🗓️Last Updated: June 2026

PM Vishwakarma Yojana 2026: ₹3 Lakh Loan + ₹15,000 Toolkit for 18 Trades

PM Vishwakarma Yojana provides traditional artisans and craftspeople from 18 trades with a ₹15,000 toolkit grant, collateral-free loans up to ₹3 lakh at just 5% interest, and skill training with a ₹500/day stipend. Learn who qualifies, how to register at a CSC, and what benefits you receive.

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Verified by NagrikIQ Research Team
Sources: Official .gov.in portals only · Updated June 2026
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Official Sources
🔗pmvishwakarma.gov.in — Official Portal →

📋 Overview

PM Vishwakarma Yojana was launched by Prime Minister Narendra Modi on 17 September 2023 (Vishwakarma Jayanti). The scheme is designed to strengthen the traditional artisan and craftsperson ecosystem in India by providing end-to-end support — from skill development and modern tools to affordable credit. The scheme covers 18 trades: carpenter (Suthar), boat maker, armourer, blacksmith (Lohar), hammer and tool kit maker, locksmith, goldsmith (Sonar), potter (Kumhar), sculptor (Moortikar/Stone carver/Stone breaker), cobbler/shoemaker (Charmkar), mason (Raj Mistri), basket/mat/broom maker, doll and toy maker, barber (Naai), garland maker (Malakaar), washerman (Dhobi), tailor (Darzi), and fishing net maker. Benefits include: a PM Vishwakarma certificate and ID card, ₹15,000 toolkit grant (e-voucher), basic skill training (5 days) + advanced skill training (15 days) with ₹500/day stipend, collateral-free credit support of ₹1 lakh (Year 1) at 5% concessional interest and ₹2 lakh (Year 2) at 5%, digital payment incentive of ₹1 per digital transaction (up to ₹100/month for 1 year), and market linkage support. The scheme runs from 2023 to 2028 with a total outlay of ₹13,000 crore. Over 30 lakh artisans are expected to benefit.

✅ Eligibility

  • ✓Must be a traditional artisan or craftsperson working in one of the 18 recognised trades using hands and tools
  • ✓Age 18 years or above at the time of registration
  • ✓Only one member per family is eligible (family = self, spouse, and unmarried children)
  • ✓Must not have availed a loan under PMEGP, PM SVANidhi, or Mudra in the last 5 years
  • ✓Self-employed artisans in the unorganised sector — not in government service or income taxpayer
  • ✓No requirement to belong to a specific caste/religion — all communities included if practising the trade
  • ✓Registration must be done through a Common Service Centre (CSC) — self-registration on portal not available
  • ✓Artisan must be present physically at CSC for Aadhaar biometric/OTP authentication

📁 Documents Required

▸Aadhaar card (mandatory — mobile number must be linked to Aadhaar for OTP)
▸Mobile number linked to Aadhaar (for OTP authentication at CSC)
▸Ration card / family ID (to verify one-family-one-applicant norm)
▸Bank account details — account must be in applicant's name, Aadhaar-linked
▸Community/caste certificate (for SC/ST applicants — from competent authority)
▸Trade proof or self-declaration of practicing the trade (Gram Panchayat/ward officer can certify)
▸Geo-tagged photograph taken at the CSC during registration
▸Any identity proof confirming age (Aadhaar itself shows DOB, sufficient)

💰Fees & Processing Time

Fee
FREE — No application fee, no registration charge. All benefits are provided at no cost to the artisan.
Processing Time
Registration → Gram Panchayat/ULB verification (7–14 days) → District verification (7–14 days) → PM Vishwakarma certificate issued → Toolkit e-voucher sent → Training scheduled → Loan application processed. Total: approximately 4–8 weeks from registration to receiving the PM Vishwakarma ID. Loan typically disbursed within 2–4 weeks of training completion.

🖥️ How to Apply Online

  1. 1Visit your nearest Common Service Centre (CSC) — find one at locator.csccloud.in
  2. 2Inform the CSC operator that you want to register for PM Vishwakarma Yojana
  3. 3The CSC operator opens pmvishwakarma.gov.in and initiates your Aadhaar OTP authentication
  4. 4Provide your Aadhaar number and verify with OTP sent to your Aadhaar-linked mobile
  5. 5Fill in trade details: select your specific trade from the 18 listed trades, describe your work
  6. 6The CSC operator takes a geo-tagged photograph at the centre as part of the registration
  7. 7Submit the application — you receive an acknowledgement number for tracking
  8. 8Application goes to Gram Panchayat (rural) or Urban Local Body (urban) for first-level verification
  9. 9After GP/ULB verification, it moves to District Implementation Committee for final verification
  10. 10Upon approval, you receive PM Vishwakarma Certificate + PM Vishwakarma ID card (digital)
  11. 11Apply for toolkit grant (₹15,000 e-voucher to buy tools from empanelled vendors) via CSC
  12. 12Enrol for basic skill training (5 days) at a training centre — receive ₹500/day stipend
  13. 13After basic training, apply for collateral-free loan of ₹1 lakh at 5% interest through empanelled bank

