A complete guide to PM Vishwakarma — the 18 covered trades, the ₹15,000 toolkit incentive, skill-training stipend, collateral-free loans up to ₹3 lakh and how to register.
India's traditional artisans — carpenters, blacksmiths, potters, tailors and many more — are the backbone of local economies, yet they have long struggled to access modern tools, formal skills and affordable credit. The PM Vishwakarma Yojana, launched in September 2023, is a comprehensive scheme designed to change that. Here's how it works.
PM Vishwakarma provides end-to-end support to artisans and craftspeople who work with their hands and tools. It combines recognition, skill development, financial incentives and credit into a single programme run by the Ministry of MSME. Read the structured overview on our PM Vishwakarma scheme page.
The scheme covers 18 traditional trades, including:
| Trade group | Examples |
|---|---|
| Wood & metal | Carpenter, blacksmith, goldsmith, armourer, lock-smith |
| Construction | Mason (rajmistri), sculptor / stone carver |
| Household & tools | Potter, cobbler / footwear artisan, barber, washerman, tailor |
| Craft & utility | Boat maker, basket / mat / broom maker, doll & toy maker, garland maker, fishing-net maker, hammer & tool-kit maker |
If your craft falls within these categories and you work on an unorganised, self-employed basis, you may be eligible.
| Benefit | Detail |
|---|---|
| Recognition | PM Vishwakarma certificate and ID card |
| Skill training | Basic and advanced training with a ₹500 per day stipend |
| Toolkit incentive | ₹15,000 to buy modern tools |
| Credit support | Collateral-free loans up to ₹3 lakh (₹1 lakh + ₹2 lakh) at a concessional rate |
| Digital & marketing | Incentives for digital transactions and market linkage support |
The credit is released in two tranches: a first loan of up to ₹1 lakh, and after successful repayment and further training, a second loan of up to ₹2 lakh.
Government employees and their families are excluded.
PM Vishwakarma pairs naturally with other support. Once trained and equipped, artisans can scale up using a MUDRA loan or, for larger units, the PMEGP credit-linked subsidy. Upskilling further through the Skill India Mission can open new markets.
The scheme covers 18 traditional trades including carpenter, blacksmith, goldsmith, potter, cobbler, tailor, mason, barber, boat maker and more.
Beneficiaries can avail collateral-free loans up to ₹3 lakh — ₹1 lakh in the first tranche and ₹2 lakh in the second — at a concessional interest rate.
Registration through a CSC is designed to be accessible; the certificate, toolkit incentive and training stipend are provided by the government. Verify current details on the official portal.
No. Only one member per family is eligible under PM Vishwakarma.
PM Vishwakarma treats traditional craftsmanship as a serious livelihood worth investing in — with recognition, tools, skills and credit under one roof. If you practise one of the covered trades, registering at a CSC is the first step to formalising and growing your work. Verify everything on the official portal at pmvishwakarma.gov.in.
Disclaimer: SchemeSphere is an independent informational platform and is not affiliated with any government body. Please verify all details on the official portal before applying.
Written by
SchemeSphere Editorial Team
The SchemeSphere editorial team researches and simplifies government schemes so every citizen can understand their rights and benefits. We link to official sources and update our guides as rules change.
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