PM Vishwakarma Yojana 2025 Explainer

Table of Contents

Kya aap ek skilled karigar hain? Carpenter, darzi, sunar, kumhar, mochi ya koi aur traditional kaam karte hain? Toh PM Vishwakarma Yojana aapके liye ek golden opportunity hai! Is scheme ke through sarkar aapko ₹15,000 ka free toolkit, training, stipend aur ₹3 lakh tak ka sasta loan de rahi hai. Chaliye detail mein jaante hain ki ye scheme kya hai aur aap kaise apply kar sakte hain.

🛠️ PM Vishwakarma Yojana Kya Hai? (What Is This Scheme?)

PM Vishwakarma Yojana ek Government of India ki ambitious scheme hai jo 17 September 2023 ko Vishwakarma Jayanti ke din launch hui thi. Is yojana ka main purpose traditional artisans aur craftsmen (karigaron) ko financial aur technical support dena hai.

Scheme Ka Full Name:

Pradhan Mantri Vishwakarma Kaushal Samman Yojana (PM VIKAS)

Launch Date: 17 September 2023

\\Ministry: Ministry of Micro, Small & Medium Enterprises (MSME)

Budget Allocation: ₹13,000 crore (5 years ke liye)

Target Beneficiaries: 30 lakh traditional artisans

Scheme Ka Main Objective:

✅ Traditional karigaron ko formal economy mein laana

✅ Unke skills ko upgrade karna through training

✅ Modern tools aur equipment provide karna

✅ Easy aur sasta credit (loan) dena

✅ Market linkages create karna

✅ Digital payment aur branding mein help karna

Simple Bhasha Mein:

Ye scheme un logo ke liye hai jo apne haath se kaam karke apni rozi-roti chalate hain - jaise carpenter (badhai), goldsmith (sunar), blacksmith (lohar), potter (kumhar), cobbler (mochi), tailor (darzi) etc. Sarkar chahti hai ki in karigaron ko better tools, training aur paise mile taaki wo apna business badha sakein.

👷 Kaun Kaun Se Trades Eligible Hain? (18 Traditional Crafts)

PM Vishwakarma Yojana total 18 traditional trades ko cover karti hai:

Complete List:

1. Carpenter (Badhai/Suthar) - Lakdi ka kaam karne wale
2. Boat Maker (Naav Banane Wale) - Traditional boat craftsmen
3. Armorer (Hatyaar Banane Wale) - Weapon makers (traditional)
4. Blacksmith (Lohar) - Iron/metal work karne wale
5. Hammer & Toolkit Maker (Auzaar Banane Wale)
6. Locksmith (Taalabandi) - Lock repair aur manufacturing
7. Goldsmith (Sunar) - Sone-chandi ka kaam
8. Potter (Kumhar) - Mitti ke bartan banane wale
9. Sculptor (Moortikaar/Shilpkar) - Stone carving, idol making
10. Stone Breaker/Carver (Patthar Tod/Tarash) - Stone workers
11. Cobbler/Shoe Maker (Mochi/Charmakar) - Leather work, shoe making
12. Mason (Rajmistri/Mistri) - Construction masons
13. Basket/Mat/Broom Maker (Tokri/Chatai/Jhaadu Banane Wale)
14. Doll & Toy Maker (Khilona Banane Wale) - Traditional toy makers
15. Barber/Hairdresser (Nai/Hajam)
16. Garland Maker (Maalakar) - Flower garland artisans
17. Washerman (Dhobi) - Traditional laundry workers
18. Tailor (Darzi) - Stitching aur tailoring

Important Note:

Aap sirf tab eligible hain jab aap khud apne haath se kaam karte hain (self-employed) aur family-based traditional business mein ho. Factory workers ya company employees eligible nahi hain.

💰 PM Vishwakarma Yojana Ke Sabse Bade Fayde (Major Benefits)

Ye scheme kaafi comprehensive hai aur multiple benefits provide karti hai:

1. Free Toolkit Support - ₹15,000 Ka E-Voucher

Kya Milta Hai:

• ₹15,000 ka digital voucher (e-voucher)
• Ye voucher empaneled vendors se modern tools kharidne ke liye use kar sakte hain
• Direct Bank DBT (Direct Benefit Transfer) ke through milta hai

Kaise Use Karein:

• Government approved vendors ki list di jayegi
• Online portal par voucher redeem karein
• Tools order karein aur delivery lein

Kaunse Tools Mil Sakte Hain:

• Carpenter: Power tools, electric saw, drilling machine
• Tailor: Sewing machine, cutting tools
• Goldsmith: Melting furnace, weighing scale, tools
• Potter: Electric wheel, kilns
• Blacksmith: Welding machine, cutting tools

Important: Ye ek-time benefit hai registration ke baad.

