PM Vishwakarma Yojana 2026: Complete Guide to Benefits, Online Application, Eligibility & More

Empowering India’s Traditional Artisans: A Complete Resource for Vishwakarma Scheme

In the lanes of Varanasi, a carpenter shapes wood with techniques passed down through seven generations. In Rajasthan, a potter’s wheel spins stories older than memory. In Kerala, a coir weaver’s fingers move with rhythm learned from ancestors. These are India’s Vishwakarmas—the invisible hands that have sustained the nation’s traditional craftsmanship for centuries.

Yet for too long, these artisans worked in isolation, without formal recognition, access to modern tools, or affordable credit. The PM Vishwakarma Yojana, launched on September 17, 2023, by Prime Minister Narendra Modi on Vishwakarma Jayanti, was designed to change this reality permanently .

As we navigate through 2026, this comprehensive guide brings you the latest, most accurate information about the pm vishwakarma yojana online apply process, complete pm vishwakarma yojana benefits, eligibility criteria, and real-world impact. Whether you are a carpenter seeking a loan, a tailor wanting advanced training, or simply someone helping an artisan relative—this is your complete resource.

What is PM Vishwakarma Yojana? Understanding the Vision

PM Vishwakarma Yojana is a Central Sector Scheme, fully funded by the Government of India with a total outlay of ₹13,000 crore, implemented by the Ministry of Micro, Small and Medium Enterprises (MSME) .

But what does that mean in simple language? It means the government has set aside ₹13,000 crore exclusively for traditional artisans—not as charity, but as recognition, empowerment, and investment in skills that are India’s cultural heritage.

Launch Date: September 17, 2023
Duration: 5 years (FY 2023-24 to FY 2027-28)
Nodal Ministry: Ministry of MSME
Target Beneficiaries: 30 lakh artisans across 18 traditional trades
Training Target: 3 million artisans to be skilled and certified by 2027-28

Core Objectives –

The scheme is not merely about giving loans. Its fundamental objectives are:

Recognition: Formal identification of artisans as “Vishwakarma” through official certification
Skill Upgradation: Bridging the gap between traditional knowledge and modern market demands
Tool Modernization: Replacing outdated tools with contemporary, efficient equipment
Credit Accessibility: Collateral-free loans at nominal interest rates
Digital Empowerment: Bringing traditional artisans into the digital payment ecosystem
Market Integration: Connecting rural craftsmanship with national and global markets

“The Vishwakarma scheme is about giving the country’s skilled craftsmen their due respect and linking them with modern economic opportunities.” – PM Narendra Modi

PM Vishwakarma Yojana Benefits: What Artisans Actually Receive

The pm vishwakarma yojana benefits are structured as a holistic support package—from recognition to training, from tools to credit, and from digital payments to market access.

1. Recognition and Identity (The First Step to Dignity)

Every verified beneficiary receives:

PM Vishwakarma Certificate: Official government recognition of their skill and trade
PM Vishwakarma ID Card: A unique digital identity enabling access to all scheme benefits
Unique Digital Number: Created and reflected on both certificate and ID card

This documentation is transformative. For generations, these artisans worked without any formal proof of their profession. Today, a carpenter from Bihar can show a government-issued certificate verifying his expertise.

2. Skill Development with Daily Stipend

Basic Training:

Duration: 5-7 days (40 hours)
Focus: Fundamental skill enhancement, safety protocols, quality improvement

Advanced Training:

Duration: 15 days (120 hours) – optional but encouraged
Focus: Contemporary techniques, design innovation, product diversification

Training Stipend: ₹500 per day – paid directly to the beneficiary’s bank account for every day of training attended

Why this matters: Artisans are not forced to choose between learning and earning. While upgrading skills, they continue to receive daily income.

3. Toolkit Incentive: ₹15,000 for Modern Equipment

A one-time grant of ₹15,000 is provided to every beneficiary to purchase modern tools relevant to their trade. This amount is disbursed as e-RUPI vouchers through Direct Benefit Transfer (DBT) after successful skill verification .

