Sarkari Yojana
PM Vishwakarma
About PM Vishwakarma
PM Vishwakarma is a Central Sector Scheme launched by the Ministry of Micro, Small and Medium Enterprises to give artisans and craftspeople comprehensive, end-to-end support — spanning collateral-free credit access, skill training, modern tools, incentives for digital transactions, and market linkage assistance. The scheme will run initially for five years, through 2027-28. > Objectives
1. To grant artisans and craftspeople formal recognition as Vishwakarmas, making them eligible for all benefits under the Scheme. 1. To upgrade their skills through relevant, suitable training opportunities. 1. To help them access better, modern tools that raise their capability, productivity, and product quality. 1. To give intended beneficiaries easy access to collateral-free credit while lowering the cost of that credit through interest subvention. 1. To incentivise digital transactions and thereby encourage digital empowerment among these Vishwakarmas. 1. To offer a platform for brand promotion and market linkages so they can access new growth opportunities.
Implementing Agency
- The scheme is jointly carried out by the following Ministries/Departments:
- Ministry of Micro, Small and Medium Enterprises (MoMSME).
- Ministry of Skill Development and Entrepreneurship (MSDE).
- Department of Financial Services (DFS), Ministry of Finance (MoF).
Scheme Overview
Central Government
Ministry Of Micro, Small and Medium Enterprises
Individual
17 Sep 2023
Scheme Details
Eligibility Requirements
To qualify for PM Vishwakarma, applicants must satisfy the following conditions:
The applicant must be an artisan or craftsperson…
The applicant must be an artisan or craftsperson who works with their hands and tools.
The applicant must be self-employed within the unorganised…
The applicant must be self-employed within the unorganised sector.
The applicant must practise one of the 18…
The applicant must practise one of the 18 family-based traditional trades listed under the scheme.
As of the registration date, the applicant must…
As of the registration date, the applicant must be at least 18 years old.
The applicant must be actively engaged in the…
The applicant must be actively engaged in the concerned trade on the date of registration.
The applicant must not have taken loans in…
The applicant must not have taken loans in the past 5 years under comparable credit-based Central or State Government schemes for self-employment/business development, such as PMEGP, PM SVANidhi, or Mudra.
Only one member per family may register and…
Only one member per family may register and receive benefits under the Scheme.
Benefits Provided
PM Vishwakarma provides the following benefits to eligible applicants:
Recognition
Formal recognition as a Vishwakarma via a Certificate and an ID Card 1. Skilling:
Skill Verification followed by 5-7 days (40 hours)…
Skill Verification followed by 5-7 days (40 hours) of Basic Training
Interested candidates may also sign up for 15…
Interested candidates may also sign up for 15 days (120 hours) of Advanced Training
Training Stipend
Training Stipend: ₹500/- per day
Toolkit Incentive
A grant of ₹15,000/- 1. Credit Support:
Collateral-free Enterprise Development Loans
Collateral-free Enterprise Development Loans: ₹1,00,000/- (First Tranche, repayable in 18 months) & ₹2,00,000/- (Second Tranche, repayable in 30 months)
Concessional Rate of Interest
Concessional Rate of Interest: 5% charged to the beneficiary, with MoMSME paying an Interest Subvention capped at 8%
Credit Guarantee fees borne by the GoI
Credit Guarantee fees borne by the GoI
Incentive for Digital Transaction
₹1/- per transaction, for up to 100 transactions a month 1. Marketing Support: The National Committee for Marketing (NCM) offers services such as Quality Certification, Branding and Promotion, e-commerce Linkage, Trade Fair Advertising, Publicity, and other marketing activities. NOTE: Beneficiaries will be notified of incentive disbursements via SMS.
Documents Required
Applicants should keep the following documents ready before starting the application:
Required documents or information:
1. Aadhaar,
Mobile number,
Mobile number,
Bank account details,
Bank account details,
Ration card — mandatory for registration
Ration card — mandatory for registration. Note: 1 Beneficiaries without a ration card must instead produce Aadhaar cards for every family member. Note: 2 Beneficiaries without a bank account will need to open one first, with hand-holding support provided by the CSC.
2023-09-17
How to Apply
Online - via CSC Application
Applicants can apply for PM Vishwakarma through the online - via csc application process outlined below.
(i) Eligible beneficiaries need to get themselves enrolled through the nearest CSC in their area. (ii) The beneficiary can apply either independently or with assistance from the CSCs through Village Level Entrepreneurs (VLEs) or Enumerators. Registration :
Go to the Official Portal of "PM Vishwakarma"…
Go to the Official Portal of "PM Vishwakarma" and click "Login" at the top right corner, then select "CSC - Register Artisans". Portal link This takes you to the Registration.Registration page
On the "Registration Now" page, answer the set…
On the "Registration Now" page, answer the set of Yes/No questions and click "Continue". On the "Aadhaar Verification" page, key in the 6-digit OTP sent to your Aadhaar-linked mobile number and click "Continue". On the next screen, enter your Aadhaar Number and the Aadhaar-registered Mobile Number, then click "Continue". Application :
Go to your nearest CSC and complete the…
Go to your nearest CSC and complete the Biometric Verification process.
Fill in all mandatory fields in the Online…
Fill in all mandatory fields in the Online Application Form and click "Submit". On the next screen, note down the "Application Number" for future reference and click "Done". Verification : Stage 1: Eligibility is verified at the Gram Panchayat or ULB level. Stage 2: The District Implementation Committee vets and recommends the applications. Stage 3: The Screening Committee grants final approval of beneficiaries for registration once satisfied with their eligibility. Benefit Disbursal: Once the three-stage verification is complete, artisans and craftspeople get formally registered under the Scheme as Vishwakarmas. They receive a Digital ID, a PM Vishwakarma Digital Certificate, and a PM Vishwakarma ID Card. This certificate confirms their recognition as a Vishwakarma, entitling them to all benefits available under the Scheme.
Exclusions / Who Is Not Eligible
- A person in government service and their family members shall not be eligible.
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.