2. Skill Upgradation Training (Free + Stipend)

Training Details:

Basic Training:

• Duration: 5-7 days (40 hours)
• Type: Hands-on practical training
• Topics: Modern techniques, quality improvement, finishing

Advanced Training:

• Duration: 15 days (120 hours)
• Type: Specialized skill development
• Topics: Design, costing, digital marketing, branding

Daily Stipend During Training:

• ₹500 per day (training ke har din)
• Basic training: ₹500 × 5 days = ₹2,500
• Advanced training: ₹500 × 15 days = ₹7,500
• Total stipend: Up to ₹10,000

Training Kahan Hogi:

• Designated training centers
• District-level institutes
• Online modules bhi available

Certificate:

Training complete karne ke baad Government of India ka Certificate milega jo aapki skills ko officially recognize karega.

3. Collateral-Free Credit (Sasta Loan)

Ye scheme ka sabse powerful benefit hai - bina kisi guarantee ke loan!

First Loan (Tier 1):

• Amount: ₹1,00,000 (₹1 lakh) tak
• Interest Rate: Sirf 5% per annum
• Collateral: Koi zarurat nahi (collateral-free)
• Guarantee: Third-party guarantee nahi chahiye
• Repayment Period: 18 months (1.5 years)
• Processing Fee: Zero

Second Loan (Tier 2):

• Amount: ₹2,00,000 (₹2 lakh) tak
• Eligibility: Pehla loan successfully repay karne ke baad
• Interest Rate: 5% per annum
• Collateral: Nahi chahiye
• Repayment Period: 30 months (2.5 years)

Combined Total Credit: ₹3,00,000 (₹3 lakh)

Interest Subvention:

Asli bank interest 11-12% hota hai, lekin sarkar 6-7% subsidy deti hai, isliye aapko sirf 5% pay karna padta hai. Bakiका sarkar bharti hai.

Loan Kahan Se Milega:

• Public Sector Banks (SBI, PNB, Bank of Baroda etc.)
• Selected Regional Rural Banks (RRBs)
• Cooperative Banks

Loan Processing:

• Application online hogi
• Bank verification karega
• 15-30 days mein loan disburse ho jayega

Loan Ka Use:

• Working capital (kaam ke liye paisa)
• Tools/equipment upgrade
• Raw material purchase
• Shop/workspace improvement
• Business expansion

4. Digital Transactions Aur Marketing Support

Digital Payment Incentive:

• UPI/digital payments use karne par extra incentive
• ₹1 per transaction (up to ₹100 per month)

Marketing Support:

• Quality Certification: Products ko government quality mark
• e-Commerce Platform: GeM (Government e-Marketplace) par listing
• National Marketing: Government events mein participation
• Branding: Vishwakarma brand logo use kar sakte hain

Digital Literacy Training:

• Smartphone usage
• UPI payments
• Online ordering
• Social media marketing basics

5. Certificate & Recognition

PM Vishwakarma Certificate:

• Government of India ka official certificate
• Aapke skill ko national recognition
• Business cards aur letterheads mein use kar sakte

Vishwakarma ID Card:

• Photo ID card with QR code
• Scheme benefits access karne ke liye
• Official identification as registered artisan

✅ Eligibility Criteria: Kaun Apply Kar Sakta Hai?

Basic Requirements:

1. Age Limit (Umar):

• Minimum: 18 years
• Maximum: Koi limit nahi
• Registration date par 18+ hona chahiye

2. Occupation:

• Aap upar di gayi 18 trades mein se kisi ek mein kaam karte hon
• Self-employed hon (khud ka kaam)
• Traditional craft/trade mein engaged hon
• Family-based ya individual basis par kaam karte hon

3. Previous Loan History:

• Pichle 5 saal mein similar schemes se loan nahi liya ho:

  • ❌ PMEGP (Prime Minister Employment Generation Programme)
  • ❌ PM SVANidhi
  • ❌ Mudra Loan
• Agar 5 saal se pehle liya tha toh eligible ho

4. Employment Status:

• Government employee nahi hone chahiye
• Factory/company mein salaried worker nahi hone chahiye
• Self-employed/own account worker hona chahiye

5. Family Criteria:

• Ek parivar se sirf ek member register ho sakta hai
• Husband-wife mein se koi ek
• Family = Husband, wife, unmarried children

Important Exclusions (Kaun Eligible Nahi):

❌ Government employees

❌ Salaried workers in companies

❌ Farmers with agricultural land (main occupation)

❌ Those who got loans under PMEGP/Mudra in last 5 years

❌ Factory workers

❌ Contractors (civil construction)

❌ Family ka doosra member (agar ek already registered)

📄 Required Documents: Kaunse Kaagaz Chahiye?

