MSME
PM Vishwakarma Scheme is a Central Sector Scheme launched on 17 September 2023 to provide end-to-end support to artisans and craftspeople who work with their hands and tools across 18 traditional trades. The scheme offers recognition via a PM Vishwakarma certificate and ID card, skill training (basic 5–7 days and advanced 15 days), a toolkit incentive of ₹15,000, collateral-free enterprise development loans (₹1 lakh in Tier-1 and ₹2 lakh in Tier-2 at 5% concessional interest), digital transaction incentives, and marketing support through quality certification, branding, and GeM onboarding. The scheme runs from FY 2023-24 to FY 2027-28 with a total outlay of ₹13,000 crore.
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End-to-end support including recognition, training, toolkit grant of ₹15,000, collateral-free loan ₹1 lakh (Tier-1) + ₹2 lakh (Tier-2) at 5% interest, digital incentives, and marketing/GeM access for 18 traditional trades
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Register via CSC or PM Vishwakarma Portal
Visit pmvishwakarma.gov.in or the nearest Common Service Centre (CSC) with Aadhaar-linked mobile number to begin registration.
Trade Verification by Gram Sabha / ULB
Your traditional trade/craft is verified by the Gram Sabha (rural) or Urban Local Body (urban); family ID/ration card may be required.
Biometric Verification & PM Vishwakarma ID
Biometric authentication at CSC; upon approval you receive a PM Vishwakarma Certificate and a unique ID card recognising you as a Vishwakarma.
Complete Basic Skill Training (5–7 days)
Attend basic skill upgrade training at a designated Training Centre; receive ₹500/day stipend during training.
Receive Toolkit Incentive of ₹15,000
Toolkit grant of ₹15,000 credited directly to your linked bank account (DBT) after completing basic training.
Attend Advanced Skill Training (15 days, optional)
Opt for advanced training at an MSME Technology Centre or designated institute; receive ₹500/day stipend.
Apply for Tier-1 Collateral-Free Loan (₹1 lakh)
Apply for enterprise development loan of up to ₹1 lakh through a linked bank at 5% concessional interest rate; no collateral required.
Digital Onboarding & Marketing Support
Get onboarded to digital payment ecosystem; receive ₹1 per digital transaction (max 100/month) as incentive; access GeM portal for government procurement.
Repay Tier-1 & Apply for Tier-2 Loan (₹2 lakh)
On satisfactory repayment of Tier-1 loan, become eligible for Tier-2 loan of up to ₹2 lakh at same 5% concessional interest rate.