Training : PM Vishwakarma Scheme: Complete Guide to Eligibility, Training, Financial Benefits, and Online Registration
India’s traditional artisans and craftspeople—collectively known as Vishwakarmas—have long served as the backbone of the rural and semi-urban economy. To modernize their traditional crafts, provide official recognition, and deliver low-cost financial support, the Government of India launched the flagship PM Vishwakarma Scheme. With an allocated budget of ₹13,000 Crore, the scheme provides end-to-end support ranging from skill training to collateral-free business loans.
This comprehensive guide covers everything you need to know about the PM Vishwakarma Scheme, including the 18 eligible trades, financial assistance breakdown, training structure, required documents, and a step-by-step registration guide.
Overview of PM Vishwakarma Scheme
| Particulars | Key Details |
| Scheme Name | Pradhan Mantri Vishwakarma Scheme (PM Vishwakarma) |
| Nodal Ministry | Ministry of Micro, Small and Medium Enterprises (MSME) |
| Financial Outlay | ₹13,000 Crore |
| Target Beneficiaries | Traditional artisans and craftspeople across 18 family-based trades |
| Collateral-Free Loan | Up to ₹3 Lakhs (5% concessional interest rate) |
| Toolkit Grant | ₹15,000 e-Voucher |
| Daily Training Stipend | ₹500 per day |
| Official Portal | pmvishwakarma.gov.in |
List of 18 Eligible Traditional Trades
The scheme specifically targets unorganized workers who rely on hands and traditional tools across 18 designated crafts:
- Wood-Based: Carpenter (Suthar/Badhai), Boat Maker
- Metal & Stone-Based: Armourer, Blacksmith (Lohar), Locksmith, Hammer & Tool Kit Maker, Sculptor (Moortikar / Stone Carver), Stone Breaker
- Gold & Silver-Based: Goldsmith (Sonar)
- Clay-Based: Potter (Kumhaar)
- Leather-Based: Cobbler (Charmakar) / Footwear Artisan
- Architecture & Construction: Mason (Rajmistri)
- Other Traditional Crafts: Basket / Mat / Broom Maker / Coir Weaver, Doll & Toy Maker (Traditional), Barber (Naai), Garland Maker (Malakaar), Washerman (Dhobi), Tailor (Darzi), and Fishing Net Maker.
Core Eligibility Criteria
To qualify for the benefits under the PM Vishwakarma Scheme, applicants must meet the following official conditions:
- Age Limit: The applicant must be at least 18 years old on the date of registration.
- Occupation: The applicant must be actively engaged in one of the 18 covered traditional trades in the unorganized sector.
- One Member Per Family: Benefits are strictly restricted to one member per household (defined as husband, wife, and unmarried children).
- No Loan Overlap: The applicant should not have taken loans under similar central or state self-employment schemes (like PMEGP, PM MUDRA, or PM SVANidhi) in the past 5 years. (Note: Applicants who have fully repaid previous MUDRA or SVANidhi loans remain eligible).
- Employment Status: Government employees and their immediate family members are ineligible.
Detailed Financial Benefits & Incentives
The PM Vishwakarma Scheme provides structured financial support across five key areas:
1. Recognition & Identity
Every verified artisan receives an official PM Vishwakarma Certificate and Digital ID Card, providing formal status within the MSME ecosystem and onboarding onto the Udyam Assist Platform.
2. Skill Training & Stipend
- Basic Skill Training: 5 to 7 days (40 hours) of practical orientation on modern machinery, tool handling, and digital tools.
- Advanced Skill Training: 15 days or more (150 hours) focused on modern designs, brand building, and specialized manufacturing.
- Training Allowance: Trainees receive a stipend of ₹500 per day directly transferred into their Aadhaar-linked bank accounts.
3. Toolkit Support Incentive
Upon successfully completing basic skill training, beneficiaries receive a ₹15,000 e-voucher. This digital voucher can be redeemed at empanelled vendors to purchase modern equipment and specialized toolkits tailored to their trade.
4. Collateral-Free Enterprise Development Loan
Financial credit is offered in two manageable tranches at a concessional 5% interest rate (with the central government subsidizing up to an 8% interest subvention):
- First Loan Tranche: Up to ₹1,000,000 (repayable in 18 months), available after basic training completion.