🏢 How to Apply Offline

  1. 1Visit your nearest CSC (Common Service Centre) — they are the only authorised registration point
  2. 2Carry original Aadhaar card, bank passbook, and ration card
  3. 3The CSC operator handles all online steps on your behalf
  4. 4After receiving the PM Vishwakarma ID, visit your nearest training centre (MSME Technology Centre or ITI) for skill training
  5. 5After training, visit the empanelled bank branch (Bank of Baroda, SBI, PNB, etc.) with PM Vishwakarma ID to apply for loan
  6. 6Buy tools using the toolkit e-voucher from empanelled tool vendors (list available at pmvishwakarma.gov.in)

⚠️Common Problems & Solutions

✗CSC operator says 'registration is closed' or portal is not working
→The PM Vishwakarma portal has open and closed registration windows. Check pmvishwakarma.gov.in directly for current registration status. If the portal is open but the CSC operator faces technical issues, call the CSC helpdesk at 1800-121-3468. Try visiting a different CSC in your area.
✗Application stuck at Gram Panchayat / ULB verification for weeks
→Visit your Gram Panchayat Pradhan or Ward Officer in person with your acknowledgement number and PM Vishwakarma registration printout. They need to click 'Verify' on the portal. Escalate to the Block Development Officer (BDO) or District Industries Centre (DIC) if no action within 2 weeks.
✗Mobile number is not linked to Aadhaar — cannot get OTP
→You must first link your mobile number with Aadhaar at an Aadhaar Enrolment Centre or via your nearest post office. This takes 3–7 days. Once linked, you can complete PM Vishwakarma OTP verification at the CSC. Alternatively, CSC operators can use biometric authentication if your fingerprint is registered in Aadhaar.
✗Loan application rejected by bank after getting PM Vishwakarma ID
→The loan is a concessional credit, not a grant — banks still do basic KYC. Ensure your bank account is active, Aadhaar-linked, and has no negative balance/default history. If rejected, contact your District Industries Centre (DIC) which coordinates with empanelled banks. You can also raise a grievance at pmvishwakarma.gov.in.
✗Toolkit e-voucher not received or expired before tools could be bought
→Check the toolkit e-voucher status by logging in at pmvishwakarma.gov.in through the CSC. If not generated, the district verification may be pending. If expired, raise a grievance through the portal or contact the DIC. Tools must be purchased only from empanelled vendors listed on the portal.

❓ Frequently Asked Questions

Q.Which 18 trades are covered under PM Vishwakarma?

The 18 trades are: Carpenter (Suthar/Badhai), Boat Maker, Armourer, Blacksmith (Lohar), Hammer & Tool Kit Maker, Locksmith, Goldsmith (Sonar), Potter (Kumhar), Sculptor/Stone Carver, Cobbler/Shoemaker (Mochi/Charmkar), Mason (Raj Mistri), Basket/Mat/Broom Maker/Coir Weaver, Doll and Toy Maker (Traditional), Barber (Naai), Garland Maker (Malakaar), Washerman (Dhobi), Tailor (Darji), and Fishing Net Maker.

Q.Can I apply directly online without going to a CSC?

No. PM Vishwakarma registration can only be done through a Common Service Centre (CSC). This is to ensure proper verification, geo-tagging, and Aadhaar authentication. You cannot self-register on the pmvishwakarma.gov.in portal without CSC assistance.

Q.What is the interest rate on the PM Vishwakarma loan?

The interest rate is 5% per annum (concessional). The actual bank rate is higher, but the difference is covered by the central government as interest subvention. Year 1 loan: up to ₹1 lakh. Year 2 loan (after repaying Year 1): up to ₹2 lakh. Total credit support: ₹3 lakh over two years, all at 5% interest.

Q.Is the ₹15,000 toolkit a loan or a grant?

The ₹15,000 toolkit support is a grant (free money), not a loan. It is provided as an e-voucher that you use to purchase tools from empanelled vendors. You do not need to repay this amount. It is separate from the credit/loan component.

Q.Can a woman artisan apply? Are there separate quotas?

Yes, women artisans in any of the 18 trades are fully eligible and encouraged to apply. There is no separate quota, but women artisans receive the same benefits. Women-dominated trades like tailoring, basket-making, and garland-making are specifically included.

📞Helpline & Support

  • ▸PM Vishwakarma Helpline: 18002677777 (toll-free)
  • ▸Email: champions@gov.in
  • ▸CSC Helpdesk: 1800-121-3468
  • ▸Official Portal: pmvishwakarma.gov.in
  • ▸MSME Ministry: msme.gov.in for scheme updates
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