PM Vishwakarma Yojana: Eligibility, Loan, and How to Apply Online in 2026
PM Vishwakarma is a central government scheme launched on 17 September 2023 to provide recognition, skill training, modern tools, and collateral-free credit to traditional artisans and craftspersons working across 18 specified trades. Administered by the Ministry of Micro, Small and Medium Enterprises, the scheme offers loans of up to ₹3 lakh at a concessional interest rate of 5% per annum in two tranches, along with a toolkit incentive of ₹15,000, skill training stipend, and a PM Vishwakarma certificate and identity card. Applications are made online at pmvishwakarma.gov.in through Common Service Centres.
What is PM Vishwakarma?
PM Vishwakarma, formally Pradhan Mantri Vishwakarma Yojana, is a 100% centrally funded scheme launched by the Government of India on 17 September 2023 (Vishwakarma Jayanti) with a total outlay of ₹13,000 crore over five years (FY 2023–24 to FY 2027–28). The scheme targets traditional artisans and craftspersons, the Vishwakarma community, who work with their hands and tools in 18 specified trades, and who have historically been excluded from formal credit and skill development systems.
PM Vishwakarma provides a complete ecosystem of support: formal recognition through a government certificate and ID card, basic and advanced skill training with a daily stipend, a free toolkit worth up to ₹15,000, collateral-free credit in two tranches (₹1 lakh first, ₹2 lakh second), and market linkage support through e-marketplace integration. The scheme is implemented jointly by the Ministry of MSME, the Ministry of Skill Development, and the Ministry of Finance, with SIDBI as the implementing financial institution for the credit component.
PM Vishwakarma, 18 Eligible Trades
| # | Trade |
|---|---|
| 1 | Carpenter (Suthar) |
| 2 | Boat Maker |
| 3 | Armourer |
| 4 | Blacksmith (Lohar) |
| 5 | Hammer and Tool Kit Maker |
| 6 | Locksmith |
| 7 | Goldsmith (Sonar) |
| 8 | Potter (Kumhar) |
| 9 | Sculptor / Stone Carver |
| 10 | Cobbler / Shoemaker (Charmkar) |
| 11 | Mason (Rajmistri) |
| 12 | Basket / Mat / Broom Maker / Coir Weaver |
| 13 | Doll and Toy Maker (Traditional) |
| 14 | Barber (Naai) |
| 15 | Garland Maker (Malakaar) |
| 16 | Washerman (Dhobi) |
| 17 | Tailor (Darzi) |
| 18 | Fishing Net Maker |
Key Benefits of PM Vishwakarma
| Benefit Type | Amount / Description | Applicable Category |
|---|---|---|
| PM Vishwakarma Certificate and ID card | Government-recognised artisan status | All registered beneficiaries |
| Skill training, basic | 5–7 days; ₹500/day stipend | All registered artisans |
| Skill training, advanced | 15 days or more; ₹500/day stipend | Artisans completing basic training |
| Toolkit incentive | Up to ₹15,000 as e-voucher for purchase of trade-specific tools | All registered artisans |
| Credit, 1st tranche | ₹1,00,000 collateral-free at 5% interest | All registered and trained artisans |
| Credit, 2nd tranche | ₹2,00,000 collateral-free at 5% interest | Artisans who repaid 1st tranche satisfactorily |
| Interest subvention | Government subvention of 8%, artisan pays 5%, government pays remaining 8% to lender | All credit beneficiaries |
| Digital transaction incentive | ₹1 per digital transaction (up to 100 transactions/month) to encourage UPI/digital payment adoption | Artisans using digital payments |
| Market linkage | Integration with GeM portal and e-commerce marketplaces | All registered artisans |
Eligibility Criteria
| Criterion | Requirement |
|---|---|
| Occupation | Must be engaged in one of the 18 notified trades as a self-employed artisan or craftsperson |
| Employment status | Must be working with hands and tools; not in organised sector employment or salaried government job |
| Registration | Must not be registered under MSME or be a proprietor of a registered MSME enterprise |
| Age | 18 years and above |
| Family restriction | Only one member per family eligible (family = husband, wife, and unmarried children) |
| Previous scheme | Must not have availed PM MUDRA Yojana (Tarun category) or PMEGP loan in the last 5 years |
| Caste / category | All castes and communities in the 18 trades are eligible, no caste restriction |
| Location | Rural and urban artisans both eligible |
Eligibility is subject to revision. Verify at pmvishwakarma.gov.in before applying.
