Central government scheme · Ministry of Micro, Small and Medium Enterprises

PM Vishwakarma

PM Vishwakarma is a central scheme run by the Ministry of Micro, Small and Medium Enterprises that provides support for traditional artisans and craftspeople in 18 trades, including skill training with a stipend, a toolkit grant, and cheap loans. It is for artisans and craftspeople aged 18 or above who work with hands and tools in one of 18 notified family-based trades and are self-employed in the unorganised sector, with limits on family members and previous loans. Beneficiaries get a certificate and ID card, basic and advanced training with a stipend of ₹500 a day, a toolkit incentive of up to ₹15,000, collateral-free loans of up to ₹3 lakh at 5% interest, digital payment incentives, and marketing support. To apply, submit applications through a Common Service Centre.

Written by AI from the official details below.

Who can apply for PM Vishwakarma

  • Artisans and craftspeople aged 18 or above who work with hands and tools in one of 18 notified family-based trades, self-employed in the unorganised sector.
  • Trades include carpenter, boat maker, metalsmith, goldsmith, potter, sculptor, cobbler, mason, basket or mat maker, doll maker, barber, garland maker, washerman, tailor and fishing net maker.
  • No loan under a similar government credit scheme for self-employment in the previous five years (fully repaid MUDRA and PM SVANidhi borrowers can apply).
  • Only one member per family (husband, wife and unmarried children). Government employees and their families are not eligible.

PM Vishwakarma benefits

  • PM Vishwakarma certificate and ID card.
  • Basic training (5 to 7 days) and advanced training (15 days or more) with a stipend of ₹500 a day.
  • Toolkit incentive of up to ₹15,000.
  • Collateral-free loans of up to ₹3 lakh at 5% interest: up to ₹1 lakh first (18 months), then up to ₹2 lakh (30 months).
  • ₹1 for each digital payment or receipt, up to 100 transactions a month.
  • Marketing support through trade fairs, GeM and e-commerce platforms.

How to apply for PM Vishwakarma

  1. Apply through a Common Service Centre (CSC); applications are taken only through CSCs.
  2. Your application is verified at the gram panchayat or urban local body, vetted by the district committee and approved by a screening committee.
  3. After basic training you become eligible for the first loan; the second loan needs repayment of the first plus digital transactions or advanced training.

Where it applies

Every state and union territory. See what else applies near you

Checked

Checked against the sources below on 16 October 2026. Rules change, so confirm on the official site before you apply.

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