Ministry of MSME
PM Vishwakarma Yojana 2026 – Loans & Training for Traditional Artisans
Objective
PM Vishwakarma Yojana strengthens India's 18 traditional craft trades — blacksmiths, carpenters, goldsmiths, potters, weavers, cobblers, and more — by providing them skill upgradation, modern tools, easier credit access, and market linkage support.
Eligibility Criteria
- Artisans and craftspeople working in any of the 18 designated traditional trades
- Must be 18 years of age or older
- Self-employed in the trade — not in salaried employment
- The trade must be practiced by hand using traditional tools
- 18 eligible trades: Carpenter, Boat Maker, Armorer, Blacksmith, Hammer & Tool Kit Maker, Locksmith, Goldsmith, Potter, Sculptor, Cobbler/Footwear Artisan, Mason, Basket/Mat/Broom Maker, Doll & Toy Maker, Barber, Garland Maker, Washerman, Tailor, Fishing Net Maker
Benefits & Features
- 1PM Vishwakarma Certificate and ID card for official recognition
- 2Skill training: 5–7 days basic training + 15 days advanced training
- 3₹500 per day stipend during skill training
- 4₹15,000 toolkit incentive (voucher to buy tools of your trade)
- 5Collateral-free business loan: ₹1 lakh (first tranche) at just 5% interest
- 6Second loan tranche of up to ₹2 lakh after timely repayment
- 7Support for digital payments and onboarding to GeM and e-commerce platforms
Required Documents
- Aadhaar card (biometric verification mandatory at CSC)
- Mobile number linked to Aadhaar
- Bank account details
- Ration card or family identity document
- Proof of trade (self-declaration or local authority certificate)
How to Apply
Frequently Asked Questions
| Which 18 trades are covered under PM Vishwakarma? | Carpenter, Boat Maker, Armorer, Blacksmith, Hammer & Tool Kit Maker, Locksmith, Goldsmith, Potter, Sculptor, Cobbler, Mason, Basket/Mat/Broom Maker, Doll & Toy Maker, Barber, Garland Maker, Washerman, Tailor, and Fishing Net Maker. |
| Can I apply for PM Vishwakarma online without going to a CSC? | No. Registration requires biometric Aadhaar verification, which can only be done at a Common Service Centre (CSC). Online self-registration is not available. |
| What is the interest rate on the PM Vishwakarma loan? | The loan is given at a subsidised interest rate of just 5% per annum — the government bears the difference between the market rate and 5%. |
Official Portal & Helpline
1What Is PM Vishwakarma Yojana?
India's traditional craftspeople — the carpenter who builds your furniture, the cobbler who repairs your shoes, the blacksmith who shapes metal — have been working with the same hand tools and financial struggles for generations. PM Vishwakarma Yojana is a ₹13,000 crore government programme designed to change that.
Launched on Vishwakarma Jayanti (September 17, 2023), the scheme is active until 2027-28 and covers 18 traditional trades. It gives artisans official recognition, free skill training, ₹15,000 worth of modern tools, and collateral-free loans at just 5% interest.
2What You Get — The Full Package
The scheme works in four stages:
Stage 1: Recognition
- PM Vishwakarma Certificate + ID Card
- Listed on the official beneficiary database
Stage 2: Skill Training
- 5–7 days basic training near your home
- ₹500/day stipend during training
- Advanced 15-day training at a nearby institution
- ₹500/day stipend continues during advanced training
Stage 3: Toolkit Voucher
- ₹15,000 toolkit assistance
- You choose tools relevant to your trade from the approved list
- Voucher redeemed at empanelled tool suppliers
Stage 4: Credit Support
- ₹1 lakh collateral-free loan at 5% interest
- Repay on time → eligible for a second loan of up to ₹2 lakh
- No guarantor required, no property to mortgage
3The 18 Eligible Trades
Carpenter · Boat Maker · Armorer · Blacksmith · Hammer & Tool Kit Maker · Locksmith · Goldsmith · Potter · Sculptor · Cobbler/Footwear Artisan · Mason · Basket/Mat/Broom Maker · Doll & Toy Maker · Barber · Garland Maker · Washerman · Tailor · Fishing Net Maker
If your trade is not on this list, you currently do not qualify — but check pmvishwakarma.gov.in for any 2026 updates.
4How to Register — Visit Your Nearest CSC
You cannot register online yourself. Registration requires biometric Aadhaar verification and must be done at a Common Service Centre (CSC).
- Find your nearest CSC: locator.csccloud.in
- Go in person with your Aadhaar card
- CSC operator scans your biometrics and registers you
- Your application is sent to the Gram Panchayat (village) or Urban Local Body (city) for verification
- After verification, you receive your PM Vishwakarma Certificate
5Loan: How ₹5 Crore Crore Artisans Got Credit Access
The scheme's most impactful feature is the MUDRA-backed collateral-free loan at 5% interest. Before PM Vishwakarma, most artisans borrowed from local moneylenders at 24–36% interest. Now, the government bears the interest difference — artisans pay only 5%.
The ₹1 lakh first tranche is adequate to buy better raw materials, modernise tools, or hire an apprentice. Second tranche (₹2 lakh) becomes available after you repay on time.
6Market Access — Selling Your Products Online
Beyond training and credit, PM Vishwakarma also connects artisans to:
- GeM (Government e-Marketplace) — sell to government buyers
- ONDC (Open Network for Digital Commerce) — reach millions of online customers
- Digital payment tools — UPI QR codes provided free
This market linkage is what sets PM Vishwakarma apart from earlier artisan schemes.