- Second Loan Tranche: Up to ₹2,000,000 (repayable in 30 months), available after maintaining a clean repayment record for the first tranche and adopting digital transaction practices.
5. Digital Transaction & Marketing Support
- Digital Cashback: Beneficiaries receive ₹1 per digital transaction (up to 100 transactions per month) to encourage digital payment adoption.
- Marketing Assistance: Access to national trade fairs, branding guidance, quality certification, and e-commerce onboarding to expand market reach.
Documents Required for Application
Keep these documents ready before starting the online enrollment process:
- Aadhaar Card (Mandatory for biometric authentication)
- Mobile Number linked with Aadhaar
- Bank Account Details (Account number, IFSC code, passbook copy)
- Ration Card (If unavailable, Aadhaar details of all family members must be provided)
- Trade / Skill Proof or Self-Declaration of traditional practice.
Step-by-Step Registration Process
Registration for the PM Vishwakarma Scheme is 100% free and relies on a three-tier government verification model.
1.Visit a Common Service Centre (CSC):Aadhaar Biometric Verification Required.
Locate your nearest Common Service Centre (CSC) or visit pmvishwakarma.gov.in. The operator will complete your biometric Aadhaar authentication on the official portal at no charge.
2.Mobile & OTP Authentication:Link Aadhaar-linked Mobile Number.
Enter your mobile number linked with your Aadhaar card. Verify the single-use passcode (OTP) sent to your phone to activate your registration profile.
3.Fill Out Application Form:Select Trade & Details.
Select your specific craft from the 18 listed traditional trades. Enter your personal details, bank account credentials, family details (via Ration Card), and current business location.
4.Three-Step Administrative Verification:Gram Panchayat to District Committee.
Your application undergoes a multi-level review process:
- Stage 1: Local verification by Gram Panchayat Pradhan or Urban Local Body (ULB) Executive.
- Stage 2: Screening by the District Implementation Committee.
- Stage 3: Final approval by the State Level Monitoring Committee.
5.Download Certificate & ID Card:Access Portal Dashboard.
Once approved, log in to your applicant dashboard on pmvishwakarma.gov.in using your registered mobile number to download your official PM Vishwakarma Certificate and Digital ID Card.
6.Attend Skill Training & Receive Benefits:Unlock Toolkit & Credit Support.
Enroll in the assigned basic skill training program in your district. Earn your ₹500/day training stipend, claim your ₹15,000 toolkit voucher upon completion, and apply for the collateral-free ₹1 Lakh credit tranche.
How to Check Your PM Vishwakarma Application Status
If you have already applied through a CSC, tracking your application is straightforward:
- Go to the official website:
pmvishwakarma.gov.in. - Click Login on the top menu and select Applicant / Beneficiary Login.
- Enter your registered mobile number and captcha code.
- Enter the OTP sent to your registered mobile number.
- View your application dashboard to check your verification stage, skill training schedule, stipend status, or loan disbursal details.
Frequently Asked Questions (FAQs)
Q1. Is there any fee for registering under the PM Vishwakarma Scheme?
No. Registration, biometric authentication, certificate issuance, and training are completely free of cost. The entire registration fee is borne by the Government of India.
Q2. Can women apply for this scheme?
Yes. Female artisans engaged in traditional trades such as tailoring (Darzi), basket making, toy making, or garland making are fully eligible.
Q3. What happens if I fail to repay the first tranche of the loan?
To unlock the second loan tranche of ₹2 Lakhs, you must repay the first tranche of ₹1 Lakh satisfactorily and adopt digital transaction methods in your day-to-day business operations.
Q4. Where can I spend the ₹15,000 toolkit support?
The ₹15,000 benefit is issued as a digital e-voucher. It can be redeemed with designated suppliers listed on the PM Vishwakarma portal to buy authorized, trade-specific tools.
By bridging the gap between traditional craftsmanship and modern enterprise, the PM Vishwakarma Scheme offers artisans financial independence, modern tools, and formal market integration. Eligible craftspeople should visit their nearest Common Service Centre (CSC) or log