Discover all about PM Vishwakarma Yojana 2025 — India’s flagship scheme for artisans and traditional craftsmen. Learn eligibility criteria, ₹3 lakh loan details, 5% interest rate, toolkit incentives, training benefits, and application steps for artisans.
Real-Life Story: From Local Carpenter to Skilled Entrepreneur
In a small village near Tiruchirappalli, Tamil Nadu, Ravi Kumar, a 37-year-old carpenter, once struggled to expand his handcrafts business due to lack of funds. He often borrowed at high interest just to buy wood and tools. In 2024, after learning about PM Vishwakarma Yojana, he applied at a local CSC center. Within weeks, Ravi received his PM Vishwakarma ID card, completed his basic training, and took a ₹1 lakh craftsmanship loan at 5% interest. A year later, with better tools and visibility on e-commerce markets through GeM, he doubled his income. “I didn’t know the government could help artisans like me grow this fast,” he says proudly.
Ravi’s story mirrors the lives of thousands of traditional artisans—blacksmiths, tailors, potters, and goldsmiths—finding renewed purpose through PM Vishwakarma Yojana 2025.
PM Vishwakarma Yojana 2025 – Overview
Announced by Prime Minister Narendra Modi, the Pradhan Mantri Vishwakarma Yojana (PMVY) is a Central Sector Scheme fully funded by the Government of India. Its goal is to empower traditional artisans and craftspeople — the “Vishwakarmas” — by providing financial support, skill training, digital access, and marketing linkages.
Officially launched on Vishwakarma Jayanti (September 17, 2023), the scheme covers 18 traditional trades, aiming to benefit 30 lakh families across India by 2028.
Key Objectives
- Recognition: Provide formal identity through PM Vishwakarma Certificate and ID Card.
- Skill Training: Offer basic and advanced craft training with a daily ₹500 stipend.
- Credit Support: Access to collateral-free loans up to ₹3 lakh at just 5% per annum.
- Toolkit Incentive: ₹15,000 e-voucher to purchase modern toolkits.
- Digital Empowerment: Facilitate transactions via UPI and e-commerce onboarding.
- Market Linkages: Enable artisans to sell on digital platforms like GeM & ONDC.
Eligible Trades under PM Vishwakarma Yojana
The scheme recognizes artisans and craftspeople working in the following 18 traditional trades:
| Trade Name | Example Professions |
|---|---|
| Carpenter (Suthar) | Furniture makers, wood sculptors |
| Blacksmith (Lohar) | Tool and hardware makers |
| Goldsmith (Sunar) | Jewelry artisans |
| Potter (Kumhar) | Clay and terracotta product makers |
| Cobbler (Mochi) | Leather craft professionals |
| Barber (Nai) | Hairdressers, beauticians |
| Tailor (Darji) | Dress makers, embroiderers |
| Mason (Rajmistri) | House builders, tile setters |
| Boat Maker | Coastal artisans |
| Doll/Toy Maker | Handcrafted toy makers |
| Basket/Mat Maker | Bamboo & cane craft workers |
| Sculptor/Stone Breaker | Stone artists, engravers |
| Garland Maker | Flower decoration artisans |
| Locksmith | Lock and key makers |
| Washerman | Laundry service providers |
| Fishing Net Maker | Fishery equipment engineers |
| Armourer | Metal craftsmen |
| Hammer/Tool Kit Maker | Traditional workshop artisans |
Loan Structure and Financial Benefits
Credit Support
| Tranche | Loan Amount | Tenure | Condition |
|---|---|---|---|
| 1st Loan | Up to ₹1 lakh | 18 months | After completing basic training |
| 2nd Loan | Up to ₹2 lakh | 30 months | After repaying first tranche and completing advanced training |
Interest Rate: 5% p.a.
Government Interest Subsidy: 8% (borne by Govt of India, via MoMSME)
Type: Collateral-free enterprise development loan
Additional Financial Aid:
- ₹15,000 toolkit incentive (via e-voucher)
- Stipend of ₹500/day during training sessions
Example: Real-Life Earnings Impact
After completing his basic training under the scheme, Deepa Rani, a tailor from Coimbatore, used her ₹1 lakh Vishwakarma loan to buy a new stitching machine and software tools. She now fulfills online orders through GeM and Amazon Karigar, earning nearly ₹18,000 monthly — a threefold increase. “This loan wasn’t just money; it was confidence,” she says.
Eligibility Criteria
- Indian citizen aged 18 years or above.
- Engaged in one of the 18 identified trades within the unorganised sector.
- Uses hands or traditional tools for work.
