Here is the whole scheme in one place: what you get, who qualifies, how to apply, and what to check.
| Scheme | Pradhan Mantri Vishwakarma Kaushal Samman Yojana (PM Vishwakarma) |
|---|---|
| Ministry | Ministry of Micro, Small and Medium Enterprises, Govt of India |
| Benefit | Rs 500 a day stipend during training, Rs 15,000 toolkit voucher, loans up to Rs 3 lakh at 5% interest |
| Who can apply | Artisans and craftspeople aged 18 and above, working on their own in the unorganised sector |
| How it is paid | Training stipend and toolkit e-vouchers, and loans through banks |
| Apply at | pmvishwakarma.gov.in or a Common Service Centre (CSC) |
| Cost to apply | Free |
Key points
- Training comes at two levels, with a Rs 500 daily stipend.
- A toolkit e-voucher of up to Rs 15,000 is given to artisans.
- Business loans come without collateral at 5 percent interest.
- A valid caste certificate and an Aadhaar-linked bank account are needed.
So what exactly does an artisan get?
The scheme gives two levels of skill training. Each trainee gets a stipend of Rs 500 per day during training.
Artisans can also get a toolkit e-voucher of up to Rs 15,000 to buy modern tools for their trade.
Marketing support comes from the National Committee for Marketing, which helps with documentation and market links.
Business development loans come without collateral, at an interest rate of 5 percent. The first loan is Rs 1 lakh, and a second loan of up to Rs 2 lakh can follow, so the total can reach Rs 3 lakh.
Graphic: News Anek, from the facts in this report
Amounts and rules can change, so please confirm the latest figures on the official site.
Who can apply, and who cannot?
You must be 18 years or older. The work should be your own, mainly in the unorganised sector.
The scheme is open to artisans from the traditional Vishwakarma communities, such as weavers, potters, tailors, goldsmiths, blacksmiths, sculptors, washermen, masons and garland makers.
You must have a valid caste certificate.
Only one member per family can register. Family means husband, wife and unmarried children.
Government employees and their family members are not eligible.
Your business should not already be running, and you should not have taken a loan for it at the time of registration.
People already benefiting from PMEGP, PM SVANidhi or Mudra Yojana are not eligible for this scheme.
What is the scheme, and why was it started?
PM Vishwakarma was launched on 17 September 2023 by the Ministry of Micro, Small and Medium Enterprises.
It aims to give end-to-end support to artisans who work with their hands and tools.
The plan is to support more than 3 million families, with a budget of about Rs 13,000 crore from 2023-24 to 2027-28.
Millions of applications have been received, and the government verifies each one before registration is complete.
What documents should you keep ready?
Keep your Aadhaar card and PAN card ready.
Keep your income certificate, caste certificate and residence certificate.
Keep an identity card, a passport-size photo, your bank passbook and a mobile number.
How do you apply online, step by step?
Go to pmvishwakarma.gov.in and click the Apply button on the home page.
Enter your Aadhaar and mobile number, and complete the verification.
Fill in your personal, caste, occupation and bank details.
Upload the documents, check everything, and submit the form. Save the application number.
Can you apply without going online?
Yes, you can visit a Common Service Centre near you. The operator can help you fill the form and upload documents.
There is no fee for applying, whether online or at a CSC. Be careful of anyone asking for money.
How do you check status, and what if something is stuck?
Use the status option on pmvishwakarma.gov.in with your application number or registration details.
If your registration or loan is delayed, check your documents and bank details first, then contact the helpline or your local CSC.
What should you watch out for?
Never pay an agent to get your registration. The application is free on the official site and at CSCs.
Use only official websites that end in gov.in, and never share your OTP with anyone.
Frequently asked questions
Is there any fee to apply?
No. Applying is free, both online on the official website and at a Common Service Centre.
Can both husband and wife get the benefit?
No. Only one member of a family can register and receive the benefits.
Do I need collateral for the loan?
No. The business development loan is collateral-free, with an interest rate of 5 percent.
Is there a last date to apply?
The scheme runs till 2027-28. Check the official website for the latest timelines.
Official links
This guide is based on official scheme rules. Rules and amounts can change, so always confirm on the official website before you apply. News Anek is not a government website.
