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Apna YojanaIndia

PM Vishwakarma Yojana

पीएम विश्वकर्मा योजना

PM Vishwakarma supports traditional artisans and craftspeople in 18 trades with skill training and a ₹500 daily stipend, a ₹15,000 toolkit grant, and collateral-free loans of up to ₹3 lakh at a 5% interest rate.

Researched by Mirza Seraj BaigFacts last checked against official sources on 7 September 2026
What you get
Recognition as a Vishwakarma with a certificate and ID; skill training with a stipend of ₹500 per day; a ₹15,000 grant towards a toolkit; collateral-free enterprise loans of ₹1 lakh (repayable over 18 months) followed by ₹2 lakh (repayable over 30 months), with the beneficiary paying 5% interest and an interest subvention capped at 8%; and an incentive of ₹1 per digital transaction for up to 100 transactions a month.
Who it is for
Artisans and craftspeople who work with their hands and tools in one of 18 recognised traditional trades, on a self-employment basis.
Implemented by
Ministry of Micro, Small and Medium Enterprises (MSME)
Coverage
Central scheme — available across India
Apply only on the official portal. This page explains the scheme; it does not process applications. Registration on government portals is free — do not pay anyone who offers to get you approved.

Who is eligible

  • You must be at least 18 years old on the date of registration.
  • You must be engaged in one of the 18 listed trades, working on a self-employment basis.
  • You must not have taken a loan under similar central or state credit schemes — PMEGP, PM SVANidhi or Mudra — in the last 5 years.
  • Registration and benefits are limited to one member per family.

Who is not eligible

These exclusions are as important as the eligibility rules — an application that falls into any of the categories below will be rejected or the benefit later recovered.

  • People in government service, and members of their families.
  • Anyone who has taken a PMEGP, PM SVANidhi or Mudra loan in the previous 5 years.
  • More than one member of the same family — only one person per family may register.

Documents required

  • Aadhaar card
  • Mobile number linked to Aadhaar (for biometric and OTP verification)
  • Bank account details
  • Ration card, or the Aadhaar details of family members where a ration card is not held
  • Proof of the trade you practise, as asked for during verification

How to apply for PM Vishwakarma

  1. Visit a Common Service Centre (CSC)

    Registration is done through a CSC using biometric authentication, so you cannot self-register from home. The CSC operator submits the application on your behalf.

    Open the official page ↗

  2. Complete Aadhaar and mobile verification

    The operator verifies your identity using Aadhaar biometrics and the mobile number linked to your Aadhaar.

  3. Fill the artisan registration form

    Give your personal details, your trade from the list of 18, family details and bank account information.

  4. Pass the three-stage verification

    Applications are verified in three stages: first by the Gram Panchayat or Urban Local Body, then the District Implementation Committee, then the Screening Committee.

  5. Collect your certificate and ID

    Once approved you receive a PM Vishwakarma digital certificate and ID card. These establish your recognition as a Vishwakarma and unlock the toolkit grant, training and credit benefits.

Go to the official government portal ↗

Frequently asked questions

Which 18 trades are covered under PM Vishwakarma?

Carpenter, boat maker, armourer, blacksmith, hammer and tool kit maker, locksmith, sculptor or stone carver, stone breaker, goldsmith, potter, cobbler or footwear artisan, mason, basket/mat/broom maker and coir weaver, traditional doll and toy maker, barber, garland maker, washerman, tailor, and fishing net maker.

How much loan can I get under PM Vishwakarma?

Collateral-free loans are given in two tranches: ₹1 lakh first, repayable over 18 months, then ₹2 lakh, repayable over 30 months. The beneficiary pays 5% interest, with an interest subvention capped at 8%.

What is the PM Vishwakarma toolkit incentive?

Registered beneficiaries receive a grant of ₹15,000 towards buying a toolkit for their trade.

Is there a stipend during PM Vishwakarma training?

Yes. Trainees receive a stipend of ₹500 per day during skill training.

Can I apply for PM Vishwakarma online by myself?

No. Registration needs biometric authentication, so it is done through a Common Service Centre. You can read scheme details and track your application on pmvishwakarma.gov.in.

Are government employees eligible for PM Vishwakarma?

No. People in government service and members of their families are not eligible for the scheme.

Applying from your state

PM Vishwakarma is a central scheme, so it is open in every state and union territory. Verification, and the state-issued documents you may be asked for, differ by state.

Related schemes

PM-KISAN

PM-KISAN gives land-holding farmer families income support of ₹6,000 a year, paid directly into their bank accounts in three equal instalments of ₹2,000. Twenty-three instalments have been released so far; the 24th has not yet been announced.

e-Shram

e-Shram registers unorganised workers aged 16 to 59 on a national database and issues a Universal Account Number card, which is used as a single entry point to a set of central social security schemes.