PM Vishwakarma Digital Transaction Cashback Scheme
Direct monthly cashback of ₹1 per digital transaction up to 100 transactions per month (₹100/month) credited directly to traditional artisans accepting UPI.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
Supported under PM Vishwakarma digital empowerment allocation
Official Budget Document ↗Over 12 Lakh artisans actively receiving monthly digital transaction cashbacks
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Certified PM Vishwakarma beneficiaries who have opened a digital transaction facility and accept customer payments via UPI/BHIM/RuPay.
Required Documents Checklist
Verify readiness before applying for PM Vishwakarma Digital Transaction Cashback Scheme. Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(2)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for PM Vishwakarma Digital Transaction Cashback Scheme?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
🔒 Secure Razorpay Checkout • 100% Independent
Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Receive customized UPI QR code and digital payment orientation during Basic Skill Training.
- 2
Link merchant UPI QR code to the PM Vishwakarma loan/savings account.
- 3
Accept digital payments from customers for craft items and artisan services.
- 4
System automatically computes digital transactions each month and credits cashback via DBT.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Non-certified artisan, transactions between own bank accounts, or non-digital payment modes.
Official Government Application Portal
You will be redirected to the secure official portal: pmvishwakarma.gov.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
What is the minimum transaction value required for the ₹1 incentive?
Any valid customer payment transaction accepted through the linked UPI QR code qualifies for the ₹1 cashback.
Source: Official Scheme FAQ ↗Is the cashback taxable?
No, the digital transaction incentive is a government promotional subsidy credited directly to support digital adoption.
Source: Official Scheme FAQ ↗How does digital transaction volume benefit the artisan for future loans?
High digital transaction activity demonstrates healthy commercial turnover, expediting approval for Tranche 2 loans of ₹2 Lakh.
Source: Official Scheme FAQ ↗Can I track my PM Vishwakarma Digital Transaction Cashback Scheme application status?
Application status for PM Vishwakarma Digital Transaction Cashback Scheme can typically be tracked through the official portal at pmvishwakarma.gov.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my PM Vishwakarma Digital Transaction Cashback Scheme payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving PM Vishwakarma Digital Transaction Cashback Scheme benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Non-certified artisan, transactions between own bank accounts, or non-digital payment modes.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-18 | scheme_type | cs | Official Source ↗ |
| 2026-09-28 | initial_verification | Baseline verification of PM Vishwakarma Digital Transaction Cashback Scheme guidelines, benefits, and portal integration. | Official Source ↗ |
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Scheme Intelligence
How is this calculated? ↗Verified 7d ago from .gov.in source
Requires documentation or office visit
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📅Scheme Milestone Timeline
Baseline verification of PM Vishwakarma Digital Transaction Cashback Scheme guid...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
Ministry of MSME / NPCI
Udyog Bhawan, New Delhi 110011
Helpline: 1800-267-7777
Jurisdiction: NationalNotice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-10-12 against official government documentation.
Eligo is an independent information platform unaffiliated with any government body. Always confirm latest terms directly on the official portal.