PM Vishwakarma Yojana — Benefits, Eligibility & How to Apply Online

What is PM Vishwakarma Yojana?

PM Vishwakarma Yojana is a Central Government scheme launched on 17th September 2023 to support traditional artisans and craftsmen (Vishwakarmas) across India. The scheme provides financial assistance, skill training, modern tools, and market linkage to workers engaged in 18 traditional trades.

The scheme is fully funded by the Government of India with a budget outlay of ₹13,000 crore for the period FY 2023-24 to FY 2027-28.

Key Highlight: Artisans get collateral-free loans up to ₹3 lakh at a concessional interest rate of just 5%, along with free skill training and a toolkit incentive of ₹15,000.

Who is Eligible?

To apply for PM Vishwakarma Yojana, you must meet these criteria:

• Age: 18 years or above
• Occupation: Working with hands and tools in one of the 18 notified trades (listed below)
• Not a government employee or their family member
• Not availed loans under PMEGP, PM SVANidhi, or Mudra in the last 5 years
• One member per family — only one person from a family (spouse and unmarried children) can apply
• Registration: Must be registered through Common Service Centres (CSCs) with biometric verification

18 Eligible Trades

1. Carpenter (Suthar)
2. Boat Maker
3. Armourer (Lohar)
4. Blacksmith (Lohar)
5. Hammer and Toolkit Maker
6. Locksmith (Talasmith)
7. Goldsmith (Sonar)
8. Potter (Kumhar)
9. Sculptor (Moortikar) / Stone Carver
10. Cobbler (Charmakar) / Shoemaker
11. Mason (Rajmistri)
12. Basket/Mat/Broom Maker
13. Doll & Toy Maker (Traditional)
14. Barber (Nai)
15. Garland Maker (Malakaar)
16. Washerman (Dhobi)
17. Tailor (Darzi)
18. Fishing Net Maker

Documents Required

Mandatory Documents

• Aadhaar Card (linked with mobile number)
• Ration Card or family details
• Bank Account (for Direct Benefit Transfer)
• Mobile Number (Aadhaar-linked)
• Passport-size Photograph

Supporting Documents

• Proof of trade/occupation (self-declaration or certificate from Gram Panchayat/Urban Local Body)
• Caste certificate (if applicable, not mandatory for the scheme)
• Age proof (if Aadhaar doesn't show DOB)

Benefits Under PM Vishwakarma Yojana

Note: The interest subvention (difference between bank rate and 5%) is paid by the Government. The effective interest rate for beneficiaries remains 5%.

How to Apply Online — Step-by-Step

Step 1: Visit the Official Portal

Go to pmvishwakarma.gov.in

Step 2: Mobile/Aadhaar Verification

• Click on "How to Register" or "Apply"
• Enter your Aadhaar-linked mobile number
• Verify with OTP

Step 3: Visit Common Service Centre (CSC)

• After initial registration, visit your nearest CSC (Common Service Centre)
• CSC operator will complete biometric verification using Aadhaar
• The Gram Panchayat / Urban Local Body will verify your trade

Step 4: Complete Registration Form

• Fill in personal details (name, DOB, address)
• Select your trade from the 18 eligible trades
• Upload photograph and documents
• Provide bank account details

Step 5: Verification & Approval

• Gram Panchayat/ULB verifies and recommends your application
• District Implementation Committee (DIC) approves the application
• You receive PM Vishwakarma Certificate and ID Card

Step 6: Avail Benefits

• Enrol for skill training at designated training centres
• After training, receive toolkit incentive of ₹15,000
• Apply for credit support (₹1 lakh in Phase 1, ₹2 lakh in Phase 2)

Offline Application

• Visit your Gram Panchayat (rural) or Urban Local Body (urban)
• They can initiate your registration and direct you to the nearest CSC
• You can also visit any Common Service Centre directly

Fees

Processing Time

• Registration approval: 15-30 days after biometric verification
• Certificate issuance: Within 7 days of approval
• Skill training schedule: Within 1-2 months of registration
• Toolkit incentive: Within 1 month after training completion
• Loan disbursement: 2-4 weeks after loan application

Important Tips

1. Aadhaar-mobile link is mandatory — ensure your mobile number is linked to Aadhaar before applying. See our Aadhaar mobile update guide.
2. One member per family — if multiple family members are artisans, only one can register. Choose wisely.
3. Complete training first — toolkit incentive and loan are available only after completing the skill training.
4. Repay Phase 1 on time — timely repayment of the ₹1 lakh loan qualifies you for the ₹2 lakh Phase 2 loan.
5. Use digital payments — earn ₹1 per transaction (up to 100/month) through the digital incentive component.

Frequently Asked Questions (FAQs)

Q1: Is PM Vishwakarma Yojana only for SC/ST/OBC?

No. This scheme is for all artisans and craftsmen working in the 18 notified trades, regardless of caste or religion. It is trade-based, not caste-based.

Q2: Can women apply for PM Vishwakarma Yojana?

Yes. Women artisans are equally eligible. The scheme encourages women's participation in traditional trades.

Q3: What is the maximum loan amount?

The total loan available is ₹3 lakh — ₹1 lakh in Phase 1 and ₹2 lakh in Phase 2. The interest rate is 5% per annum with no collateral required.

Q4: Is there any subsidy on the loan?

The loan itself is not a subsidy — it must be repaid. However, the interest rate is subsidised to 5% (government pays the difference). The toolkit incentive of ₹15,000 is a non-repayable grant.

Q5: Can I apply if I already have a Mudra loan?

No. If you or your family member has availed a loan under PMEGP, PM SVANidhi, or Mudra in the last 5 years, you are not eligible.

Q6: How do I find my nearest CSC?

Visit locator.csccloud.in to find the nearest Common Service Centre.

Q7: Is there an age limit?

Yes, you must be at least 18 years old to apply. There is no upper age limit.

This guide is for informational purposes only. CitizenNest is an independent platform and is not affiliated with the Government of India. Always verify details on the official PM Vishwakarma portal before applying.