- Only one family member can apply.
- Not currently a beneficiary of PM SVANidhi or similar government loans.
- Government employees and their household members are not eligible.
Documents Required
- Aadhaar Card
- PAN Card
- Bank Passbook copy
- Domicile and Age Proof
- Trade or business evidence (photo or validation by Gram Panchayat)
- Passport-size photographs
Toolkit & Training Incentives
| Benefit Type | Description | Amount/Duration |
|---|---|---|
| Toolkit Grant | e-Voucher to buy tools | ₹15,000 |
| Basic Training | Skill refresher (5 days) | ₹500/day stipend |
| Advanced Training | 15-day upgrade with modern techniques | ₹500/day stipend |
| Digital Incentives | ₹1 per UPI transaction (up to 100/month) | ₹100/month max |
Application Process – Step-by-Step
Offline Through CSC Centers:
- Visit nearest Common Service Centre (CSC).
- Provide Aadhaar-based biometric verification.
- Fill PM Vishwakarma application form.
- Upload photo and basic artisan trade details.
- Application verified through:
- Gram Panchayat / ULB verification
- District Recommendation
- Committee Approval
Online Process On Official Portal:
- Go to pmvishwakarma.gov.in.
- Click ‘Apply Now’.
- Fill in Aadhaar, bank, and trade details.
- Verify via OTP and biometric confirmation.
- Await verification SMS for loan eligibility.
Partnership with Banks
Eligible lending partners include:
- Scheduled Commercial Banks
- Regional Rural Banks (RRBs)
- Cooperative Banks
- NBFCs and Microfinance Institutions
These institutions provide loan disbursement, follow-ups, and direct deposits to beneficiaries’ Jan Dhan accounts.
Major Highlights of PM Vishwakarma Yojana 2025
| Feature | Details |
|---|---|
| Scheme Type | Central Sector Scheme (Fully Government-funded) |
| Beneficiaries | 30 lakh traditional artisans by 2028 |
| Total Loan | ₹3 Lakh (in two tranches) |
| Interest Rate | 5% fixed |
| Toolkit Value | ₹15,000 via e-voucher |
| Training Stipend | ₹500/day |
| Implementation | Ministry of MSME & NSDC |
| Platform | PMV Portal & CSCs |
Major Advantages
- Zero Collateral: Makes funding accessible to local artisans.
- Skill Enhancement: Free training with doorstep certification.
- Digital Literacy: Encourages artisans to accept online payments.
- Market Reach: Promotes exports through branding and e-commerce.
- Cultural Preservation: Supports continuation of India’s traditional crafts.
Challenges and Way Forward
While the scheme’s framework is solid, some artisans face delays in verification and digital onboarding. In 2025, the government has announced efforts to reduce approval times to under 30 days and expand coverage to more tribal and hilly region craftsmen.
Real Story: Redefining Legacy
Mohammed Farooq, a 50-year-old brass worker from Moradabad, now trains young apprentices using modern polishing kits received through the Vishwakarma program. His sons, who once wanted city jobs, now join him proudly. “This scheme saved my craft and gave my family back its pride,” he shares.
FAQs – PM Vishwakarma Yojana 2025
1. What is the loan limit under PM Vishwakarma Yojana?
Artisans can avail loans up to ₹3 lakh in two phases: ₹1 lakh initially and ₹2 lakh after repayment of the first.
2. What is the interest rate provided under the scheme?
Only 5% per annum, with 8% subvention paid by the government.
3. Who can apply for PM Vishwakarma Yojana?
Any artisan over 18 years old engaged in one of 18 identified traditional trades.
4. What financial incentives are given under the scheme?
₹15,000 toolkit voucher, ₹500 per day training stipend, and ₹100 monthly digital transaction incentive.
5. How can artisans register for the scheme?
Through any Common Service Centre (CSC) or directly on pmvishwakarma.gov.in.
6. Will women artisans get preference?
Yes, priority will be given to women under Self-Help Groups and rural clusters.
Call to Action
Are you an artisan, craftsman, or traditional worker eager to expand your skills and income? Don’t wait — the PM Vishwakarma Yojana 2025 is your launchpad.
Visit your nearest Common Service Centre or apply online at pmvishwakarma.gov.in to register today.
Empower your trade, upgrade your tools, and take your craft global with government-backed financial and training support.
Your hands create art — now let the nation invest in them.
Disclaimer: This article is based on personal experience and is for educational purposes only. It does not constitute financial, investment, or legal advice. Readers are advised to do their own research or consult a qualified professional before making any financial decisions.
