Ministry of MSME
PM Vishwakarma Yojana 2026: Loans & Training for Traditional
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 to 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
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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 to 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 to 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.