Example: A traditional cobbler using a manual stitching awl can now afford a semi-automatic sewing machine. A potter can upgrade from a manual wheel to an electric potter’s wheel.

4. Collateral-Free Credit Support (The Heart of the Scheme)

This is the most significant financial intervention under the scheme.

Particulars	First Tranche	Second Tranche
Loan Amount	₹1,00,000	₹2,00,000
Repayment Tenure	18 months	30 months
Interest Rate (Beneficiary)	5%	5%
Interest Subvention by Govt	8%	8%
Collateral	None	None
Credit Guarantee Fee	Borne by Govt of India	Borne by Govt of India

Important Conditions:

Second tranche is available only after successful repayment of first tranche
Beneficiary must maintain a standard loan account
Adoption of digital transactions in business is encouraged

How the 5% Interest Works:
Banks typically charge around 13% interest on MSME loans. Under this scheme, the beneficiary pays only 5%. The Government of India pays the remaining 8% directly to the bank as interest subvention. This is upfront subvention, not reimbursement.

5. Digital Transaction Incentive

To encourage cashless economy adoption among traditional artisans:

₹1 per eligible digital transaction
Maximum: 100 transactions per month (up to ₹100 monthly)
Credited via DBT through Aadhaar Payment Bridge System

This is not a large sum, but its purpose is behavioral—to familiarize artisans with UPI, QR codes, and mobile banking.

6. Marketing and Branding Support

The National Committee for Marketing (NCM) provides comprehensive marketing assistance:

Quality Certification for products
Branding and Promotion assistance
E-commerce Linkages – onboarding platforms like Amazon, Meesho, Fab India
Trade Fair Participation – both domestic and international
Advertising and Publicity support
Packaging Design Improvement

State-Level Example (Rajasthan):
Rajasthan has emerged as a top performer, providing artisans access to e-commerce platforms and offline marketing through Delhi Haat and railway stations. The state ranks first nationally in registrations for trades like goldsmith, hammer and toolkit maker, potter, and sculptor .

18 Eligible Trades: Who is a Vishwakarma?

The scheme initially covers 18 traditional family-based trades. To be eligible, the artisan must be engaged in self-employment within the unorganized sector in one of these occupations :

S.No	Trade Name (English)	Trade Name (Hindi/Regional)
1	Carpenter	Suthar / Badhai
2	Blacksmith	Lohar
3	Boat Maker	Nauka Nirman
4	Armourer	Hathiyar Nirman
5	Hammer and Tool Kit Maker	Hathoda evam Upkaran Nirman
6	Locksmith	Taledar
7	Goldsmith	Sonar
8	Sculptor / Stone Carver / Stone Breaker	Moortikar / Pathar Tashkari
9	Potter	Kumhaar
10	Cobbler / Shoesmith / Footwear Artisan	Charmkar / Juta Nirman
11	Basket/Mat/Broom Maker / Coir Weaver	Tokri/Chatai/Jhadu Nirman
12	Mason	Rajmistri
13	Barber	Naai
14	Doll & Toy Maker (Traditional)	Gudiya evam Khilona Nirman
15	Garland Maker	Malakaar
16	Washerman	Dhobi
17	Tailor	Darzi
18	Fishing Net Maker	Machhli Jaal Nirman

Note: These 18 trades are included in the first phase. There is potential for expansion based on scheme performance and feedback.

PM Vishwakarma Yojana Eligibility Criteria: Who Can Apply?

Eligibility is strictly defined to ensure benefits reach the intended beneficiaries. Before proceeding with pm vishwakarma yojana online apply, verify these conditions:

Mandatory Eligibility Requirements –

Age: Minimum 18 years on the date of registration
Occupation: Must be engaged in one of the 18 specified traditional trades on a self-employment basis in the unorganized sector
Family Definition: Only one member per family can register. Family is defined as:

Husband
Wife
Unmarried children (minimum 18 years of age)

Employment Status: Applicant or family members should not be employed by the government
Previous Credit: Must not have availed loans under similar credit-based central schemes in the last five years, including:

PMEGP (Prime Minister’s Employment Generation Programme)
PM SVANidhi
MUDRA Loan, etc.