Documents Required
| Document | Purpose |
|---|---|
| Aadhaar card | Mandatory for identity and biometric registration |
| Aadhaar-linked mobile number | For OTP verification during registration |
| Ration card | For family member verification (one member per family) |
| Bank account passbook (Aadhaar-linked) | For DBT credit of toolkit incentive and training stipend |
| Trade / occupation proof | Self-declaration of trade; supported by gram panchayat / ward councillor recommendation |
| Caste certificate | If applying for SC/ST or OBC category benefits under convergent schemes |
| Passport-size photograph | For ID card generation |
How to Apply for PM Vishwakarma Online
Step 1, Mobile and Aadhaar Verification (at CSC)
- Visit your nearest Common Service Centre (CSC), find your nearest CSC at locator.csccloud.in
- Ask the CSC operator to initiate your PM Vishwakarma registration
- Complete Aadhaar-based biometric verification at the CSC (facial or fingerprint)
- Your mobile number linked to Aadhaar is verified via OTP
Step 2, Artisan Registration (at CSC or Self-Portal)
- After Aadhaar verification, the CSC operator fills in your trade details, family member details, and bank account information on the PM Vishwakarma portal at pmvishwakarma.gov.in
- Alternatively, register yourself at pmvishwakarma.gov.in → Artisan Registration using your Aadhaar and mobile OTP
- Submit the registration, it is sent to the gram panchayat or urban local body for recommendation
Step 3, Verification and Certificate
- The gram panchayat / ward councillor verifies your trade and recommends the application
- District-level Implementation Committee (DLIC) approves the application
- Your PM Vishwakarma Certificate and ID card are generated and sent digitally
Step 4, Skill Training and Toolkit
- After certification, enrol in the Basic Skill Training (5–7 days) at your nearest training centre, receive ₹500/day stipend
- On completion, apply for the ₹15,000 toolkit e-voucher to purchase trade tools
- Proceed to Advanced Skill Training (15+ days) for the second stipend phase
Step 5, Credit Application
- After training completion, apply for the ₹1 lakh first tranche loan through your bank
- Repay satisfactorily and apply for the ₹2 lakh second tranche
PaisaOne does not process PM Vishwakarma applications. Register at pmvishwakarma.gov.in or your nearest CSC.
How to Check PM Vishwakarma Application Status
- Visit pmvishwakarma.gov.in → Artisan Login
- Log in with your registered mobile number and OTP
- View your registration status, certificate status, training enrolment, toolkit application, and loan status on the dashboard
- PM Vishwakarma Helpline: 18002677777 (toll-free)
- Grievance: pgportal.gov.in under Ministry of MSME
PM Vishwakarma loans go up to ₹3 lakh, but scaling a craft business beyond the scheme limit needs additional working capital. Compare business loan options from 30+ banks and NBFCs on PaisaOne to fund equipment, raw materials, or workshop expansion.
PM Vishwakarma Loan, Interest Subvention Calculation
The scheme subsidises 8% of the interest on the loan, leaving the artisan to pay only 5%.
Worked example, ₹1 lakh first tranche:
| Parameter | Value |
|---|---|
| Loan amount | ₹1,00,000 |
| Lending institution rate (approximate) | 13% p.a. |
| Government interest subvention | 8% p.a. |
| Artisan's effective interest rate | 5% p.a. |
| Approximate EMI (3-year tenure) | ~₹3,000/month |
| Total interest paid by artisan | ~₹8,000 over 3 years |
| Interest saved via subvention | ~₹24,000 over 3 years |
Actual EMI and tenure depend on the lending bank's terms. Figures are indicative.
