What is PM Vishwakarma?
PM Vishwakarma Yojana is a central government scheme launched on 17 September 2023 that supports traditional artisans and craftspeople across 18 trades with free skill training (₹500/day stipend), a ₹15,000 toolkit e-voucher, and collateral-free loans up to ₹3 lakh at just 5% interest. Implemented by the Ministry of MSME with a ₹13,000 crore budget over 5 years (FY2023-24 to FY2027-28). Registration is done FREE at Common Service Centres (CSC) using Aadhaar biometric authentication.
PM Vishwakarma — Quick Overview
| Scheme Name | PM Vishwakarma Yojana 2026 — ₹3 Lakh Loan + ₹15,000 Toolkit for 18 Trades |
| Launched By | Government of India |
| Launch Year | 2023 |
| Benefit | ₹15,000 toolkit + Free skill training (₹500/day) + ₹1L loan (1st tranche) + ₹2L loan (2nd tranche) = ₹3L total at 5% interest |
| Category | Employment |
| Last Verified | 21 June 2026 |
| Official Portal | https://pmvishwakarma.gov.in |
पीएम विश्वकर्मा योजना 17 सितंबर 2023 को विश्वकर्मा जयंती पर लॉन्च की गई केंद्र सरकार की प्रमुख योजना है। 18 पारंपरिक व्यवसायों के कारीगरों और शिल्पकारों को: मुफ्त कौशल प्रशिक्षण (₹500/दिन स्टाइपेंड), ₹15,000 टूलकिट ई-वाउचर, और 5% ब्याज पर ₹3 लाख तक का कोलैटरल-फ्री लोन मिलता है। MSME मंत्रालय द्वारा ₹13,000 करोड़ बजट से संचालित। CSC केंद्र पर आधार बायोमेट्रिक से मुफ्त रजिस्ट्रेशन।
₹15,000 टूलकिट + मुफ्त प्रशिक्षण (₹500/दिन) + ₹1 लाख (1st लोन) + ₹2 लाख (2nd लोन) = कुल ₹3 लाख 5% ब्याज पर
Benefits of PM Vishwakarma
₹15,000 toolkit + Free skill training (₹500/day) + ₹1L loan (1st tranche) + ₹2L loan (2nd tranche) = ₹3L total at 5% interest
Who is Eligible for PM Vishwakarma?
- ✓Traditional artisan or craftsperson working with hands and tools in one of 18 trades
- ✓Must be self-employed (unorganized sector) — NOT salaried
- ✓Age 18 years or above on date of registration
- ✓Only ONE member per family is eligible
- ✓Must NOT be a government employee or government pensioner
- ✓Must NOT have availed PMEGP, PM Mudra, or similar central/state self-employment loan in last 5 years
- ✓Must NOT be enrolled in PM Kaushal Vikas Yojana (PMKVY) or any similar central skill scheme simultaneously
Documents Required for PM Vishwakarma
How to Apply for PM Vishwakarma Online?
- 1अपने नजदीकी Common Service Centre (CSC) पर जाएं — pmvishwakarma.gov.in पर CSC Locator से पता करें
- 2Aadhaar Card और Aadhaar-linked mobile number साथ ले जाएं
- 3CSC operator Aadhaar biometric authentication करेगा — यह FREE है, कोई शुल्क नहीं
- 4अपना trade/craft चुनें (18 trades में से एक) और personal details भरें
- 5Bank account details और trade experience की जानकारी दें
- 6सफल registration पर PM Vishwakarma Certificate और ID Card मिलेगा
- 7Basic Skill Training के बाद ₹15,000 toolkit e-voucher और ₹1 लाख का 1st loan मिलेगा
- 8Advanced Training + 1st loan repayment के बाद ₹2 लाख का 2nd loan मिलेगा
Official Government Portal
The single official window for this scheme is pmvishwakarma.gov.in. Filing is free, so steer clear of touts promising guaranteed selection.
