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:

1. Carpenter (Suthar / Badhai)
2. Boat maker
3. Armourer
4. Blacksmith (Lohar)
5. Hammer and tool-kit maker
6. Locksmith
7. Goldsmith (Sonar)
8. Potter (Kumhaar)
9. Sculptor (Moortikar) / stone carver
10. Cobbler / footwear artisan (Charmkar / Mochi)
11. Mason (Raajmistri)
12. Basket / mat / broom maker / coir weaver
13. Doll and toy maker (traditional)
14. Barber (Naai)
15. Garland maker (Maalakaar)
16. Washerman (Dhobi)
17. Tailor (Darzi)
18. 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.

1. Find your nearest CSC at https://locator.csccloud.in/
2. Walk in with your Aadhaar, ration card, bank passbook, mobile phone
3. CSC VLE does biometric e-KYC (fingerprint or iris)
4. VLE fills the registration form with your trade, family, business details, photograph
5. You receive an application reference number by SMS
6. 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
7. Once approved, your PM Vishwakarma ID + Certificate is issued — download from the portal
8. 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

---

Related guides on LabhKosh

• PM Mudra Loan — Shishu, Kishor, Tarun Guide
• Startup India + Stand-up India
• Udyam Registration for MSME
• PM-SVAnidhi — Street Vendor Loan

---

🏠 अपनी जमीन का रिकॉर्ड देखें Download the bhulekh app — खसरा, खतौनी, भू-नक्शा सब एक जगह।

---

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

Yeh website kisi bhi sarkari vibhaag se sambandhit nahi hai. Yahan di gayi jaankari sirf shaikshanik uddeshya ke liye hai.