.
• Bank account details of the applicant.
• Ration Card.
• If the applicant does not have a ration card, Aadhaar details of all family members are required.

The official FAQ states that applicants do not need to upload documents on the PM Vishwakarma portal. The applicant provides Aadhaar and bank account details at the CSC, where biometric authentication and verification are completed.

Steps to Apply

Eligible artisans and craftspeople can register for the PM Vishwakarma Scheme through the official portal, the PM Vishwakarma mobile application or with assistance from a nearby Common Service Centre (CSC). The CSC registration process includes Aadhaar authentication and submission of the required details.

• Visit the PM Vishwakarma official website, use the PM Vishwakarma mobile application or approach the nearest CSC for registration.
• For CSC registration, the operator logs in to the portal using the CSC User Name and Password.
• Select the required eligibility options regarding government employees in the family and previous credit or loan facilities under similar government schemes.
• Enter the artisan's Aadhaar-linked mobile number and Aadhaar number and complete OTP verification.
• Complete Aadhaar biometric authentication.
• Fill in the required personal and contact details. Details such as name, father's or spouse's name, date of birth and gender are fetched from Aadhaar.
• Enter the required family details. Ration card details can be used to fetch family information. If a ration card is not available, the family details can be entered manually.
• Check the Aadhaar address and provide the current address if it is different.
• Select the artisan's profession or trade and provide the required information about the traditional trade and business address.
• Enter the bank account details, including the bank name, IFSC code, branch name and account number.
• Select whether credit support is required and provide the required loan details, if applicable.
• Provide the UPI ID and linked mobile number, if available, for digital transaction incentives.
• Read the details of the Skill Training and Toolkit benefits available under the scheme.
• Select the required Marketing Support benefits.
• Accept the Declaration and Terms and Conditions.
• Click on the Submit button after entering all the required information.
• A Registration Number is generated after successful submission.

Registration under the PM Vishwakarma Scheme is free of charge. Artisans who need assistance can complete the registration through their nearest CSC.

Relevant Links

• PM Vishwakarma Yojana Online Application Form.
• PM Vishwakarma Yojana Registration.
• PM Vishwakarma Yojana Official Website.
• PM Vishwakarma Yojana Guidelines.
• PM Vishwakarma Yojana Mobile Application.
• PM Vishwakarma Yojana FAQs.

Contact Information

• PM Vishwakarma Yojana Helpline Numbers :-
  • 18002677777.
  • 17923.
  • 011-23061574.
• PM Vishwakarma Yojana Nodal Officer Number :- 011-23061176.
• PM Vishwakarma Yojana Nodal Officer Email :-
  • [email protected].
  • [email protected]
• PM Vishwakarma Yojana State Wise Contact Numbers.