PM Vishwakarma

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New Delhi · Delhi · India

The Ministry of Micro, Small and Medium Enterprises (MSME) is the central government ministry responsible for formulating policies and programmes for the MSME sector in India. It administers several schemes aimed at promoting entrepreneurship, livelihood creation, and enterprise…

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अक्सर पूछे जाने वाले प्रश्न

What is the PM Vishwakarma scheme?

PM Vishwakarma is a Central Sector Scheme by the Ministry of MSME, offering holistic support to artisans and craftspeople, including collateral-free credit, skill training, modern tools, digital transaction incentives, and market linkages.

Who is eligible to apply for the PM Vishwakarma scheme?

Applicants must be artisans or craftspeople working with hands and tools, engaged in self-employment in the unorganized sector, and practicing one of the 18 traditional trades. The minimum age is 18 years, and applicants should not have availed similar government loans in the past 5 years. Only one member per family can avail benefits.

What kind of financial support is available?

Beneficiaries can receive a ₹15,000 toolkit grant, collateral-free Enterprise Development Loans of ₹1 lakh (first tranche) and ₹2 lakh (second tranche) at a concessional 5% interest rate, and a training stipend of ₹500 per day during skill training. Incentives for digital transactions are also provided.

What is the application process for the scheme?

Eligible beneficiaries must enroll through their nearest Common Service Centre (CSC). The process involves online registration via the official portal, Aadhaar verification, biometric verification at the CSC, and filling out an online application form. This is followed by a three-stage verification process at Gram Panchayat/ULB, District, and Screening Committee levels.

Are there any restrictions on previous loans?

Yes, applicants should not have availed loans under similar credit-based schemes for self-employment/business development from the Central or State Government (such as PMEGP, PM SVANidhi, Mudra) in the past five years.

What other benefits does the scheme offer besides financial aid?

Beyond financial aid, the scheme provides formal recognition as a 'Vishwakarma' through a certificate and ID card, skill upgradation training (basic and advanced), modern tool support, incentives for digital transactions, and comprehensive marketing support including quality certification, branding, e-commerce linkage, and trade fair advertising.

PM Vishwakarma is a transformative Central Sector Scheme, launched by the Ministry of Micro, Small and Medium Enterprises (MoMSME), designed to uplift and empower India's rich ecosystem of traditional artisans and craftspeople. The scheme aims to provide comprehensive, end-to-end support to these Vishwakarmas, addressing critical areas such as access to collateral-free credit, skill enhancement, provision of modern tools, incentivizing digital transactions, and facilitating market linkages. Initially planned for a five-year implementation period, extending up to 2027-28, the scheme seeks to formalize and strengthen the unorganized sector's skilled workforce.

The core objectives of PM Vishwakarma are multifaceted. Firstly, it aims to confer formal recognition upon artisans and craftspeople as 'Vishwakarma' through official certificates and ID cards, thereby enabling them to access all scheme benefits. Secondly, it emphasizes skill upgradation, offering relevant training opportunities to hone their traditional crafts and adapt to modern techniques. Thirdly, the scheme provides financial support for acquiring better and modern tools, which is crucial for enhancing productivity, improving product quality, and boosting overall capability. Fourthly, a significant focus is on ensuring easy access to collateral-free credit, reducing the financial burden through interest subvention. Fifthly, it promotes digital literacy and financial inclusion by offering incentives for digital transactions. Lastly, the scheme is committed to providing robust platforms for brand promotion and market linkages, opening new avenues for growth and sustained economic viability for these traditional trades.

The PM Vishwakarma scheme offers a comprehensive package of financial and non-financial benefits to artisans and craftspeople. Key financial support includes a ₹15,000 grant as a toolkit incentive, enabling beneficiaries to acquire modern tools essential for their trade. Additionally, beneficiaries can access collateral-free Enterprise Development Loans up to ₹1,00,000 for the first tranche (repayable in 18 months) and ₹2,00,000 for the second tranche (repayable in 30 months). These loans come with a highly concessional interest rate of 5%, with the Ministry of MSME covering an interest subvention cap of 8%, making credit affordable. The Government of India also bears the credit guarantee fees. For skill development, beneficiaries receive a training stipend of ₹500 per day during their basic (5-7 days) and advanced (15 days) training programs. Furthermore, the scheme provides incentives for digital transactions, offering ₹1 per transaction for up to 100 transactions monthly. Non-financial benefits include formal recognition as 'Vishwakarma' through a Digital ID and Certificate, comprehensive skill upgradation training, and extensive marketing support through the National Committee for Marketing (NCM), covering quality certification, branding, promotion, e-commerce linkages, and participation in trade fairs. This holistic approach ensures artisans are not only financially supported but also equipped with modern skills and market access for sustainable growth.

PM Vishwakarma

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