PM Vishwakarma
PM Vishwakarma Scheme guide: Discover benefits, eligible 18 traditional trades, skill training stipends, ₹15,000 toolkit vouchers & collateral-free 5% loans.
About this Service
PM Vishwakarma is a government scheme launched in September 2023 that provides traditional artisans with official recognition, skill training, and a ₹15,000 toolkit voucher. It also offers collateral-free loans up to ₹3 Lakh at a 5% interest rate to help informal craftspeople scale their businesses.
Key Benefits
- Formal recognition as a “Vishwakarma” through a certificate and a digital/physical ID card carrying a unique number.
- Basic skill training (5–7 days) and optional advanced training (15+ days), both with a stipend of ₹500 per day.
- Toolkit incentive of up to ₹15,000 (as an e-voucher) to procure improved, trade-specific tools after skill assessment.
- Collateral-free “Enterprise Development Loans” of up to ₹3 lakh in two tranches, at a concessional 5% p.a. interest rate, with the Government of India providing interest subvention of up to 8% to the lending bank.
- Incentive of ₹1 per digital transaction to encourage the adoption of digital payments.
- Marketing support, including access to e-commerce platforms, participation in trade fairs, and branding/quality-certification assistance.
Benefit Amounts at a Glance
Eligibility Criteria
Eligibility Criteria
- Must be an artisan or craftsperson working with hands and tools.
- Must be engaged in one of the 18 designated family-based traditional trades (see list below).
- Must be working on a self-employed basis in the unorganized sector, not in salaried employment.
- Minimum age of 18 years on the date of registration.
- Should not have availed loans under similar credit-linked government self-employment schemes (such as PMEGP, Mudra, or PM SVANidhi) in the preceding five years, beneficiaries of Mudra or PM SVANidhi who have fully repaid their loan remain eligible.
- Registration and benefits are restricted to one member per family. For this purpose, “family” means husband, wife, and unmarried children.
- Persons in government service and their family members are not eligible.
Eligible Applicants
PM Vishwakarma is designed for individual artisans and craftspeople, not registered companies or partnerships. It is available to individual self-employed artisans/craftspeople practicing one of the 18 trades, with one registration allowed per family.
Ineligible Applicants / Situations
- Persons in regular government service and their family members.
- Applicants who have already availed credit under PMEGP, Mudra or PM SVANidhi in the last five years (unless the loan has been fully repaid, for Mudra/PM SVANidhi).
- A second member of the same family applying after one member has already registered and availed benefits.
- Applicants below 18 years of age on the date of registration.
- Individuals not engaged in one of the 18 listed trades or engaged only in salaried/organized-sector employment.
Documents Required
Documents Required
Mandatory Documents
- Aadhaar card (linked to a mobile number, for OTP/biometric verification)
- Aadhaar-linked bank account details
- Proof of trade/occupation
- Mobile number for OTP verification
- Passport-size photograph
Conditional Documents
- Ration card / family ID, where requested for family verification
- Caste certificate, where the applicant wishes to record category details
- Additional documents requested by the Gram Panchayat/ULB or District Implementation Committee during verification
How to Apply
- Visit the official PM Vishwakarma portal (pmvishwakarma.gov.in) or the nearest Common Service Centre (CSC).
- Answer the preliminary eligibility questions.
- Complete Aadhaar-based registration using the Aadhaar number and Aadhaar-linked mobile number (OTP verification).
- Complete biometric authentication at the CSC.
- Fill in personal, trade and bank account details in the online application form.
- Upload the required documents.
- Submit the application and note the application number for tracking.
- The application passes through a three-stage verification: Gram Panchayat/Urban Local Body → District Implementation Committee → State-level Screening Committee.
- On approval, the applicant receives the PM Vishwakarma Certificate and ID Card.
- The beneficiary then undergoes skill assessment and basic training, after which the toolkit incentive and first loan tranche become accessible.
Official Portal
pmvishwakarma.gov.in for both scheme information and application (CSC Login → “CSC Register Artisans”), or apply in person at any common service center.
Application Fees
Registration on the PM Vishwakarma portal itself carries no government fee. Common Service Centres may charge a nominal service/facilitation charge for assisted registration; applicants should confirm the applicable CSC charge locally, as this is not a scheme-mandated fee.