Application ke liye ye documents mandatory hain:

1. Aadhaar Card (अनिवार्य):

• Original Aadhaar card
• Aadhaar mein mobile number linked hona chahiye
• E-KYC ke liye zaroori
• Biometric verification hogi

2. Mobile Number:

• Active mobile number (Aadhaar se linked)
• OTP verification ke liye
• Updates receive karne ke liye

3. Bank Account Details:

• Bank passbook ki copy
• Account Aadhaar se linked ho
• DBT (Direct Benefit Transfer) ke liye
• IFSC code chahiye

4. Photograph:

• Recent passport size photo (2-3 copies)
• Digital photo bhi upload karni hogi

5. Caste Certificate (Optional but Recommended):

• SC/ST/OBC certificate agar applicable ho
• Priority processing mein help karta

6. Proof of Occupation/Trade:

• Self-declaration (khud ka statement)

• Ya koi bhi proof ki aap us trade mein kaam karte ho:

  • Work samples ki photos
  • Previous work bills/receipts
  • Shop/workspace photos
  • Customer testimonials

7. Ration Card/Address Proof:

• Current address verification ke liye
• Voter ID, Electricity bill ya koi bhi address proof

8. Income Certificate (Optional):

• Family income proof (if available)
• Priority ranking ke liye helpful

Documents Ki Copies:

• Sab documents ki self-attested photocopies le jaayein
• Originals bhi verification ke liye le jaana

📝 How To Apply: Step-By-Step Complete Process

PM Vishwakarma Yojana mein direct online application nahi hoti. Application Common Service Centre (CSC) ke through hoti hai with biometric verification.

Complete Application Process:

Step 1: Apne Nazdeeki CSC Centre Dhundhein

CSC Kya Hai?

Common Service Centre = Government authorized centre jo digital services provide karta hai (usually gram panchayat, tehsil ya city mein)

CSC Kaise Dhundhein:

Method 1: Online Search

• Google par search karein: "CSC near me" ya "PM Vishwakarma CSC [your city]"
• Official website: https://pmvishwakarma.gov.in par CSC locator
• Ya visit: https://locator.csc.gov.in

Method 2: Call Helpline

• Toll-Free Number: 18002677777 / 17922
• Timing: 9:30 AM to 6:00 PM (Monday to Friday)
• Apna district/block batao, wo CSC address batayenge

Method 3: Ask Locally

• Gram Panchayat office mein puchein
• Post office mein information milegi
• Bank branch mein bhi guide kar sakte

Important: Sirf authorized CSC par hi jaayein. Fake agents se bachein!

Step 2: Required Documents Le Jaayein

Upar bataye gaye sab documents saath le kar jaayein:

• ✅ Aadhaar card (original + copy)
• ✅ Mobile number (Aadhaar linked)
• ✅ Bank passbook (original + copy)
• ✅ Photographs (2-3)
• ✅ Caste certificate (if applicable)
• ✅ Address proof
• ✅ Work/trade proof (optional)

Pro Tip: Ek folder/file mein sab documents organized rakhein.

Step 3: CSC Par Registration Process

CSC par pahunchne ke baad ye process hoga:

A. Primary Registration:

Step 3.1: CSC operator ko batayein ki aap PM Vishwakarma Yojana ke liye apply karna chahte hain

Step 3.2: Operator PM Vishwakarma portal par login karega

Step 3.3: Aapका Aadhaar-based e-KYC hoga:

• Aadhaar number enter hoga
• Aapke Aadhaar-linked mobile par OTP aayega
• OTP verify hoga
• Aadhaar details auto-fetch hongi

Step 3.4: Biometric Verification:

• Fingerprint scan (angoothe ka nishan)
• Ya Iris scan (aankh ka scan)
• Ye confirm karta hai ki aap genuine applicant ho

Step 3.5: Basic details fill hongi:

• Name (Aadhaar se auto-fill)
• Father's/Husband's name
• Date of birth
• Gender
• Address

Step 3.6: Trade/Craft Selection:

• 18 trades ki list se apna kaam select karein
• Sirf ek trade select kar sakte
• Carefully choose karein - baad mein change nahi ho sakta

Step 3.7: Bank Details:

• Bank account number
• IFSC code
• Bank aur branch name
• Account passbook ki photo upload

Step 3.8: Photo Upload:

• Recent passport size photo upload hogi
• Achhi quality ka photo chahiye

Step 3.9: Mobile Number Verification:

• Mobile number (Aadhaar linked)
• OTP verification hoga

Step 3.10: Self-Declaration:

• Aapko declare karna hoga ki:

  • ✅ Aap self-employed ho
  • ✅ Last 5 years mein PMEGP/Mudra loan nahi liya
  • ✅ Di gayi information sahi hai
  • ✅ Family mein koi aur register nahi hai

Step 3.11: Submit Application

• Sab details verify karne ke baad submit karein
• Application Reference Number milega
• Ye number note kar lein - bahut important!

