PM Vishwakarma — ₹15,000 Grant + ₹3L Loans for Artisans — Frequently Asked Questions

A beneficiary can get a ₹15,000 toolkit grant plus collateral-free Enterprise Development Loans of up to ₹1,00,000 in the first tranche and ₹2,00,000 in the second — roughly ₹3.1 lakh in credit in total. Training days carry a stipend of ₹500 per day, and digital transactions earn ₹1 each, up to 100 a month.

It is a combination of a grant and debt, with no equity involved. The ₹15,000 toolkit incentive never has to be returned, while the Enterprise Development Loans are repaid over 18 months (first tranche) or 30 months (second tranche). The government does not take any ownership stake in your business, so nothing is diluted.

You must be an artisan or craftsperson whose work is done with hands and tools in one of the 18 traditional trades recognised as family-based under the scheme. You need to be operating in the unorganised sector on a self-employment basis, be at least 18 years old at registration, and still be practising the trade on the day you register.

No. PM Vishwakarma runs on a rolling basis, so applications are accepted throughout the year rather than against a fixed closing date. You can begin enrolment at a Common Service Centre whenever you are ready.

The Enterprise Development Loans are offered at a concessional 5% rate. The Ministry of MSME provides interest subvention capped at 8%, and credit guarantee fees are also borne by the government. Because the loans are collateral-free, no assets need to be pledged against them.

No. Registration and benefits under PM Vishwakarma are restricted to one member of a family, so a single household cannot claim the scheme twice.

That depends on timing. Applicants who have availed loans in the past five years under similar credit-based self-employment or business development schemes of the Central or State Government are excluded — PMEGP, PM SVANidhi and Mudra are the named examples. If your loan falls outside that five-year window, this restriction does not apply.

Enrolment starts at your nearest Common Service Centre. You will need your Aadhaar number and the mobile number linked to your Aadhaar, because verification uses a 6-digit OTP sent to that number. Biometrics are captured at the CSC, and the online form requires all mandatory fields to be filled in. Keep the Application Number generated on submission for tracking.

Your application goes through three verification stages. Eligibility is checked at the Gram Panchayat or Urban Local Body level, then the District Implementation Committee vets and recommends it, and finally the Screening Committee gives approval once the eligibility criteria are met. After that you are registered as a Vishwakarma and issued your Digital ID, Digital Certificate and ID Card.

Alongside the money, beneficiaries receive formal recognition as a Vishwakarma, skill upgradation training at both basic and advanced levels, support for acquiring modern tools, incentives for digital transactions, and marketing assistance through the National Committee for Marketing — covering quality certification, branding, promotion, e-commerce linkages and trade fair participation.

Applications are made through the official scheme portal at https://pmvishwakarma.gov.in/, using the 'CSC - Register Artisans' login, with biometric verification completed at a Common Service Centre.

No. DPIIT (Startup India) recognition is not listed as a mandatory requirement for PM Vishwakarma — ₹15,000 Grant + ₹3L Loans for Artisans, though having it can strengthen your application and unlock other benefits.

PM Vishwakarma — ₹15,000 Grant + ₹3L Loans for Artisans is offered by Ministry of MSME, a government body. It is provided as non-dilutive funding.

Apply directly through the official application link on this page. Review the eligibility criteria and prepare your startup documents before you begin.