🔨 Business & Self-employment

PM Vishwakarma

PM Vishwakarma supports traditional artisans like carpenters, tailors, barbers, potters and goldsmiths. You get free training with ₹500 a day, ₹15,000 for modern tools, and cheap loans of up to ₹3 lakh at 5% interest without collateral.

Last updated: 8 October 2026Central Government scheme

Loans₹1 lakh + ₹2 lakh

Interest5%

Toolkit₹15,000

Training₹500 / day

What is PM Vishwakarma?

PM Vishwakarma is a Central Government scheme for artisans and craftspeople who work with their hands and tools, often in a family trade. It was launched on 17 September 2023 and runs until 2027-28. Its target of 30 lakh registrations has been reached.

Benefits

PM Vishwakarma certificate and ID card.
Training: basic training of 5–7 days and advanced training of 15 days or more, with a stipend of ₹500 per day.
Toolkit incentive of up to ₹15,000 (e-voucher) to buy modern tools.
Collateral-free loans: up to ₹1 lakh first (repay in 18 months), then up to ₹2 lakh (repay in 30 months), at just 5% interest. The government pays up to 8% of the interest.
Incentives for digital payments, and help with marketing your products.

The 18 trades covered

Carpenter, boat maker, armourer, blacksmith, hammer and tool kit maker, locksmith, goldsmith, potter, sculptor / stone carver / stone breaker, cobbler (cobbler / shoe-smith / footwear artisan), mason, basket / mat / broom maker and coir weaver, traditional doll and toy maker, barber, garland maker, washerman, tailor, and fishing net maker.

Who can apply?

Age 18 or above, working with hands and tools in one of the 18 trades on a self-employed basis.
One member per family can register.
Should not have taken a loan under a similar central or state self-employment scheme (such as PMEGP, PM SVANidhi or Mudra) in the last five years, unless it has been fully repaid.
People in government service and their family members are not eligible.

How to register

Visit your nearest Common Service Centre (CSC) with Aadhaar, your mobile number and bank details.
Register on the PM Vishwakarma portal through the CSC (Aadhaar-based eKYC).
Your application is verified by the gram panchayat or urban local body, then by the district committee.
After approval, you get your certificate and ID, and can attend training and apply for the toolkit and loan.

Official portal: pmvishwakarma.gov.in (Ministry of MSME)

Frequently asked questions

How much loan do I get under PM Vishwakarma?

Up to ₹3 lakh without collateral: ₹1 lakh first and then ₹2 lakh, at 5% interest.

Which trades are covered?

18 traditional trades, including carpenter, tailor, barber, goldsmith, potter, mason, cobbler, blacksmith, washerman and garland maker.

How much is the PM Vishwakarma toolkit amount?

Up to ₹15,000 as an e-voucher to buy modern tools.

Do I get paid during training?

Yes. Trainees get a stipend of ₹500 per day.

Where do I register for PM Vishwakarma?

At your nearest Common Service Centre (CSC) with Aadhaar, mobile number and bank details.

Sources

This guide is for general information only. Scheme rules, amounts and dates can change. Always check the official portal before applying. Kramavriddhi is not affiliated with the Government of India.