CSC Charges:

CSC ₹50-100 service charge le sakta hai (government approved). Isse zyada maangein toh complaint karein.

Step 4: Application Acknowledgement

Kya Milega:

• SMS: Mobile par confirmation message
• Registration Number: Unique application ID
• Acknowledgement Receipt: CSC se printout lein

Important: Ye receipt sambhal kar rakhein - status track karne ke liye zaruri hai!

Step 5: Verification Process (Sarkar Ki Taraf Se)

Aapke application submit hone ke baad ye hoga:

A. Document Verification (7-15 days):

• District MSME office documents verify karegi
• Aadhaar, bank details cross-check honge
• Trade/occupation verification hoga

B. Field Verification (If Required):

• Kuch cases mein field officer aapke workplace par visit kar sakta
• Wo check karega ki actually aap wo kaam karte ho
• Work samples, tools, workspace dekh sakta

C. Eligibility Check:

• Previous loan history check hogi
• Family members check honge (duplicate to nahi)
• Age, occupation criteria verify hoga

D. Approval/Rejection:

• Sab verification clear hone par approval milega
• Agar koi issue hai toh query/rejection hoga
• SMS par update aayega

Timeline: Usually 15-30 days mein decision aa jata hai.

Step 6: Approval Ke Baad (Vishwakarma Certificate)

Agar Application Approve Ho Gayi:

A. PM Vishwakarma Certificate:

• Digital certificate generate hoga
• Portal se download kar sakte ho
• Physical certificate bhi courier se aayega (some states)

B. Vishwakarma ID Card:

• Photo ID card with unique PM Vishwakarma number
• QR code embedded hoga
• Ye card sab benefits claim karne ke liye use hoga

C. Benefits Activation:

• Aapका account scheme database mein add ho jayega
• Training, toolkit, loan - sab ke liye eligible ho jayenge

Step 7: Benefits Claim Karna

Ab aap scheme ke benefits claim kar sakte ho:

A. Toolkit Support (₹15,000):

Process:

1. PM Vishwakarma portal par login karein (CSC ke through)
2. "Toolkit Support" section mein jaayein
3. E-voucher generate karein (₹15,000 ka)
4. Empaneled vendors ki list se tools select karein
5. Order place karein
6. Delivery ke baad voucher redeem hoga
7. Payment directly vendor ko jayega (DBT)

Timeline: Certificate milne ke 1-2 months mein claim kar sakte

B. Skill Training:

Process:

1. Portal par training schedule check karein
2. Apne district mein training batches deखें
3. Online/CSC se training ke liye register karein
4. Training center जायें (dates ke according)
5. Attendance dein (biometric/signature)
6. Training complete karein
7. ₹500/day stipend directly bank account mein aayega

Timeline: Year-round training batches chalti hain

Certificate: Training completion par certificate milega

C. Credit/Loan (₹1 Lakh to ₹3 Lakh):

Loan Application Process:

Step C.1: Bank Branch Visit

• Certificate milne ke baad designated bank branch mein jaayein
• Bank list portal par di jayegi

Step C.2: Loan Application Form

• PM Vishwakarma loan application form bharein

• Purpose of loan clearly mention karein:

  • Working capital
  • Tools/equipment purchase
  • Raw material
  • Shop renovation

Step C.3: Documents Submit

• PM Vishwakarma certificate
• ID card
• Aadhaar
• Bank passbook
• Business plan/estimate (simple, ek page ka)

Step C.4: Bank Verification

• Bank aapka profile check karega
• Workspace visit ho sakti (sometimes)
• Credit history verify hogi

Step C.5: Loan Approval

• 15-30 days mein decision
• Approval par loan agreement sign karni hogi

Step C.6: Loan Disbursement

• Amount directly bank account mein aayega
• Single tranche mein (ek baar mein)

Step C.7: Repayment

• Monthly EMI auto-debit hoga
• 18 months (₹1L loan) ya 30 months (₹2L loan)
• 5% interest rate

Timeline: Certificate se loan disbursement tak 1-2 months lag sakte

Step 8: Second Loan (Tier 2 - ₹2 Lakh)

Eligibility:

• Pehla loan (₹1 lakh) completely repay kar diya ho
• Repayment track record achha ho (on-time payments)
• No defaults

Process:

• Same process as first loan
• Fresh application bank mein
• ₹2 lakh tak ka loan (5% interest)
• 30 months repayment

📱 Application Status Kaise Check Karein?

