PM Vishwakarma Yojana is a central government scheme launched on September 17, 2023, to support artisans and craftspeople in 18 traditional trades. It offers collateral-free loans up to ₹3 lakh at just 5% interest, a ₹15,000 toolkit grant, free skill training with ₹500/day stipend, and digital transaction incentives. Over 30 lakh artisans have already registered as of February 2026.
What Is PM Vishwakarma Yojana?
PM Vishwakarma Yojana — also called the Pradhan Mantri Vishwakarma Kaushal Samman scheme — was launched by Prime Minister Narendra Modi on his birthday, September 17, 2023. The scheme is run by the Ministry of Micro, Small and Medium Enterprises (MoMSME) and is designed to uplift traditional artisans and craftspeople who work with their hands and tools. It is one of the flagship programs listed among India's top 10 government schemes for 2026.
The core idea is simple: give India's backbone workers — potters, blacksmiths, tailors, carpenters, cobblers — a formal identity, financial support, and modern skills so they can compete in today's economy. As of February 2026, the scheme has seen over 2.72 crore enrolments and 30 lakh successful registrations, making it one of the government's most popular artisan welfare programs.
The official portal is pmvishwakarma.gov.in, managed directly by the Government of India.
PM Vishwakarma Yojana: Who Is Eligible?
The scheme targets artisans and craftspeople in the unorganized sector. Here is who can apply:
- Must be working with hands and tools in one of the 18 approved trades
- Must be 18 years or older on the date of registration
- Must be self-employed in the unorganized sector — not a salaried employee
- Should not have availed credit under PMEGP, PM SVANidhi, or Mudra in the last 5 years
- Only one member per family can avail benefits
- Government employees and their family members are NOT eligible. Unorganized sector workers should also explore the e-Shram Card 2026 — another scheme with overlapping benefits for informal workers
The term "family" here means husband, wife, and unmarried children living together.
The 18 Trades Covered Under PM Vishwakarma Scheme
The scheme covers exactly 18 traditional family-based trades. If your profession is listed below, you are eligible to apply:
| # | Trade Name | Local Name |
|---|---|---|
| 1 | Carpenter | Suthar / Badhai |
| 2 | Armourer | — |
| 3 | Boat Maker | — |
| 4 | Blacksmith | Lohar |
| 5 | Locksmith | — |
| 6 | Goldsmith | Sonar |
| 7 | Hammer and Tool Kit Maker | — |
| 8 | Sculptor / Stone Carver | Moortikar |
| 9 | Stone Breaker | — |
| 10 | Potter | Kumhaar |
| 11 | Cobbler / Footwear Artisan | Charmkar |
| 12 | Mason | Rajmistri |
| 13 | Doll & Toy Maker (Traditional) | — |
| 14 | Basket / Mat / Broom Maker / Coir Weaver | — |
| 15 | Barber | Naai |
| 16 | Washerman | Dhobi |
| 17 | Garland Maker | Malakaar |
| 18 | Fishing Net Maker | — |
Tailor (Darzi) is also a recognized trade under the scheme. Check the official portal for the latest updates to the trade list. If you are a cobbler, you may additionally qualify for the Karigar Pension Scheme 2026, which offers ₹8,000/month for award-winning artisans.
