PM Vishwakarma Yojana Online Apply: The Government of India has launched the PM Vishwakarma Yojana to support traditional artisans, craftspeople, and small business owners. The primary objective of this central government scheme is to provide financial assistance, collateral-free business loans, skill development training, and modern toolkits to individuals engaged in traditional trades.
If you want to expand your traditional business and secure a low-interest business loan, here is the complete guide on the PM Vishwakarma Yojana Online Apply process, official portal registration, eligibility criteria, required documents, and step-by-step application procedure.
Key Highlights of PM Vishwakarma Scheme 2026
| Scheme Parameter | Information & Details |
| Scheme Name | PM Vishwakarma Yojana (Pradhan Mantri Vishwakarma Scheme) |
| Launching Ministry | Ministry of Micro, Small and Medium Enterprises (MSME) |
| Target Beneficiaries | Traditional Artisans & Craftspeople (18 Covered Trades) |
| Collateral-Free Loan | Up to ₹3 Lakh (Tranche 1: ₹1 Lakh, Tranche 2: ₹2 Lakh) |
| Concessional Interest Rate | 5% Effective Interest Rate (Subsidized by Central Government) |
| Toolkit Grant Assistance | ₹15,000 Toolkit e-Voucher |
| Daily Training Stipend | ₹500 per day during Skill Training |
| Official Website | pmvishwakarma.gov.in |
Major Benefits of PM Vishwakarma Yojana
Upon successfully registering on the PM Vishwakarma Portal, eligible beneficiaries receive comprehensive financial, skill-building, and digital enablement support:
- PM Vishwakarma Certificate & ID Card: After successful registration and verification, the government issues an official PM Vishwakarma Digital Certificate and Identity Card, offering formal recognition to traditional artisans.
- Skill Training & Stipend: Artisans receive 5 to 7 days of Basic Training and an optional 15 days of Advanced Training. During the training period, a daily ₹500 training stipend is credited directly to the beneficiary’s bank account via Direct Benefit Transfer (DBT).
- ₹15,000 Toolkit Assistance: Upon completing basic skill training, beneficiaries receive a ₹15,000 e-Voucher to purchase modern tools and machinery required for their craft.
- Collateral-Free Enterprise Credit: To scale business operations, collateral-free credit support is offered in two phases:
- First Loan Tranche: Up to ₹1,00,000 with an 18-month repayment tenure.
- Second Loan Tranche: Up to ₹2,00,000 with a 30-month repayment tenure (available after successfully repaying Tranche 1).
- Interest Subvention: Beneficiaries pay an effective interest rate of only 5%, while the remaining interest burden is subsidized by the Central Government.
- Digital Transaction Incentive: To encourage digital adoption, a cash incentive of ₹1 per digital transaction (for up to 100 transactions per month) is credited to the beneficiary.
List of 18 Eligible Traditional Trades
The PM Vishwakarma Scheme covers 18 traditional family-based trades working in the unorganized sector using hands-on tools:
- Woodworking: Carpenter (Suthar)
- Marine Sector: Boat Maker
- Metalworking: Armourer, Blacksmith (Lohar), Hammer and Tool Kit Maker, Locksmith
- Craft & Precision Trades: Goldsmith (Sonar), Potter (Kumbhar), Sculptor (Moortikar) / Stone Carver, Stone Breaker
- Construction & Footwear: Cobbler (Shoemaker / Footwear artisan), Mason (Rajmistri)
- Sanitation & Weaving: Basket / Mat / Broom Maker, Coir Weaver
- Services & Traditional Crafts: Doll & Toy Maker (Traditional), Barber (Naee), Garland Maker (Malakar), Washerman (Dhobi), Tailor (Darzi), Fishing Net Maker
PM Vishwakarma Eligibility Criteria
Before initiating the online registration, verify the following eligibility prerequisites:
- Age Limit: The applicant must be at least 18 years old on the date of registration.
- Occupation: The applicant must be a self-employed artisan or craftsperson working in one of the 18 specified traditional trades within the unorganized sector.
- One Member Per Family: Benefits are restricted to one member per family unit (defined as husband, wife, and unmarried children).
- No Existing Active Credit Scheme Loans: Applicants should not have availed or have an active outstanding loan under PMEGP, PM SVANidhi, or PM MUDRA schemes in the last 5 years.
- Government Service Exclusion: Government employees and their immediate family members are ineligible for this scheme.
Important Documents Required for Online Registration
Keep the following documentation ready before filling out the online application:
- Aadhaar Card (Must be linked with an active mobile number)
- Active Mobile Number for OTP Verification
- Bank Account Details (Passbook copy, Account Number, and IFSC code linked with Aadhaar)
- Ration Card (Required for family unit verification)
- Skill or trade-related details for self-declaration
How to Apply Online for PM Vishwakarma Yojana (Step-by-Step Guide)
Enrolment for the PM Vishwakarma Yojana requires Aadhaar Biometric Authentication through Common Service Centres (CSC). Follow these steps for registration:
Step 1: Visit Official Portal or Nearby CSC Center
Visit the official portal at pmvishwakarma.gov.in or go to your nearest Common Service Centre (CSC) to initiate the process via the CSC portal login.
Step 2: Mobile Number & Aadhaar OTP Verification
The CSC operator will verify your Aadhaar-linked mobile number and Aadhaar number using a one-time password (OTP).
Step 3: Biometric Authentication
Perform biometric fingerprint authentication at the CSC center to establish verified identity details against your Aadhaar record.
Step 4: Complete the PM Vishwakarma Application Form
Fill in all required fields in the digital application form:
- Personal details and family composition (cross-verified via Ration Card data)
- Select your specific craft or trade category from the 18 listed options
- Provide bank account details for loan disbursement and training stipend transfers
Step 5: Document Upload & Final Submission
Review all entries carefully before final submission. After submitting, note down the generated Application Reference Number to track application progress.
Multi-Level Verification Process
Submitted applications undergo a structured three-tier clearance workflow:
- Stage 1 – Gram Panchayat / Urban Local Body (ULB) Level: Verification by local authorities to confirm genuine engagement in the artisan trade.
- Stage 2 – District Implementation Committee: Vetting and recommendation by the district-level committee.
- Stage 3 – Screening Committee Approval: Final review and clearance, after which the applicant’s profile status is marked as approved and the digital certificate becomes available for download.
How to Check PM Vishwakarma Application Status Online
- Visit the official website at
pmvishwakarma.gov.in. - Click on the Beneficiary Login button on the homepage.
- Enter your registered mobile number and authenticate with the OTP received.
- Access your personal dashboard to track application verification progress, download your PM Vishwakarma Certificate, and monitor loan sanction details.
Official Links & Support Contacts
- Official Website:
[https://pmvishwakarma.gov.in](https://pmvishwakarma.gov.in) - Toll-Free Helpline:
18002677777/17923 - Nodal Department: Ministry of Micro, Small and Medium Enterprises (MSME), Government of India
Disclaimer
This article is provided strictly for educational and informational purposes. To apply for the scheme, always use the official Central Government web portal pmvishwakarma.gov.in. Scheme terms, interest subvention rates, and eligibility rules are subject to updates issued by the Ministry of MSME.