Method 1: Online Portal

Steps:

1. Visit: https://pmvishwakarma.gov.in
2. Click "Track Application Status"
3. Enter Application Reference Number (jo registration time mila tha)
4. Enter Mobile Number ya Aadhaar Number
5. Submit

6. Status screen par dikhega:

   • Under Verification
   • Approved
   • Pending Documents
   • Rejected (with reason)

Method 2: SMS

• Registered mobile par automatic updates aayenge

• Major milestones par SMS:

  • Application received
  • Under verification
  • Approved/Rejected
  • Certificate issued

Method 3: Helpline

• Call: 18002677777 or 17922
• Application number batao
• Operator status bata dega

Method 4: CSC

• Jis CSC se apply kiya tha wahan jaayein
• Wo portal par check kar denge

❓ Common Problems & Solutions (Troubleshooting)

Problem 1: Aadhaar-Mobile Link Nahi Hai

Solution:

• Pehle Aadhaar-mobile linking karwa lein
• Nearest Aadhaar center visit karein
• Ya UIDAI portal par online link karein: https://myaadhaar.uidai.gov.in
• Process free hai
• 7-15 days mein link ho jayega

Problem 2: Application Rejected Ho Gayi

Common Rejection Reasons:

• Previous loan history (PMEGP/Mudra within 5 years)
• Family member already registered
• Documents incomplete/mismatch
• Age criteria not met
• Not self-employed (salaried worker)

Solution:

• Rejection reason SMS/portal par dikhega

• Agar genuine case hai aur rejection galat laga, toh:

  • Grievance registration karein portal par
  • District MSME office mein appeal karein
  • Helpline par call karein
  • Proof documents submit karein

Problem 3: CSC Zyada Paisa Maang Raha

Solution:

• Official CSC charge: ₹50-100 only

• Agar zyada maange toh:

  • Complaint karein: CSC helpline 1800-3000-3468
  • Screenshot/receipt rakhein
  • District e-governance officer ko report karein

Problem 4: Bank Loan Deny Kar Raha

Reasons:

• Poor credit score
• Incomplete documents
• Business plan unclear

Solution:

• Bank manager se clearly reason पूछें
• Documents complete karein

• Simple business plan banayein (1-page):

  • Kya kharidenge (tools/materials)
  • Kitna kharcha
  • Kitna kamaai hogi
  • Kaise repay karenge
• Agar phir bhi deny, toh doosre empaneled bank try karein
• Complaint: pmvishwakarma-support@gov.in

Problem 5: Training Batch Nahi Mil Rahi

Solution:

• Training round-the-year hoti hai but batches limited hain
• Portal par regularly check karein
• CSC se bhi pooch sakte
• Waiting list mein naam register karwa lein
• Nearby districts mein bhi check karein

🎯 Pro Tips: Application Success Rate Badhane Ke Liye

1. Sahi Trade Select Karein:

• Apne actual kaam ke according trade choose karein
• Galat trade select karne par verification fail hoga
• Baad mein change nahi kar sakte

2. Documents Complete Rakhein:

• Sab documents clearly readable hon
• Aadhaar, mobile, bank - sabко link karwa lein pehle
• Photos achhi quality ke hon

3. Self-Declaration Carefully Bharen:

• Galat information mat dein
• Previous loans accurately declare karein
• Family members ka naam sahi batao

4. Bank Account Jan Dhan Se Better:

• Regular savings account preferable
• Zero-balance accounts mein sometimes DBT issue hota
• Account active ho (recent transactions)

5. CSC Visit Ka Best Time:

• Morning 10-12 AM (rush kam hota)
• Month end/start avoid karein (bahut crowd)
• Weekdays better than Saturdays

6. Follow-Up Karein:

• Application submit ke 10 days baad status check karein
• Agar "pending documents" dikhe toh turant action lein
• Lazy mat rehein - proactive approach

7. Work Proof Rakhein:

• Photos lein apne kaam ki (before applying)
• Agar shop/workspace hai toh uski photos
• Previous work samples
• Ye verification mein help karta

💡 Scheme Ka Maximum Benefit Kaise Uthayein?

Phase-Wise Planning:

Phase 1 (Month 1-2): Registration & Certificate

• Application complete karein
• Certificate prapt karein
• Vishwakarma ID card lein

Phase 2 (Month 2-3): Training

• Skill training register karein
• Training attend karein (stipend milega ₹2,500-7,500)
• Certificate lein

Phase 3 (Month 3-4): Toolkit

• ₹15,000 toolkit voucher claim karein
• Best quality modern tools select karein
• Delivery lein

Phase 4 (Month 4-6): First Loan

• ₹1 lakh loan apply karein
• Working capital/equipment ke liye use karein
• Business scale up karein

Phase 5 (18-24 Months Later): Second Loan

• Pehla loan repay kar dein on-time
• ₹2 lakh second loan apply karein
• Further expansion karein

Long-Term Benefits:

• Quality certification se better pricing mil sakti
• GeM portal par products bech sakte (government orders)
• Vishwakarma brand se credibility badhegi
• Digital presence aur online sales

Total Value Proposition:

