PM Vishwakarma
Recognition, training with a ₹500/day stipend, a ₹15,000 toolkit incentive and loans up to ₹3 lakh at 5% for artisans in 18 traditional trades.
Key facts
| Toolkit incentive | ₹15,000 (a grant, not a loan) |
|---|---|
| Training stipend | ₹500 per day during skill training |
| Loans | Collateral-free, up to ₹3 lakh at 5% (₹1 lakh then ₹2 lakh) |
| For | Artisans in 18 listed traditional trades, age 18+ |
| Official portal | pmvishwakarma.gov.in |
Benefits
Benefits stack across the journey: a PM Vishwakarma certificate and ID card; five to seven days of basic skill training with a ₹500-per-day stipend; a ₹15,000 e-voucher for a modern toolkit; and collateral-free enterprise loans — ₹1 lakh as a first tranche and ₹2 lakh as a second — at a concessional 5% interest rate. Incentives for digital transactions and marketing support come on top.
Who can apply
- Age 18+
- For: artisan
- works in listed traditional trade
- no family member in government service
Open to artisans and craftspeople aged 18 or above who work with their hands in one of 18 listed traditional trades — carpenters, blacksmiths, potters, cobblers, tailors, goldsmiths, masons, basket and mat weavers, barbers, washermen and more — in a self-employed capacity. Three conditions apply: only one member per family can enrol, no family member should be in government service, and you must not have taken a loan under PMEGP, PM SVANidhi or Mudra in the last five years.
Who is not eligible
- Anyone whose family member is in government service
- Trades outside the 18 notified traditional trades
How to apply
Enrol at pmvishwakarma.gov.in or through a Common Service Centre with Aadhaar, mobile number, bank details and ration card. Registration passes a three-level verification — gram panchayat or ULB, district committee, and screening committee — before the ID is issued and training slots are allotted.
- Enrol at pmvishwakarma.gov.in or a CSC with your Aadhaar, mobile, bank details and ration card.
- Your registration passes a three-level check — gram panchayat / ULB, district committee, then screening committee.
- Once your Vishwakarma ID and certificate are issued, attend basic skill training (₹500/day stipend).
- Claim the ₹15,000 toolkit incentive.
- Apply for the collateral-free loan — first ₹1 lakh, then ₹2 lakh on repayment — at 5% interest.
Documents required
- Aadhaar card
- Mobile number
- Bank account details
- Ration card
Common problems and how to fix them
| Problem | What to do |
|---|---|
| Your trade is not listed | Only the 18 notified traditional trades qualify (carpenter, blacksmith, potter, tailor, cobbler and similar). Check the list on the portal. |
| Verification is stuck | Follow up with your gram panchayat or ULB, which does the first-level verification. |
| Toolkit incentive not received | Complete eKYC and make sure your Aadhaar-seeded bank account is active. |
Contact information
- Toll-free18002677777
- Emailchampions@gov.in
Frequently asked questions
Do I have to repay the toolkit money?
No — the ₹15,000 toolkit incentive is a grant, not a loan.
What do the loans cost?
A concessional 5% interest, collateral-free, in two steps (₹1 lakh, then ₹2 lakh).
Key terms explained
- Aadhaar
- A 12-digit unique identity number issued by UIDAI. Most schemes use it to confirm identity and link your bank account for payments.
- CSC (Common Service Centre)
- A government-authorised local kiosk where citizens can apply online for schemes and services, often for a small fee.
- Gram Panchayat
- The elected local self-government at the village level, often the first point of verification or application for rural schemes.
- ULB (Urban Local Body)
- A municipal authority (municipality or corporation) that administers an urban area and verifies applicants for many urban schemes.
- Collateral-free loan
- A loan you can take without pledging any asset (land, gold, etc.) as security.
Always confirm the latest details on the official portal before applying.
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