PM Vishwakarma Yojana Benefits — What You Get
The scheme is structured as a complete support package — not just a loan. Here is a breakdown of every benefit:
| Benefit | Details |
|---|---|
| PM Vishwakarma Certificate & ID Card | Official recognition as Vishwakarma — digital ID for all future benefits |
| Basic Skill Training | 5–7 days (40 hours) at a vocational training centre — mandatory before first loan |
| Advanced Skill Training | 15 days (120 hours) — optional, for deeper skill development |
| Training Stipend | ₹500 per day credited via DBT to Aadhaar-linked bank account |
| Toolkit Incentive | ₹15,000 grant to buy modern tools — no repayment needed |
| First Loan (Tranche 1) | ₹1 lakh collateral-free, 18-month repayment at 5% interest |
| Second Loan (Tranche 2) | ₹2 lakh after utilizing Tranche 1 + completing advanced training, 30-month repayment |
| Interest Subvention | Government pays 8% interest subsidy — you only pay 5% |
| Digital Transaction Incentive | ₹1 per digital transaction, up to 100 transactions per month (max ₹100/month) |
| Marketing Support | Help with market linkages, e-commerce, trade fairs — to sell products wider |
How to Apply for PM Vishwakarma Yojana Online
The application is free. You can register online at the official portal or visit your nearest Common Service Centre (CSC). Here is the step-by-step process:
- Visit the official portal: Go to pmvishwakarma.gov.in
- Mobile Verification: Enter your registered mobile number — linked to your Aadhaar
- Aadhaar e-KYC: Complete biometric or OTP-based Aadhaar authentication
- Fill Artisan Details: Select your trade, enter personal and business information
- Upload Documents: Aadhaar card, bank passbook, trade certificate (if available)
- Submit Application: Review all details and submit — you will get an application reference number
- Visit Nearest CSC: Your application is verified by the CSC operator or Village Level Entrepreneur (VLE)
- Receive PM Vishwakarma ID: After approval, you get your digital certificate and ID card
You can also visit a CSC directly and let the operator help with registration — especially useful if you don't have internet access at home.
Documents Required for PM Vishwakarma Registration
- Aadhaar card (mandatory for e-KYC)
- Mobile number linked to Aadhaar
- Bank account details (Aadhaar-linked for DBT)
- Ration card or proof of family details
- Trade-related documents (if available) — not mandatory
- Passport-size photograph
PM Vishwakarma Yojana 2026: Latest Stats and Updates
The scheme continues to show strong adoption numbers across India. Key figures as of early 2026:
- 2.72 crore enrolments on the portal
- 30 lakh successful registrations completed (as of February 13, 2026)
- Gujarat leads state-wise with 79,632 certified candidates
- Andhra Pradesh: 46,726 | Assam: 28,015 | Bihar: 3,800
- The scheme runs until 2027-28 with a total outlay of ₹13,000 crore
- Credit guarantee fees are fully borne by the Government of India — zero cost to borrowers
The government has not announced any major changes to the benefit structure for 2026. The same rates (5% interest, ₹15,000 toolkit, ₹500/day stipend) remain in effect. Artisans who also need a bank account to receive DBT payments can open a zero-balance account via the PM Jan Dhan Yojana. For a full picture of the government's support ecosystem, see PM Modi's 5 new government schemes in 2026.
Frequently Asked Questions
What is the maximum loan amount under PM Vishwakarma Yojana?
You can get up to ₹3 lakh in total — ₹1 lakh in the first tranche (18-month repayment) and ₹2 lakh in the second tranche (30-month repayment). Both loans are collateral-free and charged at only 5% interest per year.
Can a tailor apply for PM Vishwakarma Yojana?
Yes. Tailor (Darzi) is one of the 18 approved trades under the scheme. Tailors who work independently on a self-employment basis can register at the nearest CSC or at pmvishwakarma.gov.in.
Is the ₹15,000 toolkit incentive a grant or a loan?
The ₹15,000 toolkit incentive is a direct grant — not a loan. You do not have to repay it. It is credited to your account so you can buy modern tools relevant to your trade.
How much training stipend do you get under PM Vishwakarma scheme?
You receive ₹500 per day as a training stipend. This is credited directly to your Aadhaar-linked bank account via DBT. Basic training is 5–7 days; advanced training is 15 days. Board and lodging during training are free.
Can two brothers from the same family both apply for PM Vishwakarma Yojana?
No. The scheme allows only one member per family to avail the benefits. The definition of "family" includes husband, wife, and unmarried children living in the same household. Two adult brothers living separately may be considered separate families — check with your local CSC for clarification.
What is the interest rate on PM Vishwakarma loan?
The interest rate is 5% per year for the borrower. The government provides an 8% interest subvention on top of that — meaning it covers the difference between the market rate and 5%. The credit guarantee fee is also paid by the Government of India, so there's no hidden cost.
How do I check my PM Vishwakarma application status?
Visit pmvishwakarma.gov.in and log in with your registered mobile number. You can track your application status, view your Vishwakarma ID card, and download your certificate from the portal dashboard.
Last Updated: April 24, 2026 | Source: PM Vishwakarma Official Portal (pmvishwakarma.gov.in)