Pradhan Mantri Vishwakarma Yojana — Empowering Traditional Artisans
PM Vishwakarma Yojana — September 2023 launched scheme for traditional artisans aur craftspeople. Loan up to ₹3 lakh, toolkit incentive, skill training, marketing support.
Scheme Overview
PM Vishwakarma Yojana September 2023 me Government of India ne launch ki thi. Yeh scheme specifically traditional artisans aur craftspeople ke liye design ki gayi hai — jo 'hand and tools' wale skills me kaam karte hain. Total outlay ₹13,000 crore (FY 2023-24 to FY 2027-28) hai. Scheme me 18 trades covered hain (carpenter, blacksmith, goldsmith, potter, tailor, etc.) — jo identified hain as Vishwakarma communities ke part as per traditional caste system. Multiple benefits ek single package me — ID, training, toolkit, credit, marketing.
Scheme Categories & Coverage
| Category | Limit/Coverage | Description |
|---|---|---|
| Covered Trades | 18 traditional trades | Carpenter, blacksmith, goldsmith, potter, tailor, etc. |
| First Loan Tranche | ₹1 lakh (1 year tenure) | After basic training |
| Second Loan Tranche | ₹2 lakh (after timely repayment) | Advanced phase |
| Interest Rate | 5% concessional | Government subsidized |
Note: Indicative figures from publicly available government sources. Subject to scheme revisions and lender's discretion.
Eligibility Criteria
- Indian citizen engaged in one of the 18 identified traditional trades
- Self-employed artisan with hands-on skill (not factory worker)
- Age: 18 years and above
- Family member (in covered trades): only one member per family eligible
- Government employees and their family members not eligible
- Beneficiaries of similar self-employment schemes (last 5 years) — not eligible (PMEGP, PMMY exception)
Required Documents
- Aadhaar card
- Mobile number (linked to Aadhaar)
- Bank account details
- Ration card (if available)
- Self-declaration of trade
- Caste/community certificate (if from listed Vishwakarma community)
- PM Vishwakarma online registration via pmvishwakarma.gov.in OR through CSCs
Specific documentation requirements may vary by lender, region, and scheme version. Verify with implementing agency.
Application Process
- Common Service Center (CSC) ya pmvishwakarma.gov.in pe registration karo
- Document verification by ULB/Gram Panchayat
- Final approval by District Implementation Committee (DIC)
- Vishwakarma ID Card + Certificate issue hota hai
- Basic skill training (5-7 days) attend karo with stipend ₹500/day
- Toolkit incentive ₹15,000 milta hai post-training
- Loan application: First ₹1 lakh, then ₹2 lakh after 6 months timely repayment
Key Benefits
- PM Vishwakarma Certificate + ID card
- Skill training: 5-7 days basic + 15 days advanced, stipend ₹500/day during training
- Toolkit incentive: ₹15,000 (one-time, post-training)
- Credit support: ₹1 lakh + ₹2 lakh (total ₹3 lakh) collateral-free
- Interest rate: 5% (concessional, government interest subvention of 8%)
- Digital transaction incentive: ₹1 per digital transaction, up to 100/month
- Marketing support: branding, quality certification, e-commerce onboarding, exhibitions
🚀 General Guidance Needed?
ProWiderKart facilitator se free jaankari le sakte ho — general information aur eligibility direction ke liye.
💬 WhatsApp Free JaankariFrequently Asked Questions
PM Vishwakarma me kaunse trades covered hain?
18 traditional trades: carpenter, blacksmith, goldsmith, potter, tailor, mason, weaver, washerman, barber, etc. Complete list official portal pe available hai.
Kitna loan mil sakta hai?
Total ₹3 lakh do tranches me — first ₹1 lakh (after basic training) + second ₹2 lakh (after 6 months timely repayment of first). 5% interest rate.
Toolkit kya milta hai?
Trade-specific toolkit worth up to ₹15,000 milta hai post-training as one-time grant. Cash transfer hota hai, vendor specific tools khareedne ke liye.
Kya factory workers eligible hain?
Nahi. PM Vishwakarma specifically self-employed artisans ke liye hai jo apne hands aur tools se kaam karte hain. Factory workers eligible nahi.
Application kahan se karein?
Common Service Centers (CSC), pmvishwakarma.gov.in portal, ya designated authorities ke through. Aadhaar + mobile number mandatory hai.
Family se kitne members apply kar sakte hain?
Only one family member per family eligible hai (covered trades me). 'Family' means husband, wife, and unmarried children.
Related Government Schemes
Vishwakarma Yojana Kis Tarah Ke Karigar Ke Liye Hai
Is yojana ki sabse khaas baat ye hai ki iska daayra hunar par tikta hai, degree ya business size par nahi. Ye un paramparik kaamon ke liye bani hai jo haath se hote hain aur aksar peedhi dar peedhi chalte hain. Lohar, sunar, kumhar, badhai, darzi, mochi, naai, dhobi, mala banane wale, khilona banane wale, aur aise hi kai kaam. Bahut karigar apne kaam ko itna saamanya maan lete hain ki unhe lagta hi nahi ki koi scheme unke liye ho sakti hai. Sach bolu to, yahi sabse badi rukawat hai. Agar aap apne haathon se kuch banate ya sudharte hain aur usi se ghar chalta hai, to ye scheme aapke liye hai. Pehla kadam sirf ye pata karna hai ki aapka kaam uski list mein hai ya nahi.
Aavedan Se Pehle Kya Samajh Lena Chahiye
Is yojana mein sirf funding nahi hai, uske saath training aur pehchaan ka hissa bhi hai. Bahut log sirf paise wale hisse par dhyan dete hain aur baaki chhod dete hain, jabki training aur certificate ka apna alag fayda hai. Doosri baat, aavedan ke liye aapko apna kaam saabit karna hota hai, isliye kaam se judi cheezein, jaise aapke aujaar aur banaye hue saamaan, dikhane layak rakhiye. Aap khud sochiye, jab kaam poori tarah haath ka ho to uska sabse achha proof kya hoga? Kaam khud. ProWiderKart ek facilitator hai, ye sarkari yojana hai aur iska poora faisla sambandhit vibhag ka hota hai.
Yahan Log Sabse Zyada Chook Jaate Hain
- Apne paramparik kaam ko scheme ke layak na samajhna.
- Sirf funding par dhyan dena, training ka hissa chhod dena.
- Apne kaam ka koi proof taiyar na rakhna.
- Aadhaar aur mobile ka link check na karna.
- Aavedan ke baad follow-up chhod dena.