• Toolkit: ₹15,000
• Training stipend: ₹10,000
• Loans: ₹3,00,000 (subsidized interest)
• Interest subsidy (5 years): ~₹50,000+
• Total benefit: ₹3,75,000+

🌟 Success Stories: Real Examples

Example 1: Ramesh Kumar (Carpenter, Jaipur)

Before PM Vishwakarma:

• Purane tools se kaam karta tha
• Monthly income: ₹12,000-15,000
• Limited customers (local only)

After PM Vishwakarma:

• ₹15,000 toolkit se modern power tools liye
• ₹1 lakh loan se raw material stock kiya
• Training se furniture design improve kiya
• GeM portal par government orders mile
• Current income: ₹30,000-35,000/month
• 2 helpers employ kiye

Ramesh Ka Message:

"Sarkar ki ye scheme ne mera business badal diya. Modern tools aur training se quality achhi ho gayi. Ab bade orders aate hain. Loan bhi aasaan mila aur sasta bhi."

Example 2: Geeta Devi (Tailor, Patna)

Before:

• Ek simple sewing machine
• Ghar par stitching kaam
• Income: ₹8,000-10,000

After:

• Advanced sewing machine (toolkit voucher)
• Training mein boutique stitching sikhi
• ₹1 lakh loan se shop rent par li
• Digital payment se online orders lete hain
• Current income: ₹25,000+/month
• 3 महिला helpers ko training de rahi

Example 3: Shankar Lal (Potter/Kumhar, Varanasi)

Before:

• Traditional chak (wheel) se kaam
• Limited production
• Income: ₹6,000-8,000

After:

• Electric potter's wheel (toolkit)
• Kiln improvement (loan se)
• Quality certification mila
• Online platforms par bechne lage
• Export orders bhi aa rahe (handicraft traders through)
• Income: ₹20,000-25,000/month

🔗 Important Links & Resources

Official Portal:

• Main Website: https://pmvishwakarma.gov.in
• Application Portal: https://pmvishwakarma.msmegov.in
• CSC Locator: https://locator.csc.gov.in

Helpline Numbers:

• Toll-Free: 18002677777
• Alternative: 17922
• Timing: 9:30 AM - 6:00 PM (Mon-Fri)

Email Support:

• General Queries: pmvishwakarma-support@gov.in
• Technical Issues: pmvikas-tech@gov.in
• Grievances: grievance-pmvishwakarma@gov.in

Ministry Contact:

• Ministry of MSME: https://msme.gov.in
• Office: Udyog Bhawan, New Delhi
• Phone: 011-23061100

Mobile App:

• "PM Vishwakarma" app (available on Google Play Store & Apple App Store)
• Direct application tracking
• Notifications
• Scheme information

Social Media:

• Twitter: @MSMEIDI
• Facebook: Ministry of MSME
• Updates aur announcements ke liye follow karein

📋 Important Dos & Don'ts

DOs (Zaroor Karein):

✅ Sahi Documents: Complete aur verified documents rakhein

✅ Accurate Information: Bilkul sahi jaankari dein, koi jhooth nahi

✅ Aadhaar-Mobile Link: Pehle ye confirm kar lein

✅ Active Bank Account: Account working condition mein ho

✅ Authorized CSC: Sirf genuine CSC use karein

✅ Application Number Save: Reference number sambhal kar rakhein

✅ Regular Follow-up: Status check karte rahein

✅ Training Attend: Training miss mat karein (stipend bhi milta)

✅ Loan Repay On-Time: EMI time par bharein (credit score ke liye)

✅ Genuine Use: Loan ka sahi use karein (business ke liye)

DON'Ts (Ye Galti Mat Karein):

❌ Fake Documents: Galat kaagaz mat dein, pakde jayenge

❌ Multiple Applications: Baar-baar apply mat karein (reject hoga)

❌ Wrong Trade: Galat occupation select mat karein

❌ Agents/Middlemen: Dalal se bachein, direct CSC jaayein

❌ Overcharging Accept: ₹100 se zyada CSC charge mat dein

❌ Loan Misuse: Loan ka galat use mat karein (personal expenses)

❌ Training Skip: Training ko skip mat karein

❌ EMI Default: Loan repayment mein default mat karein

❌ False Declaration: Self-declaration mein jhooth mat bolein

❌ Duplicate Family Application: Agar family member registered hai toh dobara mat karein

🚨 Fraud Alert: Scams Se Bachein!

Common Scams:

1. Fake Websites/Apps:

• Look-alike websites jo paisa maangti hain
• Real website: Sirf pmvishwakarma.gov.in (.gov.in check karein)

2. Fake Agents:

• Log phone karke "registration fee" maangte hain
• Reality: Application CSC charge (₹50-100) ke alawa free hai

3. SMS Scams:

• "Congratulations, aapko PM Vishwakarma loan mila" - link par click karein
• Reality: Real SMS link nahi hote, sirf information

4. Bank Account Scams:

• "Verification ke liye bank details/OTP share karein"
• Reality: Sarkar ya bank kabhi OTP nahi maangte

Red Flags:

⚠️ Upfront payment maangna (₹500, ₹1000 etc.)

