पीएम विश्वकर्मा कारीगर क्रेडिट कार्ड - प्रथम किस्त (₹1 लाख @ 5%)
ऋण प्रदाता बैंक / संस्था: Ministry of Micro, Small and Medium Enterprises
Concessional artisan loan of ₹1,00,000 at 5% fixed interest rate with ₹15,000 toolkit voucher.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Collateral-free enterprise credit at an ultra-concessional 5% fixed interest rate for verified traditional artisans and craftspersons across 18 designated trades under PM Vishwakarma Scheme.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Fixed 5% interest rate (central govt pays remaining 8% interest to bank); ₹15,000 modern toolkit incentive; skill verification and official PM Vishwakarma ID card.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Artisan/craftsperson working in one of 18 trades (Carpenter, Blacksmith, Potter, Sculptor, Cobbler, Mason, Weaver, Barber, Washerman, Tailor, etc.), minimum age 18 years, 1 member per family.
जमानत / कोलेटरल आवश्यकता (Collateral)
Strictly zero collateral; covered under NCGTC Credit Guarantee Scheme for PM Vishwakarma
प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)
Zero prepayment penalty; early repayment unlocks Tranche 2 (₹2 Lakh)
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, Mobile number linked to Aadhaar, Bank account details, Skill verification certificate from PM Vishwakarma training.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Mandatory 5 to 7 days Basic Skill Training must be completed before loan disbursement. Family must practice one of the 18 designated traditional trades.
🚀आवेदन के चरण (How to Apply)
Apply through PM Vishwakarma portal or Common Service Centre (CSC).
Register at pmvishwakarma.gov.in via CSC with biometric authentication.
After Gram Panchayat / ULB verification and basic training, bank disburses credit.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the interest rate charged to the artisan?
The artisan pays a concessional fixed interest rate of only 5.00%. The remaining interest (up to 8%) is paid directly by the Ministry of MSME to the lending bank.
What are the 18 eligible trades?
Carpenters, Boat Makers, Armourers, Blacksmiths, Hammer/Tool Kit Makers, Locksmiths, Sculptors, Goldsmiths, Potters, Cobblers, Masons, Basket/Mat/Broom Makers, Traditional Doll/Toy Makers, Barbers, Garland Makers, Washermen, Tailors, and Fishing Net Makers.
What is the toolkit incentive?
Each verified beneficiary receives an e-voucher worth ₹15,000 to purchase modern digital toolkits relevant to their craft.
Is any collateral or processing fee charged?
No. The loan is 100% collateral-free, backed by NCGTC credit guarantee, and carries zero processing fees.