✅ Meta Title:
PM Vishwakarma Scheme 2025 – ₹15,000 Tool Grant, ₹3-Lakh Loan for Artisans
✅ Meta Description:
Join the PM Vishwakarma Scheme 2025 to secure a ₹15,000 toolkit grant, a business loan of up to ₹3 lakh, skill training, and digital resources across 18 crafts.
🔍 Introduction: Honouring Heritage, Uplifting Livelihoods
For centuries, India’s traditional artisans have woven, carved, and crafted our culture into every corner of the subcontinent. While these makers stitch our identity, many still struggle with low income and scarce tools.
The PM Vishwakarma Kaushal Samman Yojana (PM-VIKAS) now offers more than praise — it pairs grants, loans, fresh training, and digital access in one package. Launched in 2023 and expanded in the 2025 Budget, the scheme targets 3 million+ families, offering a path to better jobs and stable income.PM Vishwakarma SchemePM Vishwakarma SchemePM Vishwakarma SchemePM Vishwakarma SchemePM Vishwakarma SchemePM Vishwakarma SchemePM Vishwakarma SchemePM Vishwakarma Scheme
🧵 What is PM Vishwakarma Yojana?
The PM Vishwakarma Yojana, implemented by the Ministry of MSME, is a central-sector initiative focused on empowering India’s Vishwakarma community—skilled artisans preserving age-old crafts across generations.
Key Objectives:
- 🪪 Formal Recognition: Identity certificate and branding
- 📚 Skill Development: Training tailored for each trade
- 🧰 Toolkit Support: ₹15,000 worth of modern tools
- 💰 Credit Support: ₹1 lakh first loan + ₹2 lakh second loan
- 🌐 Market & Digital Linkages: E-commerce onboarding, UPI, packaging
🎯 Target Beneficiaries
The scheme serves family-run artisans and workers in 18 traditional trades crucial to India’s rural and urban economies.
📜 List of Eligible Traditional Trades
- Carpenter (Suthar)
- Boat Maker
- Armourer
- Blacksmith (Lohar)
- Hammer & Tool-Kit Maker
- Locksmith
- Goldsmith (Sonar)
- Potter (Kumhar)
- Sculptor (Moortikar)
- Cobbler (Charmkar)
- Mason (Rajmistri)
- Coir/Basket/Broom Maker
- Toy Maker (Traditional)
- Barber (Naai)
- Garland Maker (Malakaar)
- Washerman (Dhobi)
- Tailor (Darzi)
- Fishing-Net Maker
✅ Eligibility Criteria
To apply under PM Vishwakarma, you must:
- ✅ Be an Indian citizen, aged 18+
- ✅ Belong to one of the 18 listed trades
- ✅ Be self-employed within a family setup
- ✅ Not employed in a government job
- ✅ One applicant per family only
- ✅ Not have availed a similar government loan before
📄 Required Documents
Prepare these before applying:
- Aadhaar (linked to mobile)
- PAN card
- Bank passbook with IFSC
- Passport-sized photo
- Trade proof (if available)
- Community certificate (if applicable)
🎁 Benefits of PM Vishwakarma Scheme 2025
| Benefit Type | Description |
|---|---|
| 🆔 Recognition | PM Vishwakarma ID + Certificate |
| 🧰 Toolkit Grant | ₹15,000 one-time support for tools |
| 🎓 Skill Training | 5-day basic + 15-day advanced skill development |
| 💳 Training Stipend | ₹500 per training day |
| 🏦 Credit Support | ₹3 lakh loan (₹1L + ₹2L) at 5% interest |
| 🛍️ Market Linkage | E-commerce onboarding, branding, packaging |
| 📲 Digital Tools | UPI QR, cashback, profile on govt and private marketplaces |
💸 Loan Details Under PM Vishwakarma
| Tranche | Amount | Interest | Tenure | Features |
|---|---|---|---|---|
| 1st Loan | ₹1,00,000 | 5% | 18 months | No collateral, fast approval |
| 2nd Loan | ₹2,00,000 | 5% | 30 months | After good repayment record |
🔒 Note: Loan is guaranteed by CGTMSE, making it accessible even to artisans without CIBIL or collateral.
🧠 Skill Training & Certification
Training delivered via KVIC, NSDC, State Missions, includes:
- 🛠️ Tool handling, productivity, safety
- 💼 Business & marketing skills
- 🧾 GST basics, digital payments, packaging
- 🎓 Certified skills for future business recognition
📝 How to Apply: Step-by-Step Guide
- Visit: https://pmvishwakarma.gov.in
- Click “Apply Now”
- Enter Aadhaar number and OTP
- Fill in personal & trade details
- Upload required documents
- Submit and wait for verification
- You’ll be contacted by your training partner
🔔 Tip: Keep Aadhaar-linked mobile handy.
🌐 Digital Empowerment Features
- Free UPI QR code for payments
- Cashback for digital transactions
- Profile on GeM, Amazon, Flipkart, ONDC
- Full digital identity for artisans
👤 Real Case Study: From Local Artisan to Online Seller
Name: Ramesh Bhagat
Trade: Blacksmith
Location: Bhilai, Chhattisgarh
Ramesh received ₹15,000 for new tools and ₹1 lakh loan to build a roadside shop. Post-training, he listed his products on Amazon Karigar, growing his monthly income from ₹9,000 to ₹32,000 in 9 months.
He is now ready to apply for the ₹2 lakh second loan to expand.
🔄 PM Vishwakarma vs Other MSME Schemes
| Feature | Vishwakarma | Mudra Yojana | CGTMSE Scheme |
|---|---|---|---|
| Toolkit Grant | ✅ Yes | ❌ No | ❌ No |
| Skill Training | ✅ Yes | Limited | ❌ No |
| Market Help | ✅ Yes | ❌ No | ❌ No |
| Collateral-Free Loan | ✅ Yes | ✅ Yes | ✅ Yes |
| Loan Amount | ₹3 Lakh | ₹10 Lakh | ₹5–10 Crore |
🔗 Related Guides You Might Like
- [Enhanced Credit Guarantee Scheme – CGTMSE 2025]
- [Micro Enterprise Credit Facility (ME-Card)]
- [Start-Up India for SC/ST & Women]
- [Udyam Registration Step-by-Step Guide]
❓ FAQ (Rich Snippet Enabled)
Q1. What is PM Vishwakarma Yojana 2025?
A central govt scheme offering skill training, tools, loan, and digital access for 18 traditional trades.
Q2. How much financial support is offered?
₹15,000 as toolkit grant + ₹3 lakh in loans (₹1L + ₹2L) at 5% interest.
Q3. Who is eligible?
Any Indian artisan aged 18+, from listed trades, not in govt job.
Q4. Is collateral needed for the loan?
No. It’s backed by CGTMSE guarantee.
Q5. Is training compulsory?
Yes. Basic + Advanced training is mandatory and includes stipend.
📢 Conclusion: A Pathway from Tradition to Transformation
The PM Vishwakarma Kaushal Samman Yojana 2025 is more than a loan—it’s a complete revival mission. It empowers traditional craftsmen with recognition, tools, credit, and digital reach.
From blacksmiths and tailors to potters and sculptors, this scheme helps them preserve their art while achieving economic dignity.
Last modified: July 19, 2025