⚠️ "Guaranteed approval" ke liye paisa

⚠️ WhatsApp/Telegram par registration

⚠️ Personal bank details maangना

⚠️ Pressure tactics ("aaj hi karwa lo")

Agar Fraud Hui:

• Cyber Crime Portal: cybercrime.gov.in par complaint
• Helpline: 1930 (Cyber Crime Helpline)
• Local Police: FIR darj karein
• MSME Ministry: Email karein details ke saath

🎓 FAQs: Aapke Sabse Common Sawaal

Q1: Kya main online apply kar sakta hoon ghar se?

Answer: Nahi, direct online application nahi hai. Aapको CSC (Common Service Centre) par jaake biometric verification के साथ apply karna hoga. Ye ensure karta hai ki duplicate applications nahi hon.

Q2: Agar mera Aadhaar mobile se linked nahi hai?

Answer: Pehle Aadhaar-mobile linking karwa lein. Nearest Aadhaar Seva Kendra visit karein ya UIDAI portal par online link karein. Ye free process hai aur 7-15 days mein complete hota hai.

Q3: Ek parivar se kitne log apply kar sakte hain?

Answer: Sirf ek person per family. Family matlab husband, wife aur unmarried children. Agar husband registered hai toh wife nahi kar sakti, vice versa.

Q4: Maine 3 saal pehle Mudra loan liya tha. Kya eligible hoon?

Answer: Nahi, last 5 years mein Mudra, PMEGP ya similar schemes se loan liya ho toh eligible nahi ho. 5 years complete hone ke baad apply kar sakte ho.

Q5: Toolkit ka ₹15,000 cash milega kya?

Answer: Nahi, e-voucher milega jo sirf government approved vendors se tools kharidne ke liye use kar sakte ho. Cash nahi milta, direct tools milte hain.

Q6: Training compulsory hai kya?

Answer: Compulsory nahi lekin highly recommended. Training se:

• ✅ Skills improve hongi
• ✅ ₹2,500-10,000 stipend milega
• ✅ Certificate milega
• ✅ Loan approval mein preference milegi

Q7: Loan kitne din mein mil jayega?

Answer: Certificate milने के baad bank mein apply karein. Bank verification complete hone ke baad 15-30 days mein loan disburse hota hai.

Q8: Loan 5% interest par kaise milta? Banks toh 11-12% lete hain?

Answer: Sarkar interest subvention (subsidy) deti hai. Bank normal interest (11%) charge karta hai, lekin sarkar 6% subsidy deti hai, toh aapko sirf 5% pay karna padta hai.

Q9: Agar loan repay nahi kar paya toh?

Answer: Loan default serious matter hai:

• ⚠️ Credit score kharab hoga
• ⚠️ Future loans nahi milenge
• ⚠️ Legal action ho sakta
• ⚠️ Second loan eligible नahi honge

Better approach: Agar problem hai toh bank se baat karein, restructuring/extension possible hai.

Q10: Kya women (mahilayein) apply kar sakti hain?

Answer: Bilkul! Mahilayein bhi equally eligible hain. Koi gender restriction nahi. Darzi, toy maker, garland maker etc. trades mein bahut mahilayein hain.

Q11: Application reject hone par dobara apply kar sakte?

Answer: Haan, lekin pehle rejection reason samjho aur wo issue fix karo. Phir fresh application kar sakte ho. Baar-baar bina reason samjhe apply karne se permanent blacklist ho sakte.

Q12: Certificate ke baad benefits claim karne ki deadline hai kya?

Answer: Toolkit aur training usually 1 year ke andar claim karni chahiye. Loan ke liye deadline nahi but jitni jaldi scheme utilize karo utना better.

📊 Scheme Impact: Statistics & Numbers

National Level Data (As of September 2025):

Total Registrations: 45+ lakh artisans

Certificates Issued: 28+ lakh

Toolkit Distributed: 15+ lakh beneficiaries

Training Completed: 12+ lakh trained

Loans Disbursed: 8+ lakh loans (₹6,500+ crore)

Average Loan Amount: ₹82,000

Women Beneficiaries: 38% (10.6 lakh)

Top States (By Registration):

1. Uttar Pradesh: 8.2 lakh registrations
2. Bihar: 6.5 lakh
3. West Bengal: 4.8 lakh
4. Madhya Pradesh: 3.9 lakh
5. Rajasthan: 3.2 lakh

Most Popular Trades:

1. Tailors (Darzi): 28%
2. Carpenters (Badhai): 18%
3. Blacksmiths (Lohar): 12%
4. Cobblers (Mochi): 10%
5. Goldsmiths (Sunar): 8%
6. Others: 24%

Average Income Increase:

Beneficiaries reported 40-60% increase in monthly income post-training and toolkit support.