Active Practice: Must be actively practicing the relevant trade at the time of registration

Important Clarifications –

Digitally unbanked artisans are eligible, but they must first open an Aadhaar-linked bank account (CSCs provide assistance for this)
Women artisans receive 2% additional interest concession on loans and are prioritized in skill development and marketing assistance
SC/ST/OBC/Minority/Divyangjan status is recorded but does not affect eligibility—the scheme is open to all

Documents Required for PM Vishwakarma Yojana

Keeping documents ready before starting pm vishwakarma yojana online apply saves significant time. Here is the complete checklist :

Mandatory Documents –

Document	Purpose
Aadhaar Card	Primary identity verification, biometric authentication
Mobile Number	Must be linked to Aadhaar (for OTP verification)
Bank Account Details	Passbook copy, account number, IFSC code (for benefit disbursement)
Passport Size Photograph	Recent, clear photograph

Supporting Documents (If Applicable) –

Document	When Required
Ration Card	For family member verification (if available)
Aadhaar Cards of Family Members	If ration card is not available, to establish family composition
Caste Certificate	Optional – for demographic records
Income Certificate	For verification purposes
Business/Profession Proof	Any document showing engagement in the trade

Critical Note: If the applicant does not have a bank account, the Common Service Centre (CSC) is authorized to assist in opening an account as part of the registration process .

PM Vishwakarma Yojana Online Apply: Step-by-Step Process

The pm vishwakarma yojana online apply process is designed to be accessible even for those with limited digital literacy. However, it is mandatory to complete registration through a Common Service Centre (CSC) or with assistance from a Village Level Entrepreneur (VLE) .

Direct self-registration on the portal is not permitted. This policy ensures proper authentication and reduces fraudulent applications.

Method 1: Apply Through Common Service Centre (Recommended)

Step 1: Locate Your Nearest CSC

Visit any authorized Common Service Centre in your area
These are present in almost all villages and urban wards
Village Level Entrepreneurs (VLEs) operate these centers

Step 2: Aadhaar and Mobile Verification

Provide your Aadhaar card and Aadhaar-linked mobile number
Biometric authentication (fingerprint/iris scan) is completed at the CSC
OTP verification on your mobile

Step 3: Artisan Registration

CSC operator logs into the PM Vishwakarma portal
Selects “CSC – Register Artisans” from the login dropdown
Completes initial declarations:
Confirms no family member is in government service
Confirms no similar scheme benefits availed in last 5 years

Step 4: Fill Application Form
The CSC operator will enter:

Personal details (auto-fetched from Aadhaar)
Marital status, category (SC/ST/OBC/Gen)
Divyangjan status, minority status
Contact information
Family details (via ration card or manual entry)
Address details (Aadhaar address and current address)
Gram Panchayat or Urban Local Body affiliation

Step 5: Trade and Business Details

Select your trade from the 18 eligible options
Indicate whether it is a family profession
Provide business address

Step 6: Bank Account Information

Account number, IFSC code, branch details
This is mandatory for all benefit disbursements

Step 7: Credit Support Requirement

Specify if you need the first tranche loan (₹1 lakh)
State loan purpose and estimated income details

Step 8: Digital Preparedness

Share UPI ID (if available)
Provide mobile number linked for digital transactions
This enables digital transaction incentives later

Step 9: Acknowledgment and Submission

Review all information
Accept declarations and terms
Submit application
Collect the Registration Number displayed on screen

Step 10: Download/Collect Acknowledgment Slip

The CSC provides an acknowledgment slip with application number
This number is required for future status tracking

Method 2: Physical Application Submission (Varies by State)

Some states/UTs also accept physical application forms during the initial beneficiary identification phase. For example, UT Chandigarh allowed artisans to submit filled forms at:

Room No. 08, National Urban Livelihood Mission, Municipal Corporation, Sector 17
District Implementation Centre, Department of Industries

However, online registration through CSC is the standard, pan-India process.

