Ministry of Micro, Small and Medium Enterprises
PM Vishwakarma Yojana
₹15,000 toolkit grant + Vishwakarma Certificate + skill training with ₹500/day stipend + collateral-free loan up to ₹3 lakh at 5% concessional rate
One-time toolkit grant ₹15,000 · Loan in 2 tranches ₹1L + ₹2L
PM Vishwakarma Yojana was launched on 17 September 2023 by the Ministry of MSME to support traditional artisans and craftspeople from 18 hereditary trade families. The scheme provides recognition as a Vishwakarma, skill training with a daily stipend of ₹500, a one-time toolkit grant of ₹15,000 for modern tools, and collateral-free enterprise loans of up to ₹3 lakh at just 5% concessional interest. Over 30 lakh artisans have been enrolled since launch.
Am I Eligible?
Quick check — answer 3 questions
Is your age between 18 and 100 years?
Is your annual family income under ₹1 Cr?
Do you live in India?
Benefit Details
₹15,000 toolkit grant + Vishwakarma Certificate + skill training with ₹500/day stipend + collateral-free loan up to ₹3 lakh at 5% concessional rate
Provided by Central Government
One-time toolkit grant ₹15,000 · Loan in 2 tranches ₹1L + ₹2L
Eligibility Criteria
Artisans engaged in one of the 18 traditional hereditary trades (carpenter, boat-maker, armourer, blacksmith, hammer and tool-kit maker, locksmith, goldsmith, potter, sculptor, cobbler, mason, basket/mat/broom maker, doll/toy maker, barber, garland maker, washerman, tailor, fishing net maker); must be 18+ years; the trade must be practiced through family heredity; family must not have availed PMEGP, PM SVANidhi, or MUDRA in the last 5 years
18 to 100 years
Up to ₹1 Cr / year
Rural & Urban (Both)
Required Documents
💡 Tip: Keep original documents and 2 photocopies ready. Self-attest all photocopies.
How to Apply
Verify Your Trade Eligibility
onlineCheck if your trade is among the 18 eligible hereditary trades at pmvishwakarma.gov.in. You must be practicing the trade as a family occupation — primary livelihood, not a side activity.
Register via CSC
offlineVisit your nearest Common Service Centre (CSC). Bring Aadhaar, mobile number, and bank passbook. The CSC operator will complete your mobile verification, eKYC, and fill the Artisan Registration Form on your behalf.
Gram Sabha Verification
offlineAfter CSC registration, the Gram Sabha or Ward Committee will verify your trade and family background. A recommendation letter is issued before you can proceed to next steps.
Skill Training & Toolkit Grant
offlineAfter verification and issue of Vishwakarma Certificate, you attend a 5–7 day skill training at a nearby training centre. After completing training, ₹15,000 toolkit grant is transferred directly to your bank via DBT.
Apply for Concessional Loan
online / offlineAfter toolkit grant, apply for collateral-free Vishwakarma enterprise loan: ₹1 lakh (1st tranche) at 5% concessional rate for 18 months. On repayment, you get a 2nd tranche of ₹2 lakh. Apply through the bank linked in your CSC registration.
Frequently Asked Questions
Quick Summary
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⚠️ Disclaimer: Information is compiled from official government sources for guidance purposes. Eligibility and benefits may vary. Always verify with the official portal or nearest government office before applying.
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