PM Vishwakarma Yojana 2026 - Apply Online, Loan & Rs 15,000 Toolkit
PM Vishwakarma Yojana is a Government of India scheme that supports traditional artisans and craftspeople - carpenters, blacksmiths, tailors, potters, cobblers, goldsmiths and more. It provides skill training with a daily stipend, a Rs 15,000 toolkit incentive, and collateral-free loans up to Rs 3 lakh at a low interest rate. Here is the complete 2026 guide to eligibility, benefits and online application.
What Is PM Vishwakarma Yojana?
The scheme recognises and strengthens India's traditional craftsmen (Vishwakarmas) who work with their hands and tools. It gives them recognition through a certificate and ID, modern skills through training, and financial support to grow their work into a sustainable livelihood.
18 Trades Covered
The scheme covers 18 traditional trades, including:
- Carpenter, Boat maker, Blacksmith, Hammer and tool kit maker
- Locksmith, Goldsmith, Potter, Sculptor (stone carver), Cobbler / footwear artisan
- Mason (Rajmistri), Basket / mat / broom maker, Doll and toy maker (traditional)
- Barber, Garland maker, Washerman, Tailor, Fishing net maker
Key Benefits
| Benefit | Details |
|---|---|
| Recognition | PM Vishwakarma certificate and ID card |
| Skill training | Basic and advanced training |
| Training stipend | Around Rs 500 per day during training |
| Toolkit incentive | Rs 15,000 to buy modern tools |
| Loan - first tranche | Up to Rs 1,00,000 collateral-free |
| Loan - second tranche | Up to Rs 2,00,000 collateral-free |
| Interest rate | Concessional rate around 5% |
Note: The second loan tranche of up to Rs 2 lakh is given only after you repay the first tranche on time and have adopted digital transactions and the standard work practices taught in training.
Who Is Eligible
- The applicant must be engaged in one of the 18 listed trades using hands and tools.
- Minimum age of 18 years at the time of registration.
- Should not have taken a similar credit-based scheme loan (such as PMEGP, Mudra, or SVANidhi) in recent years - check the latest rule on the portal.
- Only one member per family can benefit, and government employees and their families are excluded.
Documents Required
- Aadhaar card
- Mobile number (linked to Aadhaar)
- Bank account details
- Ration card (for family verification)
How to Apply Online - Step by Step
- Applications are usually done at a Common Service Centre (CSC), since registration needs biometric Aadhaar authentication.
- Visit the official portal pmvishwakarma.gov.in to read details and locate your nearest CSC.
- At the CSC, complete mobile and Aadhaar verification (e-KYC).
- Fill the registration form with your trade and personal details.
- Apply through the portal - your application goes through a three-step verification (Gram Panchayat / ULB, District, and screening committee).
- After approval, download your PM Vishwakarma certificate and ID card.
- Attend the training, claim the toolkit incentive, and apply for the loan as needed.
Tip: Keep your Aadhaar-linked mobile active during application, as several OTPs are needed. Complete the basic training fully - the toolkit incentive and loan eligibility depend on it.
Why This Scheme Matters
Many skilled craftspeople struggle to buy good tools or get affordable credit from banks. PM Vishwakarma Yojana solves both - it puts modern tools in their hands and gives low-cost, collateral-free loans, helping traditional skills survive and grow into proper small businesses.
Frequently Asked Questions
What benefits do I get under PM Vishwakarma Yojana?▼
You receive a PM Vishwakarma certificate and ID card, skill training with a stipend of around Rs 500 per day, a Rs 15,000 incentive to buy a modern toolkit, and collateral-free loans up to Rs 1 lakh in the first tranche and up to Rs 2 lakh in the second tranche at a concessional interest rate of around 5%.
Who is eligible for PM Vishwakarma Yojana?▼
Anyone aged 18 or above who works in one of the 18 listed traditional trades using their hands and tools - such as carpenter, blacksmith, tailor, potter, goldsmith or cobbler - can apply. Only one person per family is eligible, government employees and their families are excluded, and applicants who recently took similar credit schemes may be restricted.
How do I apply for PM Vishwakarma Yojana online?▼
Registration is usually done at a Common Service Centre (CSC) because it needs biometric Aadhaar authentication. Visit pmvishwakarma.gov.in to find your nearest CSC, complete e-KYC, fill the form with your trade details, and submit. The application passes through verification at the local body, district and screening committee levels before approval.
How much loan can I get under the Vishwakarma scheme?▼
You can get a collateral-free loan of up to Rs 1 lakh in the first tranche. After timely repayment and adopting digital transactions, you become eligible for a second tranche of up to Rs 2 lakh. Both are offered at a concessional interest rate of around 5%.
Is the Rs 15,000 toolkit money given in cash?▼
The toolkit incentive of Rs 15,000 is provided to help you buy modern tools for your trade, credited through the scheme after you complete the basic training. It is meant specifically for purchasing better equipment that improves the quality and speed of your work.