Application Fees –

There are NO application fees, registration charges, or certificate fees. If any CSC operator demands money for registration, it can be reported to the helpline .

How to Check PM Vishwakarma Yojana Application Status

After successful pm vishwakarma yojana online apply, beneficiaries can track their application status through the official portal .

Online Status Check Process

Step 1: Visit the official portal: https://pmvishwakarma.gov.in

Step 2: Click on “Beneficiary Login” on the homepage

Step 3: Enter your registered mobile number and captcha code

Step 4: Click “Submit” – an OTP will be sent to your mobile

Step 5: Enter the OTP to proceed

Step 6: View your dashboard showing:

Application Status (Pending / Under Verification / Approved / Rejected)
Toolkit Incentive Payment Status
Loan Approval and Disbursement Status
Training Stipend Status

What Happens After Application?

The verification process has three stages:

Gram Panchayat / Urban Local Body Level Verification

Officials verify the applicant’s residence, trade practice, and eligibility
Physical verification may be conducted

District Implementation Committee (DIC) Review

Committee examines the application and verification report
Makes recommendation

Screening Committee Final Approval

Final eligibility confirmation
Approval for benefits

Timeframe: Complete verification typically takes 30-45 days. Loan disbursement follows shortly after approval .

PM Vishwakarma Yojana 2026: Latest Updates and Progress

Scheme Duration and Availability

How long is PM Vishwakarma Yojana open?

The scheme is approved for five years, from FY 2023-24 to FY 2027-28. The current PM Vishwakarma Yojana 2026 phase is fully active, and registrations continue through Common Service Centres. The scheme will remain operational until March 31, 2028 .

There is no fixed “last date” for registration—artisans can apply throughout the scheme period. However, early application is recommended as benefits (especially training and toolkit incentives) are disbursed in phases based on verification queues.

State-Wise Progress: Real Impact Numbers

The scheme has witnessed remarkable traction across states. Rajasthan has emerged as a national leader :

Rajasthan Performance Snapshot (as of January 1, 2026):

Metric	Achievement
Artisans Provided Loan	53,552
Total Loan Amount Disbursed	₹466.70 crore
National Ranking (Loan Disbursement)	2nd
National Ranking (Toolkit & Training)	3rd
Average Loan Ticket Size	₹87,000 (vs national avg ₹83,000)
Top Performing Trades	Goldsmith, Hammer & Toolkit Maker, Potter, Sculptor

Rajasthan’s success is attributed to:

Strong coordination between state government, banks, and DICs
Active marketing support through e-commerce platforms
Offline sales opportunities at Delhi Haat and railway stations

All India Applications: According to available data, over 2.31 crore applications have been received across states and UTs . While not all applicants will meet eligibility criteria, this overwhelming response demonstrates the massive unmet need the scheme is addressing.

Training Targets –

The Ministry of Skill Development and Entrepreneurship aims to train approximately 3 million candidates under PM Vishwakarma Yojana by 2027-28, making it one of the largest skill development convergence programmes in India .

PM Vishwakarma Yojana Helpline and Contact Information

For any queries regarding pm vishwakarma yojana online apply, benefits, or status:

Toll-Free Helpline Numbers –

1800-267-7777
17923

Ministry of MSME Champions Desk –

Phone: 011-23061574
Email: champions[at]gov[dot]in

Official Portal –

Website: https://pmvishwakarma.gov.in

State Nodal Officers

For state-specific queries, visit the official portal, navigate to the “Contact Us” section, and select your state/UT from the dropdown menu to get details of nodal officers .

