PM Vishwakarma Yojana 2026: 18 Trades, ₹3 Lakh Loan, Toolkit & Training

पीएम विश्वकर्मा योजना 2026: पात्रता, पंजीकरण और लाभ

Quick facts: 18 traditional artisan trades covered · ₹15,000 toolkit voucher · 5-day basic + 15-day advanced skill training with ₹500/day stipend · ₹1 lakh collateral-free loan at 5% interest (stage 1) · ₹2 lakh at stage 2 · portal pmvishwakarma.gov.in · registration via CSC.

Launched on 17 September 2023 (on Vishwakarma Jayanti), the PM Vishwakarma Yojana is India’s first national-scale scheme specifically for traditional artisan and craft workers — the carpenters, blacksmiths, potters, tailors, cobblers, masons, and 12 other trades that sustain rural and semi-urban India but have historically fallen outside formal welfare and credit systems. The scheme runs for 5 years with a total outlay of ₹13,000 crore, targeting 30 lakh artisan families over that period.

कौन-कौन सी 18 विधाएं — The 18 Eligible Trades

The scheme covers exactly these traditional occupations:

Carpenter (Suthar / Badhai)
Boat maker
Armourer
Blacksmith (Lohar)
Hammer and tool-kit maker
Locksmith
Goldsmith (Sonar)
Potter (Kumhaar)
Sculptor (Moortikar) / stone carver
Cobbler / footwear artisan (Charmkar / Mochi)
Mason (Raajmistri)
Basket / mat / broom maker / coir weaver
Doll and toy maker (traditional)
Barber (Naai)
Garland maker (Maalakaar)
Washerman (Dhobi)
Tailor (Darzi)
Fishing-net maker

If your trade is adjacent but not on the list (e.g. welder, electrician, plumber), you’re not eligible — this scheme is specifically preserving and upgrading traditional skills.

पात्रता — Who Qualifies

Age 18 or above at the time of registration
Engaged in one of the 18 listed trades as your self-employment (primary livelihood or continuous practice)
No active loan from central/state govt-run concessional schemes in last 5 years (PMEGP, PM SVAnidhi, Mudra — check if you have an active borrowing)
Only one member per family can enrol (family = self + spouse + unmarried children)
Government employees and their families are excluded

Registration is via Common Service Centres (CSCs) with three-tier verification — Gram Panchayat / ULB head → District Implementation Committee → State Verification → PM Vishwakarma dashboard.

लाभ की पूरी सूची — Complete Benefits

1. Recognition

PM Vishwakarma ID + Certificate — formal government recognition of your trade, issued after verification. Valid nationally.

2. Skill training

Basic training: 5-7 days, at recognised training centres near you
Advanced training: 15+ days (optional, after basic), for upskilling
Stipend: ₹500 per day during training, paid directly to your account via DBT

3. Toolkit incentive

₹15,000 e-voucher (one-time) to purchase modern tools specific to your trade. Redeemable at GeM portal or at listed vendors — you can’t withdraw this as cash; it’s only for tool purchase.

4. Loan support — Stage 1 and Stage 2

Stage	Loan amount	Tenure	Interest (effective)
Stage 1	₹1,00,000	18 months	5% p.a. (post subsidy)
Stage 2	₹2,00,000	30 months	5% p.a. (post subsidy)

Both loans are collateral-free and guarantor-free. MoMSME pays interest subvention of up to 8 percentage points — bank’s effective rate to you is capped at 5%.

Stage 2 trigger: Stage 1 must be fully repaid + advanced training completed + digital transaction activity shown.

5. Digital transaction incentive

₹1 per digital transaction credited to your bank, up to 100 transactions per month (₹1,200/year). Encourages you to accept UPI payments.

6. Market linkage

Branding and quality assurance support
Access to GeM portal as a seller
Publicity via Ministry campaigns

आवश्यक दस्तावेज़ — Documents Required

Aadhaar card + Aadhaar-linked mobile
Ration card
Bank account passbook
Mobile number (active, Aadhaar-linked)
Self-declaration of your trade and family composition

पंजीकरण कैसे करें — How to Register (CSC-based)

Registration must be done at a CSC — currently there’s no self-registration via the portal.

Find your nearest CSC at https://locator.csccloud.in/
Walk in with your Aadhaar, ration card, bank passbook, mobile phone
CSC VLE does biometric e-KYC (fingerprint or iris)
VLE fills the registration form with your trade, family, business details, photograph
You receive an application reference number by SMS
Three-tier verification proceeds over the next 15-45 days: – Gram Panchayat / ULB head: physical verification of your trade – District Implementation Committee: second-level check – State Verification: final approval
Once approved, your PM Vishwakarma ID + Certificate is issued — download from the portal
You can then apply for training, toolkit voucher, and Stage 1 loan through your bank / CSC

Application status check

Go to https://pmvishwakarma.gov.in → “Applicant / Beneficiary Login”
Enter mobile + OTP → see current verification stage

FAQ — Common Questions

Is my trade on the list? What if it’s close to a listed trade but different? Only the exact 18 listed trades are covered. Welder, plumber, electrician, mechanic, and similar “modern” trades are not included — PM Vishwakarma specifically targets traditional hand-craft occupations.

Can my wife and I both register if we both work in the trade? No. Only one family member can enrol per family (family = you + spouse + unmarried children). The family picks the primary enrollee.

I already have a Mudra loan. Can I still apply? If your Mudra loan is active (not fully repaid), you’re not eligible for PM Vishwakarma’s loan component. You can still register for ID, training, and toolkit — but the loan part is blocked until your existing concessional loan is cleared.

Is the ₹15,000 toolkit amount cash? No — it’s a voucher redeemable only for tool purchase, through GeM portal or approved vendors. Cash withdrawal is not allowed.

What is the actual interest rate I pay on the ₹1 lakh loan? 5% per annum effective — the bank charges you its prevailing rate (say 8-10%) and the government pays interest subvention of up to 8 percentage points, so your effective rate is capped at 5%. The subvention is paid quarterly by MoMSME.

My CSC rejected my application — is there an appeal? Yes. Go to the District Implementation Committee directly with your rejection letter and supporting documents. The DIC has override authority. You can also call the PM Vishwakarma helpline.

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Last verified: 20 April 2026. Official source: https://pmvishwakarma.gov.in