PM Vishwakarma Yojana — How to Apply, Benefits, Eligibility for Artisans & Craftsmen

What is PM Vishwakarma Yojana?

PM Vishwakarma Yojana is a Central Government scheme launched on 17th September 2023 by Hon'ble Prime Minister Shri Narendra Modi. The scheme is designed to support traditional artisans and craftsmen (called "Vishwakarmas") across India.

The scheme provides end-to-end support — from recognition and skill training to modern tools, affordable credit, and help with digital marketing. The total budget for PM Vishwakarma is ₹13,000 crore for the period 2023-24 to 2027-28.

It is implemented by the Ministry of Micro, Small and Medium Enterprises (MSME).

In simple words: If you are a carpenter, blacksmith, tailor, potter, or any traditional craftsperson working with your hands, this scheme can give you training, tools, and a low-interest loan to grow your work.

18 Eligible Trades Under PM Vishwakarma

The scheme covers 18 traditional trades. If you work in any of these, you can apply:

Benefits of PM Vishwakarma Yojana

1. PM Vishwakarma Certificate and ID Card

• You receive a recognition certificate and PM Vishwakarma ID card
• This gives you a formal identity as a Vishwakarma artisan

2. Skill Training

• Basic Training: 5-7 days (with ₹500 per day stipend)
• Advanced Training: 15 days or more (with ₹500 per day stipend)
• Training is provided by recognized institutions in your trade

3. Toolkit Incentive

• After completing training, you get up to ₹15,000 as a toolkit incentive
• This money is given to buy modern tools for your trade
• Amount is credited directly to your bank account via e-RUPI or e-voucher

4. Collateral-Free Credit (Loan)

• First Tranche: Up to ₹1,00,000 (₹1 lakh) — for 18 months
• Second Tranche: Up to ₹2,00,000 (₹2 lakh) — for 30 months
• Interest rate: Only 5% (concessional)
• The government pays the remaining interest (credit guarantee by MoMSME)
• No collateral or guarantee needed!

5. Digital Incentive and Marketing Support

• Help with digital transactions — incentive of up to ₹1 per transaction (max ₹100 per month)
• Support for listing on platforms like GeM (Government e-Marketplace)
• Help with quality certification and branding
• Marketing and advertising support through National Committee for Marketing (NCM)

Eligibility for PM Vishwakarma Yojana

You are eligible if you meet all these conditions:

✅ You are an artisan or craftsperson working in one of the 18 listed trades

✅ You are 18 years or older on the date of registration

✅ You should be working in the trade in a self-employed capacity (with hand tools)

✅ You should NOT be availing loans under similar schemes:

• PMEGP (Prime Minister's Employment Generation Programme)
• PM SVANidhi
• Mudra Yojana

✅ Only one member per family can register (family = husband, wife, and unmarried children)

✅ Government employees and their family members are not eligible

Documents Required

Keep these documents ready before applying:

1. Aadhaar Card (mandatory — must be linked to mobile number)
2. Bank Account Details (account number, IFSC code)
3. Mobile Number (linked to Aadhaar for OTP verification)
4. Ration Card (if available)
5. Trade-related proof — any document or self-declaration showing you practice one of the 18 trades
6. Passport-size photograph
7. Caste certificate (if applicable, not mandatory for registration)

Tip: Make sure your Aadhaar is linked to your mobile number. You will receive OTP on this number during registration.

How to Apply Online — Step by Step

Step 1: Visit the Official Portal

Go to pmvishwakarma.gov.in

Step 2: Register with Mobile and Aadhaar

• Click on "Register" or "How to Register"
• Enter your mobile number linked to Aadhaar
• Verify with OTP
• Enter your Aadhaar number and verify with Aadhaar OTP (e-KYC)

Step 3: Fill the Application Form

• Enter your personal details (name, date of birth, address)
• Select your trade from the list of 18 trades
• Enter your bank account details
• Upload required documents

Step 4: Gram Panchayat / ULB Verification

• After submitting, your application goes to the Gram Panchayat (for rural areas) or Urban Local Body / ULB (for urban areas)
• The Gram Panchayat/ULB officer will verify your trade and identity
• You may be called for physical verification

Step 5: District Implementation Committee (DIC) Approval

• After GP/ULB verification, the District Implementation Committee reviews your application
• On approval, you get your PM Vishwakarma Certificate and ID Card

Step 6: Skill Training Enrolment

• Once approved, you will be enrolled for skill training
• You receive ₹500/day stipend during training

Step 7: Apply for Toolkit and Loan

• After training, apply for toolkit incentive (₹15,000)
• Apply for collateral-free loan (₹1 lakh first, ₹2 lakh later)

Important: The entire process is online. You can also visit your nearest Common Service Centre (CSC) or Gram Panchayat office for help with registration.

Verification Process

1. Online Application → You submit through pmvishwakarma.gov.in
2. Gram Panchayat / ULB Verification → Local body verifies your trade and identity
3. District Implementation Committee (DIC) → Reviews and approves
4. Certificate Issued → PM Vishwakarma Certificate and ID Card generated
5. Training Allotted → You are enrolled in skill training programme

The verification usually takes 15-30 days after submission, depending on your area.

Skill Training Details

• Training is conducted at recognized centres near your location
• Training covers modern techniques, quality standards, and digital skills
• After training, you become eligible for toolkit incentive and loan

Loan Details

First Tranche

• Amount: Up to ₹1,00,000 (₹1 lakh)
• Repayment Period: 18 months
• Interest Rate: 5% (concessional)
• Collateral: Not required
• When: After completing skill training

Second Tranche

• Amount: Up to ₹2,00,000 (₹2 lakh)
• Repayment Period: 30 months
• Interest Rate: 5% (concessional)
• Collateral: Not required
• When: After successfully repaying first tranche and maintaining good credit discipline

Note: The loan is disbursed through scheduled commercial banks. The interest subvention (subsidy) is provided by the Ministry of MSME, so you pay only 5%.

Frequently Asked Questions (FAQs)

Q1: Is PM Vishwakarma Yojana free to apply?

Yes. There is no application fee. Registration on pmvishwakarma.gov.in is completely free. You can also register through CSC centres without charge.

Q2: Can women artisans apply?

Yes. Women artisans working in any of the 18 trades are fully eligible. The scheme encourages women participation.

Q3: I already have a Mudra loan. Can I still apply?

No. If you currently have a loan under PMEGP, PM SVANidhi, or Mudra, you are not eligible for PM Vishwakarma. You can apply after those loans are fully repaid.

Q4: Can more than one family member apply?

No. Only one member per family (husband, wife, and unmarried children) can register under PM Vishwakarma.

Q5: What if I don't have a smartphone? How do I apply?

You can visit your nearest Common Service Centre (CSC) or Gram Panchayat / Municipal office. The staff there will help you register online.

Q6: Is there an age limit?

You must be at least 18 years old at the time of registration. There is no upper age limit.

Q7: How long does the full process take?

After registration, verification takes about 15-30 days. Skill training may start within 1-3 months of approval. Loan disbursement follows after training.

Q8: What is the total benefit I can get?

• Training stipend: ₹2,500 - ₹7,500+
• Toolkit incentive: ₹15,000
• Loan: Up to ₹3,00,000 (₹1L + ₹2L) at 5% interest
• Plus certificate, digital support, and marketing help

Important Links

• Official Website: pmvishwakarma.gov.in
• Ministry of MSME: msme.gov.in
• Helpline Number: 1800-599-0023 (Toll Free — Udyam Registration Helpline)

Last updated: 16 February 2026. Information sourced from pmvishwakarma.gov.in. Always check the official portal for the latest updates.