🔗Apply on pmvishwakarma.gov.inApply Together — Scheme Bundles
These schemes complement PM Vishwakarma. Apply for all of them together to maximise your benefits.
Artisan & Small Business Bundle
Toolkit grant + business loan — most artisans miss PM Mudra
Real-Life Examples — Are You Eligible for PM Vishwakarma?
See which of these applicant profiles is closest to your case:
Suresh, a 35-year-old self-employed carpenter from a village, working with hand tools, with Aadhaar-linked mobile and bank account
Eligible — He is a traditional artisan in one of the 18 trades (carpenter), self-employed, above 18, with valid Aadhaar — qualifies for ₹15,000 toolkit + ₹3 lakh loan at 5%.
Lata, a 28-year-old self-employed tailor (darzi) in a small town, the only applicant from her family, never availed PMEGP or Mudra
Eligible — Tailor is among the 18 listed trades; she meets the one-member-per-family rule and has not taken a similar central self-employment loan in the last 5 years.
Ramesh, a 42-year-old potter (kumhar), self-employed, planning to register at his nearest CSC with Aadhaar biometric
Eligible — Potter is on the 18-trade list; CSC Aadhaar-biometric registration is the correct route and is free.
Vikram, a 45-year-old blacksmith but currently working as a salaried fitter at a government workshop
Not eligible — Government employees are explicitly NOT eligible; he is also salaried, not self-employed in the unorganized sector.
Anita, a 30-year-old beautician running a salon (not on the 18-trade list); her husband already registered under PM Vishwakarma as a barber
Not eligible — Beautician is not in the 18 traditional trades, and only ONE member per family is eligible — her husband has already registered.
Karthik, a 38-year-old cobbler who took a ₹2 lakh PM Mudra loan two years ago for the same trade
Not eligible — Applicants who availed PMEGP, PM Mudra or similar central/state self-employment loans in the last 5 years are excluded.
These scenarios are indicative; the official eligibility rules always take precedence.
Common Mistakes — Why PM Vishwakarma Applications Get Rejected
- ✗Trying to register directly online — PM Vishwakarma registration is OFFLINE at a CSC using Aadhaar biometric; there is no self-online signup.
- ✗Paying a CSC operator or middleman for registration — CSC registration is completely FREE; if anyone demands money, complain to pmvishwakarma.gov.in or helpline 18002677777.
- ✗Applying for a trade not on the 18-trade list (e.g., beautician, electrician, mobile repair) — only the 18 listed trades like carpenter, blacksmith, goldsmith, potter, tailor, mason, barber, cobbler, washerman etc. are eligible.
- ✗Multiple family members applying separately — only ONE member per family is eligible; duplicate applications get rejected.
- ✗Applying while still enrolled in PMKVY or after taking PMEGP/Mudra in the last 5 years — this is an explicit disqualifier and leads to rejection.
- ✗Expecting the ₹2 lakh second loan immediately — it is released only AFTER 1st loan repayment OR completing Advanced Training (15+ days); skipping the training stops the second tranche.
Insider Tips for PM Vishwakarma
- →Carry an Aadhaar-linked mobile number to the CSC — biometric authentication will fail without it, and you also need it to log in and check status on pmvishwakarma.gov.in.
- →Complete Basic Skill Training (5-7 days) first to unlock both the ₹15,000 toolkit e-voucher AND the ₹1 lakh first loan tranche — skipping training means no toolkit and no loan.
- →Use the ₹15,000 e-voucher only on registered vendors via the PM Vishwakarma portal — the eligible tool list is pre-approved per trade, so trying to buy unlisted items wastes the voucher.
- →Track the ₹500/day training stipend by logging in at pmvishwakarma.gov.in — it is paid via DBT into your Aadhaar-linked bank account, so verify your bank seeding before training starts.
- →Save the PM Vishwakarma Certificate and ID Card download after registration — it doubles as a credible business identity for vendor onboarding and is needed for the 2nd loan tranche application.