पीएम विश्वकर्मा कारीगर क्रेडिट कार्ड - द्वितीय किस्त (₹2 लाख @ 5%)
ऋण प्रदाता बैंक / संस्था: Ministry of Micro, Small and Medium Enterprises
Second-stage artisan expansion credit up to ₹2,00,000 at 5% interest rate over 30 months.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Second-stage enterprise scaling credit under PM Vishwakarma providing up to ₹2,00,000 at a fixed 5% interest rate over 30 months for artisans who maintained standard repayments of Tranche 1.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
₹2,00,000 scaling credit at fixed 5% interest; 30 months repayment tenure; digital marketing and quality certification support; e-commerce marketplace onboarding.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Artisans who have repaid Tranche 1 loan without default and adopted digital transactions or completed advanced craft training.
जमानत / कोलेटरल आवश्यकता (Collateral)
Nil collateral; backed by National Credit Guarantee Trustee Company (NCGTC)
प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)
Zero prepayment penalty
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, Tranche 1 repayment track record, Advanced training certificate (if completed).
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Requires completion of Tranche 1 with standard repayment and completion of Advanced Skill Training (15 days).
🚀आवेदन के चरण (How to Apply)
Apply via PM Vishwakarma portal upon closing Tranche 1.
Apply at pmvishwakarma.gov.in using artisan credentials.
Visit financing bank with Tranche 1 closure acknowledgment.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the tenure for PM Vishwakarma Tranche 2?
The repayment tenure for Tranche 2 is 30 months.
What interest rate applies to Tranche 2?
The interest rate remains capped at 5.00% fixed for the borrower, with the remainder subsidized by the Ministry of MSME.
Can the artisan use Tranche 2 to set up an artisan workshop?
Yes, funds can be used for procuring advanced machinery, expanding inventory, workshop renovation, and hiring apprentice help.
Is marketing support provided after Tranche 2?
Yes, beneficiaries receive support for listing products on Open Network for Digital Commerce (ONDC) and GeM portal.