Processing Time
Processing time may vary depending on the implementing authority, verification, lender/agency review, and application volume. Verification runs through three levels (Gram Panchayat/ULB, district, and state screening committee), so timelines differ by district and season.
Approval / Selection Process
- Application scrutiny and Aadhaar/biometric verification at the CSC.
- Eligibility and document verification at the Gram Panchayat or urban local body level.
- Review and recommendation by the District Implementation Committee.
- Final approval by the state-level screening committee.
- Issue of PM Vishwakarma Certificate and ID Card on approval.
- Skill assessment, followed by basic training and toolkit incentive disbursement.
- Loan sanction and disbursement by the partner bank, in two tranches, subject to training completion and repayment discipline.
Common Application Mistakes
- Aadhaar details or mobile number not matching current records, causing OTP/biometric failures.
- Applying under a trade that does not match the applicant's actual, verifiable occupation.
- A second family member applying when one member has already registered (only one registration per family is allowed).
- Not completing basic training before expecting the first loan tranche.
- Incomplete or mismatched bank account details, delaying incentive and loan disbursement.
- Applying despite having active, unpaid credit under PMEGP, Mudra, or PM SVANidhi within the restricted period.
Practical Application Checklist
- Confirm the trade falls within the 18 eligible trades
- Aadhaar linked to an active mobile number
- Bank account details ready and Aadhaar-linked
- No conflicting PMEGP/Mudra/PM SVANidhi loan active in the last 5 years
- Only one eligible family member identified to apply
- Nearest CSC location identified for biometric verification
Frequently Asked Questions
What is PM Vishwakarma?
PM Vishwakarma is a Government of India Central Sector Scheme that supports traditional artisans and craftspeople in 18 trades with recognition, skill training, a toolkit incentive, collateral-free loans up to ₹3 lakh, and marketing support.
Who is eligible for PM Vishwakarma?
Self-employed artisans and craftspeople aged 18 or above, working with hands and tools in one of the 18 designated trades in the unorganized sector, who have not availed similar credit-linked schemes in the past five years.
What is the maximum benefit under PM Vishwakarma?
Up to ₹3 lakh in collateral-free loans (in two tranches), a toolkit incentive of up to ₹15,000, and a training stipend of ₹500 per day, in addition to certification and marketing support.
Is an MSME eligible for PM Vishwakarma?
PM Vishwakarma is meant for individual artisans, not registered MSME entities. An eligible individual artisan can separately register as an MSME/Udyam later, once their trade formalises.
Can startups apply for PM Vishwakarma?
No. The scheme is restricted to individual artisans and craftspeople practising the 18 listed traditional trades, not startups or registered companies.
Can a new (first-time) artisan apply?
Yes, as long as the applicant meets the age, trade and eligibility conditions and no other member of the family has already registered under the scheme.
What documents are required?
Aadhaar card linked to a mobile number, Aadhaar-linked bank account details, proof of trade, a passport-size photograph, and any additional documents requested during local verification.
How do I apply for PM Vishwakarma?
Apply online through pmvishwakarma.gov.in or visit the nearest Common Service Centre for Aadhaar-based biometric registration and document submission.
Is PM Vishwakarma available across all states, including Rajasthan?
Yes, PM Vishwakarma is a pan-India central sector scheme and is available in every state and union territory, including Rajasthan, through local CSCs and implementation committees.
Is collateral required for the PM Vishwakarma loan?
No. The loans are collateral-free and backed by a Government of India credit guarantee.
Is PM Vishwakarma currently active?
Yes, the scheme is active and running for five years, from FY 2023-24 to FY 2027-28.
What is the official website for PM Vishwakarma?
The official portal is pmvishwakarma.gov.in.
Can an existing artisan (already working for years) apply?
Yes, the scheme is open to both new and established artisans, as long as they meet the trade and eligibility conditions.
How long does approval take?
Processing time varies by district based on verification workload at the Gram Panchayat/ULB, District and State Screening Committee levels; there is no fixed guaranteed timeline.
Can PM Vishwakarma be combined with another government scheme?
Applicants who have already availed PMEGP, Mudra or PM SVANidhi credit within the last five years are generally not eligible to combine those with PM Vishwakarma, except where the Mudra/PM SVANidhi loan is fully repaid. Other non-credit-linked support, such as Udyam registration, can generally be pursued separately.
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