PM Vishwakarma is a transformative Central Sector Scheme launched by the Ministry of Micro, Small and Medium Enterprises (MoMSME) to support and empower traditional artisans and craftspersons who build products with their hands and tools. The scheme provides end-to-end holistic support across five key pillars: Recognition, Skilling, Toolkit Grant, Subsidized Credit, and Market Linkages.
18 Covered Traditional Trades
The scheme specifically covers 18 traditional family-based occupations: Carpenters (Suthar), Boat Makers, Armourers, Blacksmiths (Lohar), Hammer & Tool Kit Makers, Locksmiths, Goldsmiths (Sonar), Potters (Kumhaar), Sculptors (Moortikar/Stone carvers), Cobblers (Charmakar/Shoemakers), Masons (Raajmistri), Basket/Mat/Broom Makers/Coir Weavers, Doll & Toy Makers, Barbers (Naai), Garland Makers (Malakaar), Washermen (Dhobi), Tailors (Darzi), and Fishing Net Makers.
Beneficiaries receive the prestigious PM Vishwakarma Certificate and ID Card, ₹500 per day stipend during basic and advanced skill training, a ₹15,000 electronic voucher for purchasing modern toolkits, and collateral-free loans up to ₹3 Lakh at an attractive concessional interest rate of just 5%.
Eligibility Criteria
| Criterion | Requirement |
|---|---|
| Artisan Trade | Must be engaged in one of the 18 notified traditional craft trades using hands & tools |
| Minimum Age | Must be at least 18 years of age on the date of registration |
| Family Cap | Registration is restricted to one member per family (husband, wife, unmarried children) |
| Public Employment | The applicant or their family members must not be government employees |
| No Outstanding Similar Credit | Must not have active unpaid loans under PMEGP, PM SVANidhi, or Mudra in the last 5 years |
Who Cannot Apply
- •Government employees and their immediate household family members
- •Persons engaged in mechanized, automated mass manufacturing rather than traditional hand-tool crafts
- •Borrowers with past defaulted loans in central credit guarantee registries
- •More than one applicant from the same household family unit
Benefits of the Scheme
| Benefit Type | Amount / Description | Applicable Category |
|---|---|---|
| Skill Training Stipend | ₹500 per day during 5–7 days basic training & 15+ days advanced training | All registered Vishwakarma artisans |
| Modern Toolkit Incentive | ₹15,000 digital e-voucher credited after skill verification | All verified artisans |
| Collateral-Free Credit — Tranche 1 | Up to ₹1,00,000 at 5% interest (18 months tenure) | Artisans completing basic training |
| Collateral-Free Credit — Tranche 2 | Up to ₹2,00,000 at 5% interest (30 months tenure) | Artisans maintaining standard account in Tranche 1 |
| Digital Transaction Incentive | ₹1 per digital transaction up to 100 transactions/month | All active digital payment users |
How to Apply for PM Vishwakarma
Online Application — via Official Portal
- 1Visit any authorized Common Service Centre (CSC) with your Aadhaar and bank passbook
- 2The CSC Village Level Entrepreneur (VLE) opens pmvishwakarma.gov.in and completes biometric authentication
- 3Enter trade selection, family details from Ration Card, and bank account information
- 4Submit the application for three-tier multi-level verification (Gram Panchayat / ULB → District Committee → Screening Committee)
- 5Once approved, download the PM Vishwakarma Certificate & Digital ID Card from the portal
Offline Application — via Designated Centre
- 1Visit your local Gram Panchayat (rural) or Urban Local Body / Municipality (urban) office
- 2Request assistance from the designated Vishwakarma Nodal Officer
- 3Verify your trade practice during the local field verification stage
- 4Attend the basic skill training batch organized by the National Skill Development Corporation (NSDC)
Required Documents
| Document | Purpose |
|---|---|
| Aadhaar Card | Mandatory biometric authentication at CSC center |
| Mobile Number | Must be linked to Aadhaar for OTP verification and e-voucher receipt |
| Bank Account Details | Aadhaar-seeded active bank account for stipend and loan disbursal |
| Ration Card | Mandatory family composition verification (or self-declaration if ration card unavailable) |
| Trade Self-Declaration | Proof of active practice in one of the 18 traditional trade categories |
Who Can Apply
Traditional artisans and craftsmen working with hands and tools in 18 notified family-based trades.
Need Additional Financing?
Looking to scale your artisan workshop or purchase commercial equipment? Explore low-interest MSME loan options from ₹1 Lakh to ₹20 Lakh on PaisaOne.
Important Points & Payment Status Check
How to Check Payment & Beneficiary Status
- 1Go to pmvishwakarma.gov.in and click on Login → Beneficiary Login
- 2Enter your registered mobile number and verify via Aadhaar OTP
- 3Check your application status across Stage 1, Stage 2, and Stage 3 verifications
- 4View your ₹15,000 e-voucher code and loan application eligibility status
State-Wise Implementation
| State | Implementing Body | Application Centre | State Additions |
|---|---|---|---|
| Uttar Pradesh | Department of MSME & Export Promotion, UP | CSC Kendras, District Industries Centers (DIC) | Linked with One District One Product (ODOP) artisan fairs |
| Rajasthan | Commissioner of Industries & Commerce, Rajasthan | E-Mitra Centers, DIC offices | Special marketing pavilions at international craft expos |
| Odisha | Handlooms, Textiles & Handicrafts Department, Odisha | Mo Seva Kendras, CSCs | State provides free e-commerce onboarding on Utkalika portal |
| Tamil Nadu | MSME Department, Government of Tamil Nadu | e-Sevai Centers, DIC offices | State-sponsored advanced design and tooling masterclasses |
| West Bengal | Department of Micro, Small and Medium Enterprises, WB | Bangla Sahayata Kendras (BSK), CSCs | Artisan showcase stalls at Biswa Bangla exhibitions |
Additional Information
What is PM Vishwakarma Yojana?
PM Vishwakarma is a central government scheme providing identity recognition, skill training with a ₹500/day stipend, a ₹15,000 toolkit grant, and 5% interest collateral-free loans up to ₹3 Lakhs for traditional artisans in 18 trades.
Who qualifies for the ₹15,000 toolkit grant?
Any traditional artisan practicing one of the 18 notified crafts who completes the basic 5-7 days skill training and clears the skills verification assessment receives the ₹15,000 e-voucher.
What is the interest rate for PM Vishwakarma enterprise loans?
The loan interest rate charged to the artisan is fixed at 5% per annum, with an 8% interest subvention paid directly by the Ministry of MSME to lending banks.
