Artisans and craftspeople who are engaged in the 18 trades as mentioned in the Guidelines are eligible.

Carpenter (Suthar), Boat Maker, Armourer, Blacksmith (Lohar), Hammer and Tool Kit Maker, Locksmith, Goldsmith (Sunar), Potter (Kumhaar), Sculptor (Moortikar)/ stone carver / Stone breaker, Cobbler (Charmkar)/ Shoesmith/ Footwear artisan, Mason (Raajmistri), Basket Maker/ Basket Waver: Mat maker/ Coir Weaver/ Broom maker, Doll & Toy Maker (Traditional), Barber (Naai), Garland Maker (Malakaar), Washerman (Dhobi), Tailor (Darzi) and Fishing Net Maker.

The key components of PM Vishwakarma Scheme are:

• Recognition: PM Vishwakarma Certificate and ID Card
• Skill Upgradation
• Toolkit Incentive
• Credit Support
• Incentive for Digital Transactions
• Marketing Support

• An artisan or craftsperson working with hands and tools and engaged in one of the above family-based traditional trades, in unorganized sector on self-employment basis, shall be eligible for registration under PM Vishwakarma.
• The minimum age of the beneficiary should be 18 years on the date of registration.
• The beneficiary should be engaged in the trade concerned on the date of registration and should not have availed loans under similar credit-based schemes of Central Government or State Government for self-employment/ business development, e.g. PMEGP, PM SVANidhi, Mudra, in the past 5 years.
• The registration and benefits under the Scheme shall be restricted to one member of the family. For availing benefits under the Scheme, a ‘family’ is defined as consisting of the husband, wife and unmarried children.
• A person in government service and their family members shall not be eligible under the Scheme.

Any individual willing to avail the benefits of the Scheme, may register on the portal www.pmvishwakarma.gov.in.

The following is the list of documents or information to be provided by the beneficiaries:

• (i) Required documents or information: The beneficiaries need to produce documents like Aadhaar, mobile number, bank details, ration card mandatorily for the registration.
  (a) In case of a beneficiary not having a ration card, they would be required to produce Aadhaar cards of all family members (Para 4 of the guidelines on Eligibility may be referred to for definition of family).
  (b) If beneficiary does not have bank account, they will be first required to open a bank account for which handholding shall be done by the CSC.

Additional documents or information: The beneficiaries may be required to provide additional documents or information as per the requirements prescribed by the MoMSME.

Scheduled Commercial Banks, Regional Rural Banks, Small Finance Banks, Cooperative Banks, Non-Banking Finance Companies and Micro Finance Institutions are eligible to lend under this Scheme.

The initial collateral free ‘Enterprise Development Loan’ is up to Rs 1,00,000 for a tenure of 18 months.

The second Loan Tranche of upto Rs. 2,00,000/- will be available to skilled beneficiaries who maintain a standard loan account and have adopted digital transactions in their business or have undergone Advanced Skill Training.

No collateral security is required.

Concessional rate of interest chargeable from beneficiaries for loans will be fixed at 5%. The interest subvention by the Government of India will be to an extent of 8% and provided upfront to the banks.

Yes, the loans are eligible for guarantee coverage under the Scheme and the beneficiary is not required to pay any guarantee fee for the loans.

No prepayment penalty shall be charged from artisans and craftspeople after 6 months of loan disbursement.

The skilling intervention under PM Vishwakarma is aimed at enhancing the capabilities of traditional artisans and craftspeople, who have been working with hands or traditional tools for generations. This intervention consists of three components: Skill Verification, Basic Skilling and Advanced Skilling.

Rs 500 per day

No, a toolkit incentive of upto Rs. 15,000 will be provided to the beneficiary after Skill Verification at the start of Basic Training.

An amount of Re. 1 per eligible digital transaction (upto a maximum of 100 eligible transaction) monthly will be credited to the beneficiary’s bank account in DBT mode through Aadhaar Enabled Payment System.

Marketing Support in the form of quality certification, branding, advertising,publicity and other marketing activities would be extended to the beneficiaries to improve their linkage to value chain of MSMEs and established companies.

You can visit your nearest Common Service Centres, MSME-Development and Facilitation Offices (MSME-DFO) or District Industry Centres (DIC), and for resolving queries regarding the scheme. Also, you may write on pm-vishwakarma@dcmsme.gov.in

No, neither a government employee, nor anyone in his family can apply for PM Vishwakarma

A family is defined as husband, wife and their unmarried children (minimum 18 years of age)

Only one member from a family can apply for PM Vishwakarma.

A person who has availed PMEGP loan cannot apply for PM Vishwakarma. A person having outstanding PM SVanidhi or Mudra loan also can’t apply. However, those who have repaid PM SVanidhi or Mudra loans can apply for PM Vishwakarma.

Yes but only upon repayment of the loan taken under PM Vishwakarma, a person can avail PMEGP. It is the endeavour of the PM Vishwakarma to not only support our traditional artisans and craftspeople but also enable them to become employment generators utilising the PMEGP.

If your Aadhaar card states "Jammu & Kashmir" as your address, but you are resident of Ladakh and wish to enroll on the PM Vishwakarma website through CSC, it's essential to take the following steps: Update Aadhaar Address: First, ensure that your Aadhaar card reflects your correct address in Ladakh. To do this, visit your nearest Aadhaar Centre or CSC Centre and update your address to "Ladakh." Application Form Submission: After successfully updating your Aadhaar address to "Ladakh," you can proceed to fill out the PM Vishwakarma application form on the PM Vishwakarma website through CSC. By following this process, you ensure that your State and District in the Aadhaar Address align with your actual location in Ladakh, which will streamline the enrollment process.