PM Vishwakarma Yojana is a central government scheme launched to support India's traditional artisans and craftspeople — the carpenters, blacksmiths, potters, tailors, cobblers, goldsmiths, and 16 other trades that keep local economies running. If you work with your hands to make or repair things for a living, this scheme gives you recognition as a 'Vishwakarma', free skill training with a daily stipend, a toolkit incentive of up to ₹15,000, and collateral-free loans up to ₹3 lakh at just 5% interest. This guide walks you through exactly how to check eligibility and apply online in 2026.
What is PM Vishwakarma Yojana?
Launched by the Ministry of Micro, Small and Medium Enterprises (MSME) on 17 September 2023 and continuing through 2026 with fresh registration windows, the scheme covers 18 traditional trades. It is implemented jointly by the Ministry of MSME, Ministry of Housing and Urban Affairs, and Ministry of Skill Development, with a total outlay of ₹13,000 crore for five years (2023-24 to 2027-28).
Who is eligible
- ●You must be a self-employed artisan or craftsperson working with hands and tools in one of the 18 listed trades
- ●Minimum age 18 years at the time of registration
- ●You should be engaged in your trade on the date of registration (not a hobbyist)
- ●One member per family is eligible (family = self, spouse, and unmarried children)
- ●A government employee or someone who has availed a similar credit-based scheme like PMEGP or PM SVANidhi in the last 5 years is generally not eligible for the loan component
18 trades covered under the scheme
| Trade group 1 | Carpenter, Boat maker, Armourer, Blacksmith |
| Trade group 2 | Goldsmith, Potter, Sculptor/Stone carver, Cobbler/Shoemaker |
| Trade group 3 | Mason, Basket/Mat/Broom maker, Doll & toy maker (traditional) |
| Trade group 4 | Barber, Garland maker, Washerman (Dhobi), Tailor |
| Trade group 5 | Locksmith, Fishing net maker |
Key benefits at a glance
| PM Vishwakarma Certificate & ID Card | Official recognition as an artisan |
| Skill upgradation training | 5-7 days basic or 15+ days advanced, with ₹500/day stipend |
| Toolkit incentive | Up to ₹15,000 as e-voucher for modern tools |
| Collateral-free loan (1st tranche) | Up to ₹1 lakh at 5% interest, repayable in 18 months |
| Collateral-free loan (2nd tranche) | Up to ₹2 lakh at 5% interest, repayable in 30 months (after repaying 1st tranche) |
| Digital transaction incentive | ₹1 per digital transaction, up to 100 transactions/month |
| Marketing support | Support for branding, quality certification, and e-commerce onboarding on GeM and ONDC |
The government pays the 8% interest subvention directly to the bank, which is why you only pay 5% interest even though the actual lending rate is higher.
Documents required
- ●Aadhaar card (linked with mobile number for OTP verification)
- ●Ration card or family ID (where applicable, e.g. Kutumb ID in some states)
- ●Bank account passbook with IFSC code (account must be Aadhaar-seeded for DBT)
- ●Passport-size photograph
- ●Mobile number and email ID
Step-by-step: How to apply online
- 1Visit the official portal at https://pmvishwakarma.gov.in and click 'CSC Login' — registration under this scheme is done only through a Common Service Centre (CSC), not by self-registration
- 2Visit your nearest CSC (Common Service Centre) with your Aadhaar card, mobile phone, and bank passbook — locate one at https://locator.csccloud.in if you don't already use one
- 3The CSC operator (Village Level Entrepreneur or VLE) will log in using their own CSC-Vishwakarma credentials and select 'New Registration'
- 4Enter your Aadhaar number and complete biometric or OTP-based e-KYC verification
- 5Select your trade from the dropdown list of 18 trades and enter your work location, work experience, and family details
- 6Upload your bank account details for direct benefit transfer (DBT) linkage
- 7Review the auto-generated application summary and click 'Submit'
- 8Note down the Application Reference Number (a 15-digit acknowledgement number) printed on the CSC receipt
- 9Your application goes to the Village/Ward-level, then District-level, then Implementing Agency for verification — track status anytime by clicking 'Track Application' on the portal homepage using your reference number
- 10Once approved, download your PM Vishwakarma Digital ID Card and Certificate from the 'Download Certificate' section on the portal
You cannot apply directly through a mobile app or by yourself online — registration is mandatorily routed through a CSC operator. Beware of anyone charging more than the nominal CSC service fee (typically free or a very small nominal charge) to 'guarantee' approval; there is no separate government fee for this scheme.
How to apply for the loan after registration
- 1Complete skill verification and the basic/advanced training program assigned to you
- 2Log in to the portal via your CSC or visit your nearest bank branch with your PM Vishwakarma ID card
- 3Fill the loan application form (Form available under 'Credit Support' on the portal) specifying loan amount up to ₹1 lakh for the first tranche
- 4Submit the form along with your Vishwakarma certificate, Aadhaar, and bank documents at the branch
- 5The bank sanctions and disburses the loan; the government-backed guarantee removes the need for collateral
- 6After successful repayment of the first tranche, apply for the second tranche of up to ₹2 lakh through the same process
How to check your application status
- 1Go to https://pmvishwakarma.gov.in
- 2Click on 'Track Application Status' on the homepage
- 3Enter your Application Reference Number or registered mobile number
- 4Click 'Search' to view the current stage — Verification Pending, Approved, or Certificate Issued
Toolkit e-vouchers and loan amounts are credited directly to your Aadhaar-linked bank account under Direct Benefit Transfer (DBT) — there is no need to visit any office to collect cash or physical tools.
Helpline and support
For queries related to registration, training, or loan disbursal, contact the PM Vishwakarma helpline at 18002677777 (toll-free) or email support at pm-vishwakarma@gov.in. You can also visit your nearest CSC or District Industries Centre (DIC) for in-person assistance.
Common mistakes to avoid
- ●Registering under a trade you don't actively practice — verification teams may reject or later cancel benefits for false trade declaration
- ●Using a bank account not linked to Aadhaar, which delays or blocks DBT credit
- ●Skipping the mandatory skill training, which is a prerequisite before the toolkit incentive is released in many states
- ●Paying any 'agent' extra money beyond the standard CSC service charge for registration