PM Vishwakarma Yojana 2026 traditional artisans aur craftspeople ke liye Government of India ki Central Sector Scheme hai. Isme eligible beneficiaries ko PM Vishwakarma Certificate aur ID Card, skill training, ₹15,000 tak toolkit incentive, ₹3 lakh tak collateral-free enterprise loan, digital transaction incentive aur marketing support diya jata hai.
PM Vishwakarma Yojana 2026 kya hai?
PM Vishwakarma Scheme 17 September 2023 ko launch ki gayi thi. Iska objective un artisans aur craftspeople ko formal recognition, modern skill training, tools, affordable credit aur market support dena hai jo apne haath aur tools se traditional family-based trades me kaam karte hain. Scheme ka total financial outlay ₹13,000 crore hai aur ye FY 2023-24 se FY 2027-28 ke framework me chal rahi hai.
September 2026 me scheme ne teen saal complete kiye. 15 September 2026 tak official government update ke mutabik registration target 30 lakh beneficiaries tak pahunch chuka tha, 24.37 lakh se zyada artisans basic skill training le chuke the, 18.16 lakh se zyada toolkits receive kar chuke the aur 6.19 lakh se zyada loans sanction ho chuke the.
PM Vishwakarma Yojana 2026 ke main benefits
| Benefit | Details |
|---|---|
| Recognition | PM Vishwakarma Certificate aur ID Card |
| Basic Skill Training | 5–7 din, ₹500 per day stipend |
| Advanced Training | 15 din ya usse adhik, ₹500 per day stipend |
| Toolkit Incentive | ₹15,000 tak e-voucher ke through |
| First Loan Tranche | ₹1 lakh tak, 18 months tenure |
| Second Loan Tranche | ₹2 lakh tak, 30 months tenure |
| Interest Rate | Beneficiary ke liye concessional 5% per annum |
| Digital Transaction Incentive | Eligible digital receipt/payout par ₹1 per transaction, maximum 100 transactions per month |
| Marketing Support | Branding, exhibitions, trade fairs, GeM/e-commerce aur market linkage support |
₹3 lakh loan kaise milta hai?
PM Vishwakarma Yojana ke under collateral-free Enterprise Development Loan maximum ₹3 lakh tak diya ja sakta hai. Ye amount ek saath nahi milta, balki do tranches me hota hai:
- First tranche: ₹1 lakh tak, repayment tenure 18 months. Basic Training complete karne ke baad beneficiary is tranche ke liye eligible ho sakta hai.
- Second tranche: ₹2 lakh tak, repayment tenure 30 months. Iske liye first loan account standard rehna chahiye aur beneficiary ko digital transactions adopt karne ya Advanced Training complete karne jaise scheme conditions meet karni hoti hain.
Beneficiary ke liye concessional interest rate 5% fixed hai. Government interest subvention ka part bear karti hai. Loan sanction automatic nahi hota; bank/financial institution ki applicable verification aur scheme conditions complete karni hoti hain.
₹15,000 toolkit incentive kaise milta hai?
Eligible beneficiaries ko modern tools purchase karne ke liye ₹15,000 tak toolkit incentive e-voucher ke form me diya jata hai. Iska purpose artisan ki productivity aur product/service quality improve karna hai. Toolkit benefit Basic Skill Training process se linked hai; isliye sirf registration kar dene se amount directly cash me mil jana assume nahi karna chahiye.
PM Vishwakarma Yojana eligibility 2026
Official scheme criteria ke mutabik applicant ko niche diye gaye core conditions check karne chahiye:
- Applicant traditional artisan/craftsperson ho aur apne haath aur tools se scheme ke notified 18 trades me se kisi ek me self-employment basis par kaam karta ho.
- Registration ki date par minimum age 18 years honi chahiye.
- Applicant registration ke samay concerned traditional trade me actively engaged ho.
- Scheme benefits ek family me generally sirf ek member ko milte hain. Family me husband, wife aur unmarried children include hote hain.
- Government service me kaam karne wala vyakti aur uske family members eligible nahi hote.
- Pichhle 5 saal me PMEGP, MUDRA, PM SVANidhi jaise similar credit-based self-employment schemes ke loan conditions applicable hain. Fully repaid MUDRA/PM SVANidhi beneficiaries ke liye scheme guidelines me eligibility exception diya gaya hai.
Important: Final eligibility verification local body, district-level process aur scheme approval mechanism ke through hoti hai. Kisi agent ko approval guarantee ke naam par paise na dein.