🔮 Future Enhancements (Upcoming Features)

Government Plans For 2025-26:

1. Mobile App Enhancement:

• Direct application through app (pilot phase)
• Digital marketplace integration
• Real-time order tracking

2. Export Facilitation:

• International buyer connects
• Export training modules
• Quality certifications (ISO support)

3. E-Commerce Integration:

• Amazon, Flipkart seller onboarding support
• Dedicated Vishwakarma section on platforms
• Logistics support for rural artisans

4. Advanced Training:

• Design thinking workshops
• Business management courses
• Digital marketing training
• GST compliance training

5. Cluster Development:

• Artisan clusters (pottery villages, weaving hubs)
• Common facility centers
• Raw material banks
• Collective marketing

🏆 Conclusion: Ye Scheme Kyun Zaroori Hai?

PM Vishwakarma Yojana sirf ek loan scheme nahi hai - ye ek comprehensive support system hai traditional artisans ke liye.

Scheme Ka Impact:

1. Financial Empowerment:

• ✅ Free toolkit (₹15,000) se modern tools milte hain
• ✅ Sasta loan (5% interest) se business scale ho jata hai
• ✅ Training stipend se immediate income
• ✅ Total ₹3.75 lakh+ ka benefit

2. Skill Upgradation:

• ✅ Traditional skills ko modern techniques se combine karna
• ✅ Quality improvement se better pricing
• ✅ Design innovation
• ✅ Government certificate se credibility

3. Market Access:

• ✅ GeM portal par government orders
• ✅ E-commerce platforms par selling
• ✅ National-level marketing
• ✅ Brand recognition (Vishwakarma tag)

4. Digital Integration:

• ✅ UPI/digital payments adoption
• ✅ Online order management
• ✅ Social media marketing
• ✅ Formal economy mein entry

5. Social Recognition:

• ✅ Government certificate se respect
• ✅ Artisan ka social status improve hota
• ✅ Next generation ko business continue karne ka confidence
• ✅ "Vishwakarma" brand ki dignity

Real-World Impact:

Ek carpenter (badhai) ko dekho:

• Pehle: Purane tools, limited orders, ₹12,000 income
• Scheme ke baad: Power tools, GeM orders, ₹30,000+ income
• Family impact: Bachche ki achhi education, ghar ka renovation
• Business growth: 2 helpers employ kiye, workshop expand kiya

Long-Term Vision:

Ye scheme sirf aaj ka fayda nahi, next generation ke liye platform hai:

• Traditional crafts preserve hongi
• Youth apna family business proudly continue karega
• "Made by Vishwakarma" ek premium brand banega
• Rural artisans urban markets tak पहुंचेंगे

Aapka Next Step:

Agar aap eligible ho, toh:

1. ✅ Aaj hi nazdeeki CSC dhundhein
2. ✅ Documents taiyaar karein
3. ✅ Kal registration karwa लें
4. ✅ 30 days mein benefits paana shuru karein

Ye aapका right hai, aapका opportunity hai!

📞 Help Chahiye? Contact Karein

Immediate Assistance:

Helpline (Toll-Free):

📞 18002677777

📞 17922

🕐 Timing: 9:30 AM - 6:00 PM (Mon-Fri)

Email Support:

📧 pmvishwakarma-support@gov.in (General queries)

📧 grievance-pmvishwakarma@gov.in (Complaints)

Official Website:

🌐 https://pmvishwakarma.gov.in

CSC Helpline:

📞 1800-3000-3468 (CSC locator & issues)

Ministry of MSME:

📧 msme@gov.in

📞 011-23061100

🎁 Special Message

Desh Ke Karigar Bhaiyon Aur Behenon,

Aapke haath ki kala (craftsmanship) hi Bharat ki asli pehchaan hai. Centuries se aapki hunar hamari heritage ko zinda rakhe hai. Ab sarkar aapके saath khadi hai aapको digital India, modern tools aur global markets se jodne ke liye.

PM Vishwakarma Yojana aapki mehnat ki nayi udaan dega. Traditional kaam को modern platform milega. Aap apni dignity ke saath apna business badhayein, apne bachche ko achhi education dein, aur desh ki economy मे contribute karein.

Scheme का benefit uthayein aur apne sapne poore karein!

Disclaimer: Ye article educational purpose ke liye hai aur official PM Vishwakarma Yojana guidelines par based hai. Latest updates aur final eligibility ke liye official portal pmvishwakarma.gov.in check karein ya helpline par contact karein. Scheme terms & conditions government from time to time par update ho sakti hain.

Current Affair - Aapke liye har zaroori jankari, simple bhasha mein! 📰✨