PM Vishwakarma Yojana: Who Is Eligible, What You Get and How to Apply

October 29, 2026 Swarojgar

What is PM Vishwakarma Yojana?

PM Vishwakarma was launched in September 2023 by the Ministry of MSME to support artisans who work with their hands and tools, often in family-based trades. The scheme has a total outlay of ₹13,000 crore for 2023-24 to 2027-28.

The idea is simple: give artisans formal recognition, better skills and modern tools, cheap credit to grow, and access to digital payments and markets.

The 18 trades covered

Carpenter (Suthar)
Boat maker
Armourer
Blacksmith (Lohar)
Hammer and tool kit maker
Locksmith
Goldsmith (Sonar)
Potter (Kumhaar)
Sculptor, stone carver, stone breaker
Cobbler, shoesmith, footwear artisan
Mason (Rajmistri)
Basket, mat and broom maker, coir weaver
Doll and toy maker (traditional)
Barber (Naai)
Garland maker (Malakaar)
Washerman (Dhobi)
Tailor (Darzi)
Fishing net maker

Benefits at a glance

Benefit	What you get
Recognition	PM Vishwakarma certificate and ID card
Basic skill training	About 5–7 days of training with a stipend of ₹500 per day
Advanced training	15 days or more, also with a ₹500 daily stipend
Toolkit incentive	Up to ₹15,000 through e-vouchers for buying modern tools
Credit, first tranche	Collateral-free loan up to ₹1 lakh, repayable over 18 months
Credit, second tranche	Up to ₹2 lakh, repayable over 30 months, for those who repaid the first loan and use digital payments or completed advanced training
Interest	Concessional rate of 5%. The government covers the rest (up to 8%) as interest subvention and pays the credit guarantee fee.
Digital incentive	₹1 per digital transaction, for up to 100 transactions a month
Marketing support	Help with quality certification, branding, e-commerce (including GeM) and trade fairs

Who is eligible?

An artisan or craftsperson working with hands and tools in one of the 18 trades, on a self-employed basis, in the unorganised sector
Minimum age of 18 years on the date of registration
Engaged in the trade on the date of registration
Has not taken a loan under similar credit-based schemes for self-employment or business development in the past five years, such as PMEGP, PM SVANidhi or Mudra. Those who have fully repaid Mudra or PM SVANidhi loans are an exception.
Only one member of a family can register. A family means husband, wife and unmarried children.
People in government service, and their family members, aren’t eligible.

How to apply for PM Vishwakarma

Visit your nearest Common Service Centre (CSC) with your Aadhaar, mobile number and bank details. Registration is done through the official portal, pmvishwakarma.gov.in.
Aadhaar and mobile verification: the CSC operator verifies you through Aadhaar authentication.
Fill in the registration form with your trade, family details, bank account and other information.
Three-stage verification:
1. First by the Gram Panchayat head (rural) or the urban local body (urban)
1. Then by the District Implementation Committee
1. Finally by the Screening Committee
Get your certificate and ID card after approval, and then the training schedule.
Training and toolkit: complete basic training to receive the stipend and toolkit e-voucher.
Loan: after training, you can apply for the first loan tranche through participating banks.

Documents commonly needed: Aadhaar card, mobile number linked to Aadhaar, bank account details, ration card (to establish family details), and caste certificate where applicable.

Tips to get the most from the scheme

Use the toolkit wisely. Buy tools that improve speed or quality, such as an electric potter’s wheel or a better sewing machine.
Start digital payments early. UPI receipts earn you the digital incentive and create a record that helps with the second loan.
Plan the loan. Use it for working capital or equipment that raises income, not for personal spending, so repayment stays easy.
List your products online. Once you have the certificate, explore selling through GeM, ONDC or social media.

Frequently asked questions

How much loan can I get under PM Vishwakarma?

Up to ₹3 lakh in total: ₹1 lakh in the first tranche and ₹2 lakh in the second, at a concessional 5% interest and without collateral.

Is there any fee to register?

Registration at the CSC under the scheme is free for the beneficiary. Don’t pay middlemen.

Can women apply for PM Vishwakarma?

Yes. Women artisans in any of the 18 trades can apply if they meet the eligibility conditions.

I took a Mudra loan earlier. Can I apply?

If you have fully repaid your Mudra or PM SVANidhi loan, you can apply. If you took a similar loan in the last five years and haven’t repaid, you aren’t eligible.

Do I get money during training?

Yes. You get a stipend of ₹500 per day during basic and advanced training.

What is the toolkit incentive?

Up to ₹15,000 as an e-voucher to buy modern tools for your trade.