State-Wise Implementation of PM Vishwakarma
| State | Implementing Body | State-Specific Notes |
|---|---|---|
| Uttar Pradesh | Directorate of Industries, UP + MSME Dept | Largest artisan base; strong carpenter, weaver, and potter communities in Varanasi, Bhadohi, Khurja |
| Rajasthan | MSME Dept, Rajasthan | Blue pottery (Jaipur), block printing, stone carving in Jodhpur and Bikaner; state adds artisan market fair support |
| Gujarat | Industries and Mines Dept, Gujarat | Strong metalwork, pottery (Khavda), and embroidery (Kutch) artisan clusters |
| West Bengal | MSME & Textiles Dept, WB | Terracotta (Bishnupur), conch shell craft, jute handicraft; convergence with West Bengal Handicraft Board |
| Maharashtra | MSME Dept, Maharashtra | Bidriware, Kolhapuri chappals, Warli art; convergence with MIDC artisan cluster support |
| Madhya Pradesh | MSME Dept, MP | Gond art, tribal crafts, Chanderi weaving; tribal artisans covered under SC/ST convergence |
| Karnataka | Dept of Micro and Small-Scale Industries, Karnataka | Channapatna toys, Bidriware, Ilkal textiles; Karnataka Handicraft Development Corporation convergence |
| Tamil Nadu | MSME Dept, TN | Tanjore paintings, bronze casting, Chettinad pottery; convergence with TIDCO artisan cluster scheme |
| Andhra Pradesh | MSME Dept, AP | Kalamkari, Kondapalli toys, Etikoppaka lacquerware; state provides additional market fair support |
| Odisha | MSME Dept, Odisha | Pattachitra, stone carving, Dhokra metal craft; convergence with Odisha Craft Council for market linkage |
What is PM Vishwakarma and who is it for? PM Vishwakarma, Pradhan Mantri Vishwakarma Yojana, is a 100% centrally funded scheme launched on 17 September 2023 by the Ministry of MSME for traditional artisans and craftspersons working in 18 specified trades. It provides government recognition, 5–7 days of basic skill training (₹500/day stipend), a ₹15,000 toolkit incentive, and collateral-free credit of up to ₹3 lakh at 5% interest. The scheme has an outlay of ₹13,000 crore over five years (2023–28).
What are the main benefits of PM Vishwakarma? Registered artisans receive a PM Vishwakarma Certificate and ID card, 5–7 days of paid basic skill training at ₹500/day, an e-voucher of up to ₹15,000 for trade tools, and a two-tranche collateral-free loan, ₹1 lakh first and ₹2 lakh second, at 5% interest (government subsidises 8% of the lending rate). Digital payment adoption is incentivised at ₹1 per transaction up to 100 transactions per month. Market linkage is provided via the GeM portal.
Who is eligible for PM Vishwakarma? Any Indian citizen aged 18 or above who is a self-employed artisan or craftsperson working in one of the 18 notified trades, using hands and tools, and not in salaried or organised sector employment, is eligible. Only one member per family can register. Applicants must not have availed a PM MUDRA Tarun loan or PMEGP loan in the last 5 years. All castes and communities are eligible, there is no caste restriction.
How do I apply for PM Vishwakarma? Apply through the nearest Common Service Centre (CSC) using Aadhaar-based biometric verification, or self-register at pmvishwakarma.gov.in with your mobile OTP. After gram panchayat or urban local body verification and DLIC approval, the certificate and ID card are issued. Post-certification, enrol in skill training, apply for the toolkit e-voucher, and then apply for the ₹1 lakh first tranche loan through your bank. Call 18002677777 for helpline support.
