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ActiveCentral Sector SchemeLaunched 2023-09-17Verified: 2026-09-16

PM Vishwakarma Scheme

Comprehensive central support program for traditional artisans and craftspeople offering PM Vishwakarma certification, modern toolkits, and subsidized credit up to ₹3 lakh at 5% interest.

Government Levelcentral Government
Administering BodyMinistry of Micro, Small and Medium Enterprises
Beneficiary Sector
Business & EntrepreneurshipSkills & Employment
Applicable Jurisdiction
All India

₹Benefits & Entitlement Breakdown

1. Recognition: PM Vishwakarma Certificate and ID Card. 2. Skill Training: 5–7 days Basic Training with ₹500/day stipend, and 15+ days Advanced Training. 3. Modern Toolkit Incentive: ₹15,000 digital e-voucher for procurement of advanced toolkits. 4. Subsidized Credit Support: Collateral-free enterprise loans up to ₹3,00,000 in two tranches (1st Tranche: up to ₹1,00,000 for 18 months; 2nd Tranche: up to ₹2,00,000 for 30 months) at a concessional interest rate of just 5% (with 8% interest subvention paid by MoMSME). 5. Digital Transaction Incentives: ₹1 per digital transaction for up to 100 transactions per month.

📊Budget Allocation & Beneficiary Reach

Fiscal Budget Allocation

₹13,000 Crore (Union Government fully funded commitment)

Official Budget Document ↗
Verified Beneficiary Reach

2+ Crore applications received, 20+ Lakh verified Vishwakarmas enrolled

As of: 2024-03-31PIB / Official Citation ↗

Verified Eligibility Criteria

Age Requirement:Minimum 18 years
Annual Family Income Ceiling:No gross income ceiling specified
Target Occupations:carpenter, blacksmith, potter, sculptor, cobbler, mason, tailor, traditional_artisan
Eligible Gender:all
Social Category / Reservation:all
Specific Operational Conditions & Exclusions:

Must be an artisan or craftsperson working with hands and tools in one of the 18 recognized traditional trades (Carpenter, Boat Maker, Armorer, Blacksmith, Hammer & Tool Maker, Locksmith, Sculptor, Goldsmith, Potter, Cobbler, Mason, Basket/Mat/Broom Maker, Coir Weaver, Doll & Toy Maker, Barber, Garland Maker, Washerman, Tailor, Fishing Net Maker). Beneficiary must not have availed loans under PMMVY, PMEGP, or PM SVANidhi in the last 5 years. Registration restricted to one family member. Government servants and their family members are excluded.

Required Documents Checklist

  • ✓
    Aadhaar CardMandatory

    Mandatory biometric KYC verification.

  • ✓
    Active Mobile Number linked with AadhaarMandatory

    For receiving alerts, credentials, and digital voucher.

  • ✓
    Bank Account Details (Passbook / Cancelled Cheque)Mandatory

    For stipend, toolkit voucher, and loan credit.

  • ✓
    Ration Card / Family Composition DocumentMandatory

    For enforcing one-benefit-per-family rule.

  • ✓
    Trade-specific verification by Gram Panchayat / ULBMandatory

    Mandatory 3-tier vetting.

How to Apply

1. Visit the nearest Common Service Centre (CSC) with Aadhaar and bank details. 2. CSC operator accesses the PM Vishwakarma portal (https://pmvishwakarma.gov.in) and initiates Aadhaar biometric authentication. 3. Fill in applicant profile, family details, and select primary traditional trade from the 18 eligible trades. 4. Submit application for 3-tier verification: Gram Panchayat Head/ULB -> District Implementation Committee (DIC) -> State Screening Committee. 5. Upon approval, download digital PM Vishwakarma Certificate and ID card. 6. Undergo basic training to receive ₹15,000 toolkit voucher and apply for loan tranche.

Official Government Application Portal

You will be redirected to the secure official portal: pmvishwakarma.gov.in

Apply on official government website

Frequently Asked Questions (Officially Sourced)

Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.

How many traditional trades are covered under the PM Vishwakarma Scheme?

The scheme covers 18 traditional family-based crafts and trades, including carpenters, blacksmiths, potters, sculptors, cobblers, masons, barbers, washermen, and tailors.

Source: Official Scheme FAQ ↗

What is the interest rate charged on PM Vishwakarma enterprise loans?

The effective interest rate charged to the beneficiary is only 5% per annum, with the Ministry of MSME providing up to 8% interest subvention to lending banks.

Source: Official Scheme FAQ ↗

Can multiple members of the same household register for PM Vishwakarma?

No, registration and scheme benefits are strictly limited to one member per family (husband, wife, and unmarried children).

Source: Official Scheme FAQ ↗

Common Rejection Reasons & Warnings

Trade not falling within the 18 notified traditional artisan crafts; applicant or family member is a government employee; active loan outstanding under PMEGP or MUDRA; more than one applicant from same family.

Editorial Verification & Change Log

DateFieldDescription / UpdateSource Citation
2026-09-16initial_verificationBaseline verification of PM Vishwakarma guidelines, 18 recognized trades, and ₹15,000 toolkit voucher rules.Official Source ↗

Application Window & Deadlines

Open throughout the year (Continuous enrollment)

Related Welfare Programs

Pradhan Mantri Mudra Yojana (PMMY)

Institutional micro-finance scheme providing collateral-free business loans up to ₹20 lakh across Shishu, Kishore, and Tarun categories.

PM Street Vendor AtmaNirbhar Nidhi (PM SVANidhi)

Micro-credit working capital loan facility providing collateral-free loans up to ₹50,000 with 7% interest subsidy and cashback for urban street vendors.

Stand-Up India Scheme

Institutional bank credit program facilitating loans between ₹10 lakh and ₹1 crore to SC, ST, and Women entrepreneurs for greenfield enterprises.

Official Helpline & Nodal Offices

PM Vishwakarma Central Project Management Unit, Ministry of MSME

Udyog Bhawan, Rafi Marg, New Delhi - 110011

Helpline: 1800-267-7777 / 011-23061500 (National PM Vishwakarma Helpline)

Jurisdiction: National (All-India)

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Verification Metadata

Last verified by Eligo researchers on 2026-09-16 against official government documentation.

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