PM Vishwakarma ke 18 eligible trades
- Carpenter / Badhai
- Boat Maker
- Armourer
- Blacksmith / Lohar
- Hammer and Tool Kit Maker
- Locksmith
- Goldsmith / Sonar
- Potter / Kumhaar
- Sculptor / Stone Carver / Stone Breaker
- Cobbler / Shoesmith / Footwear Artisan
- Mason / Rajmistri
- Basket, Mat, Broom Maker / Coir Weaver
- Traditional Doll and Toy Maker
- Barber / Naai
- Garland Maker / Malakaar
- Washerman / Dhobi
- Tailor / Darzi
- Fishing Net Maker
Registration aur apply process
September 2026 ke official PIB update ke mutabik PM Vishwakarma registration/application Common Service Centres (CSCs) ke through submit ki jati hai. User ko kisi unofficial website par personal details ya payment submit nahi karna chahiye.
- Nearest authorised CSC par jayein aur PM Vishwakarma registration availability check karein.
- Aadhaar aur required beneficiary details ke saath registration process complete karayein.
- Trade aur family-related information sahi fill karayein.
- Registration ke baad verification Gram Panchayat ya Urban Local Body level par hota hai.
- District Implementation Committee application ko vet/recommend karti hai.
- Final approval Screening Committee process se hota hai.
- Approval ke baad scheme ke relevant components—training, toolkit, loan, digital incentive aur market support—applicable stage ke hisaab se milte hain.
Official portal information ke liye pmvishwakarma.gov.in visit karein. Registration status aur local availability ke liye CSC se verify karna best rahega.
Kaun se documents ready rakhein?
Exact document requirement registration stage aur verification ke hisaab se vary kar sakti hai. Practical taur par Aadhaar-based identification, mobile number, bank/account-related information aur trade/family details ready rakhna useful hai. CSC par registration start karne se pehle current document checklist confirm karein, kyunki local verification ke dauran additional proof manga ja sakta hai.
Loan aur toolkit ke naam par fraud se kaise bachein?
- Sirf official portal aur authorised CSC ka use karein.
- WhatsApp/Telegram par “guaranteed ₹3 lakh loan” ya “instant ₹15,000 cash” wale claims par bharosa na karein.
- OTP, Aadhaar authentication ya banking credentials unknown person ko share na karein.
- Scheme benefit ko direct cash giveaway samajhne ke bajay official stage-wise process follow karein.
- Loan approval ko guaranteed na maanein; applicable verification aur banking process hota hai.
PM Vishwakarma Yojana 2026 latest status
Government ke 16 September 2026 update ke mutabik scheme ka 30 lakh registration target achieve ho chuka tha. 15 September 2026 tak 24.37 lakh se zyada artisans Basic Skill Training complete kar chuke the, 18.16 lakh se zyada beneficiaries ko toolkits mili thi aur 6.19 lakh se zyada loans, lagbhag ₹5,316 crore value ke, sanction ho chuke the. Ye figures scheme ke national progress ko show karte hain; individual application status beneficiary ko official channel se hi verify karna chahiye.
Frequently Asked Questions
PM Vishwakarma Yojana me kitna loan milta hai?
Eligible beneficiary ko Enterprise Development Loan maximum ₹3 lakh tak do tranches me mil sakta hai—₹1 lakh aur ₹2 lakh.
PM Vishwakarma loan par interest kitna hai?
Scheme ke under beneficiary ke liye concessional interest rate 5% per annum fixed hai, subject to scheme conditions.
Toolkit ke liye kitna benefit hai?
Modern tools ke liye ₹15,000 tak toolkit incentive e-voucher ke form me diya jata hai.
Training me stipend milta hai?
Haan. Basic aur Advanced Skill Training ke dauran ₹500 per day stipend ka provision hai.
Kya online ghar se direct apply kar sakte hain?
September 2026 ke official government update me applications Common Service Centres (CSCs) ke through submit hone ki baat kahi gayi hai. Isliye nearest authorised CSC se current registration process confirm karein.
Scheme kin logon ke liye hai?
Ye scheme notified 18 traditional trades me hands-and-tools based self-employed artisans aur craftspeople ke liye hai, subject to eligibility and verification.
Official sources
- PM Vishwakarma Official Portal
- PIB: PM Vishwakarma – Strengthening Traditional Artisans and Craftspeople (16 September 2026)
- PIB: Eligibility and scheme conditions
- PIB: Training, toolkit and credit benefits
Last verified: 25 September 2026. Government schemes ke rules, registration windows aur implementation details update ho sakte hain; application se pehle official portal/CSC se latest status verify karein.