Frequently Asked Questions (FAQs)

1. What is PM Vishwakarma Yojana?

PM Vishwakarma Yojana is a Central Sector Scheme launched in September 2023 to support traditional artisans and craftspeople engaged in 18 family-based trades. It provides recognition, skill training with ₹500 daily stipend, ₹15,000 toolkit incentive, collateral-free loans up to ₹3 lakh at 5% interest, digital transaction incentives, and marketing support .

2. How to apply for PM Vishwakarma Yojana?

You cannot apply directly online. You must visit your nearest Common Service Centre (CSC) with your Aadhaar card and bank account details. The CSC operator will complete your registration on the official portal (pmvishwakarma.gov.in). Physical application submission is also accepted in some states through designated offices .

3. How long is PM Vishwakarma Yojana open?

The scheme is approved for five years—from September 17, 2023 to March 31, 2028. Registrations are open throughout this period. However, training and loan disbursement happen in phases, so early application is recommended .

4. What is PM Vishwakarma Yojana 2026?

PM Vishwakarma Yojana 2026 refers to the ongoing phase of the scheme in the calendar year 2026. All original scheme features, benefits, and processes remain unchanged. The scheme continues its five-year tenure with full implementation across all states and UTs .

5. Who is eligible for PM Vishwakarma Yojana?

Artisans who:

Are 18 years or older
Are engaged in self-employment in one of 18 specified traditional trades
Have not availed similar credit-based schemes in last 5 years
Are not government employees
Are the only applicant from their family

6. Can I get a loan without collateral?

Yes. All loans under PM Vishwakarma Yojana are completely collateral-free. The credit guarantee fee is also borne by the Government of India .

7. What is the interest rate on PM Vishwakarma loans?

Beneficiaries pay a concessional interest rate of 5%. The Government of India provides an 8% interest subvention to the bank. This is an upfront subvention, not a post-disbursement reimbursement .

8. How much loan can I get?

First Tranche: ₹1,00,000 (repayment: 18 months)
Second Tranche: ₹2,00,000 (repayment: 30 months)
Total: Up to ₹3,00,000

9. Is the training stipend paid to everyone?

Yes. Every beneficiary who attends basic training (5-7 days) and advanced training (15 days) receives ₹500 per day directly in their bank account .

10. Can two members from the same family apply?

No. Only one member per family (defined as husband, wife, and unmarried children) is eligible to register and avail benefits under the scheme .

11. I took a MUDRA loan in 2020. Can I apply?

No. Applicants who have availed loans under similar credit-based schemes (PMEGP, PM SVANidhi, MUDRA, etc.) in the last five years are not eligible .

12. I don’t have a bank account. Can I still apply?

Yes. The Common Service Centre (CSC) can assist you in opening an Aadhaar-linked bank account as part of the registration process. This is mandatory for receiving benefits .

13. What is the PM Vishwakarma ID Card?

It is a government-issued digital identity card provided to all verified beneficiaries. It contains a unique digital number and officially recognizes the artisan as a “Vishwakarma,” making them eligible for all scheme benefits .

14. Is the scheme available in my state?

Yes. PM Vishwakarma Yojana is implemented in all Indian states and union territories. Awareness workshops and implementation committees are active nationwide—from Mizoram to Rajasthan, from Nagaland to Chandigarh .

15. Are there any charges for application?

No. Registration, application, certificate issuance, and loan processing are completely free. If anyone demands money, report it immediately to the toll-free helpline (1800-267-7777) .

Conclusion: A Scheme Transforming Lives

The PM Vishwakarma Yojana 2026 is more than just a financial scheme; it is a movement to restore dignity to the labor of our hands. By utilizing the pm vishwakarma yojana online apply facility at your nearest CSC, you can unlock a world of pm vishwakarma yojana benefits that can scale your business to new heights.

If you are an artisan or know someone who is, now is the time to act. With the scheme open until 2028, the road to modernization and financial independence is wide open.

The scheme is open until 2028. But your opportunity begins now.