PM Vishwakarma Yojana 2026
The PM Vishwakarma Yojana is a Central Government scheme launched by the Ministry of Micro, Small and Medium Enterprises (MSME) to support traditional artisans and craftspeople across India. The scheme provides financial assistance, skill training, modern tools, and market support to people working in traditional family-based trades.
The scheme aims to strengthen the livelihood of artisans and craftsmen working in the unorganized sector by offering benefits like collateral-free loans, skill development training, toolkit grants, and digital incentives.
The PM Vishwakarma Scheme will be implemented for five years until 2027–28.
PM Vishwakarma Yojana 2026 – Highlights
| Particulars | Details |
|---|---|
| Scheme Name | PM Vishwakarma Yojana |
| Launched By | Government of India |
| Ministry | Ministry of Micro, Small and Medium Enterprises (MSME) |
| Beneficiaries | Artisans & Craftspeople |
| Scheme Duration | Up to 2027–28 |
| Loan Amount | ₹1,00,000 to ₹2,00,000 |
| Toolkit Incentive | ₹15,000 |
| Training Stipend | ₹500 per day |
| Application Mode | Online through CSC |
| Official Website | pmvishwakarma.gov.in |
Objectives of PM Vishwakarma Scheme
The main objective of the scheme is to support artisans and traditional craftsmen by improving their skills, productivity, and income opportunities.
Key objectives include:
- Recognize artisans as “Vishwakarma” through official certificate and ID card
- Provide skill training and upgradation programs
- Offer modern toolkits and equipment support
- Provide collateral-free business loans
- Promote digital transactions and financial inclusion
- Provide branding, marketing, and e-commerce support
Implementing Agencies
The PM Vishwakarma Scheme is jointly implemented by:
- Ministry of MSME (MoMSME)
- Ministry of Skill Development and Entrepreneurship (MSDE)
- Department of Financial Services (DFS), Ministry of Finance
Benefits of PM Vishwakarma Yojana
1. Recognition
Beneficiaries will receive:
- PM Vishwakarma Certificate
- PM Vishwakarma ID Card
- Digital recognition as a registered artisan
2. Skill Training
Beneficiaries will receive skill training in two phases:
- Basic Training: 5–7 days (40 hours)
- Advanced Training: 15 days (120 hours)
Training Stipend: ₹500 per day
3. Toolkit Incentive
Registered beneficiaries will receive:
- ₹15,000 financial assistance to purchase modern tools and equipment.
4. Credit Support (Loan Facility)
The scheme provides collateral-free business loans:
| Loan Stage | Amount | Repayment Period |
|---|---|---|
| First Tranche | ₹1,00,000 | 18 Months |
| Second Tranche | ₹2,00,000 | 30 Months |
Interest Rate charged to beneficiaries: 5%
Government provides interest subsidy up to 8%.
5. Digital Transaction Incentive
Beneficiaries will receive:
- ₹1 per digital transaction
- Maximum 100 transactions per month
6. Marketing Support
The National Committee for Marketing (NCM) will support artisans through:
- Product branding and promotion
- Quality certification
- E-commerce platform linkage
- Participation in trade fairs and exhibitions
- Advertising and publicity
Eligibility Criteria
Applicants must fulfill the following conditions:
- Must be an artisan or craftsperson working with traditional tools
- Must work in the unorganized sector
- Must belong to one of the 18 traditional family-based trades
- Minimum age: 18 years
- Must be actively working in the relevant trade at the time of registration
- Only one member per family can apply
Ineligible Candidates
The following applicants are not eligible:
- Government employees
- Family members of government employees
- Applicants who have taken loans under schemes like:
- PMEGP
- PM SVANidhi
- Mudra Loan
in the last 5 years
Application Process
Applications can be submitted online through Common Service Centres (CSCs).
Step 1 – Registration
- Visit the official portal pmvishwakarma.gov.in
- Click on Login → CSC Register Artisans
- Complete Aadhaar verification using OTP
- Enter Aadhaar number and mobile number
- Continue with registration process
Step 2 – Application Form
- Visit the nearest CSC centre
- Complete biometric verification
- Fill the online application form
- Upload required documents
- Submit the application
- Save the Application Number for reference
Step 3 – Verification Process
Applications will go through three verification stages:
- Verification at Gram Panchayat / Urban Local Body level
- District Implementation Committee review
- Final approval by Screening Committee
Benefit Distribution
After approval, the beneficiary will receive:
- PM Vishwakarma Digital Certificate
- PM Vishwakarma ID Card
- Access to training, loan, toolkit and marketing benefits
Notifications about incentives and benefits will be sent via SMS.
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Required Documents
Applicants must provide the following documents during registration:
- Aadhaar Card
- Mobile Number
- Bank Account Details
- Ration Card
If a beneficiary does not have a ration card, they must provide Aadhaar details of all family members.
Important Links
| Description | Link |
|---|---|
| Apply Online | Click Here |
| Official Notification | Click Here |
| Official Website | Click Here |
FAQs – PM Vishwakarma Scheme
Q1. What is PM Vishwakarma Yojana?
PM Vishwakarma is a central government scheme to support artisans and craftsmen with training, financial assistance, loans and marketing support.
Q2. Who can apply for PM Vishwakarma Scheme?
Traditional artisans and craftspeople working in the unorganized sector can apply.
Q3. What is the loan amount provided under the PM Vishwakarma Yojana 2026?
Beneficiaries can receive loans of ₹1 lakh (first stage) and ₹2 lakh (second stage).
Q4. What is the toolkit assistance amount?
Eligible beneficiaries receive ₹15,000 toolkit incentive.
Q5. What is the interest rate for the loan?
The loan is provided at 5% interest with government subsidy support.
Q6. How much stipend is provided during training?
Beneficiaries receive ₹500 per day during training.
Q7. Where can applicants apply for PM Vishwakarma Scheme?
Applications can be submitted through nearest CSC centers or the official portal pmvishwakarma.gov.in.
Disclaimer
The information provided above is for informational purposes only. Applicants should verify complete details from the official website before applying.
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