Complete Details on Pradhan Mantri Viswakarma Yojana in English
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Who is Vishwakarma in our Society?
In our country, there are many skilled workers, often known as ‘ Vishwakarma ‘, who make things using their hands, tools and equipment. These skilled people include blacksmiths, goldsmiths, potters, carpenters, sculptors, artisans, and masons. The government has launched new programs to support these hardworking professionals.
These programs provide training, technology, credit and market support to assist these talented individuals. PM Vishwakarma Samman, or Pradhan Mantri Viswakarma Yojana Samman, will bring a big change in the lives of many Vishwakarmas.Table of Contents
What is Pradhan Mantri Vishwakarma Yojana – What is Vishwakarma Yojana?
Pradhan Mantri Viswakarma Yojana, launched by Prime Minister Narendra Modi on his birthday on September 17, 2023, is an ambitious initiative that aims to provide affordable loans to a variety of artisans in India. The government has allocated a budget of Rs 13,000 crore for this scheme. Its primary goal is to support and uplift the work of artisans across the country.
Applications for the scheme are now open and can be submitted through the official website pmvishwakarma.gov.in. The government aims to empower and enhance the livelihood of artisans by providing them with loans at favorable interest rates.
PM Vishwakarma Scheme – Highlights
Here’s the Pradhan Mantri Viswakarma Yojana information:
|name of the scheme
|Pradhan Mantri Viswakarma Yojana (Pradhan Mantri Vishwakarma Yojana)
|The scheme was approved in the Union Budget 2023-24 and announced on 15 August 2023
|The scheme was launched on Vishwakarma Jayanti on 17 September 2023.
|To provide support to people with traditional skills through low interest loans and skill training
|Up to ₹1 lakh in the first installment, and another ₹2 lakh in the second installment
|loan interest rate
|Loan will be provided at 5% annual interest rate
|number of beneficiaries
|About 3 million traditional craftsmen and artisans, such as weavers, goldsmiths, blacksmiths, washermen, and barbers
|Recognition through PM Vishwakarma certificate and ID card, loan support, skill update, toolkit incentives, incentives for digital transactions, and marketing support
|Strengthening the guru-shishya tradition of traditional skills, improving the quality and accessibility of products/services, connecting artisans to domestic and foreign value chains.
|The 18 trades include: carpenters, boat builders, armourers, blacksmiths, hammer and tool makers, locksmiths, goldsmiths, potters, sculptors, cobblers, masons, basket/mat/broom makers, doll and toy makers, barbers, garland makers, washermen. , Tailor, Fisherman, Net Maker
|Covers rural and urban craftsmen and artisans of India
|₹13,000 to ₹15,000 crore for 5 years
The objective of PM Vishwakarma Yojana
The clear goals of PM Vishwakarma Yojana are:
Recognition: The artisans should be known as “Vishwakarma” so that they can avail the benefits of the scheme.
Skill Improvement: Help them get better at their craft with training.
Tool Upgrade: Provide modern tools for better, faster, and higher quality work.
Easy Loans: Give them loans without any collateral and at low-interest rates.
Digital Boost: Encourage digital payments and transactions.
Market Access: Help them promote your brand and connect with new opportunities.
Benefits of PM Vishwakarma Yojana
The benefits of Pradhan Mantri Viswakarma Yojana are aimed at empowering the artisans and promoting their business through training, financial assistance, and marketing assistance.
Recognition: Artisans can get recognition as Vishwakarma and receive a certificate and ID card.
Concessional interest rate: Beneficiaries will be charged a low-interest rate of 5%, and the government will subsidize up to 8% on the interest cost.
Skills: Artisans can receive training, including basic and advanced training options, with a stipend of Rs 500 per day.
Toolkit Incentive: Artisans receive a grant of Rs 15,000 to support their work.
Credit Support: Collateral-free loans are available, the first installment is Rs 1 lakh and the second installment is Rs 2 lakh for business development.
Incentive for digital transactions: To promote digital transactions, artisans get Rs 1 per transaction up to 100 transactions monthly.
Marketing Support: The National Committee for Marketing (NCM) provides services like quality certification, branding, e-commerce connections, trade fair participation, advertising, and promotional support.
What are the Eligibility Criteria of Pradhan Mantri Viswakarma Yojana?
To be eligible for Pradhan Mantri Viswakarma Yojana, you must be an artisan or craftsman working with your hands and tools in a traditional family-based trade, especially as a self-employed person in the unorganized sector. Here are the basic criteria in simple words:
- Age Requirement: You must be at least 18 years of age when registering.
- Current Engagement: You must be actively involved in your business at the time of registration. This means that you are working in a traditional business.
- No previous similar loan: You should not have taken a loan from other government schemes for self-employment or business development in the last 5 years. This includes programs like PMEGP, PM Swanidhi, and Mudra.
- One member of the family: Only one person per family can register for the scheme and benefit from it. A ‘family’ is your spouse, you, and any unmarried children.
- Exclusion of Government Employees: If you or any member of your family is working for the government, you cannot participate in this scheme.
Which Documents are required for registration on Pradhan Mantri Viswakarma Yojana?
To register on PM Vishwakarma, beneficiaries are required to provide certain documents or information. Here’s what you’ll need:
- Aadhaar Card: This is an essential document for registration. Make sure you have your Aadhaar card, which acts as your unique identity.
- Mobile Number: You must have an active mobile number that can be linked to Aadhaar to receive an Aadhaar OTP. Make sure your phone is in working order.
- Bank Details: It is necessary to have a bank account. You need to provide your bank account details for PM Vishwakarma-related transactions.
- Ration Card: If you have a Ration Card, it is required to provide it as part of your registration. A ration card serves as proof of the identity of your family.
What is the Maximum Loan Amount and Interest Rate Under the Pradhan Mantri Viswakarma Yojana?
Low Interest Loans
Under PM Vishwakarma Yojana, artisans, and craftsmen can avail of loans up to Rs 3 lakh at a concessional interest rate of 5% per annum. For their convenience, this loan is provided in two parts.
1st Phase: Up to Rs 1 lakh Loan
In the first phase, eligible individuals can avail loans up to Rs 1 lakh. This amount can be repaid in a comfortable period of 18 months.
2nd Phase: Up to Rs 2 lakh Loan
Once the business is established, artisans can access a second phase loan of Rs 2 lakh. This huge amount can be repaid over an extended period of 30 months.
Skill Development Program
PM Vishwakarma Yojana also offers skill development programs on two levels: basic and advanced. Those participating in these programs get an honorarium of Rs 500 per day.
Recognition and Support
Artisans and craftsmen enrolled in the scheme will be recognized with a PM Vishwakarma certificate and a Vishwakarma ID card. They will also receive additional assistance of Rs 15,000, which can be used to purchase modern equipment, increasing the speed and quality of their work. The scheme also facilitates digital transactions and provides incentives for market activities.
PM Vishwakarma Yojana aims to empower artisans and craftsmen, providing them with financial assistance, skill development opportunities, and resources to enhance their business and livelihood.
Who will get the Benefit on Pradhan Mantri Viswakarma Yojana?
Pradhan Mantri Viswakarma Yojana helps artisans and craftsmen by providing loans. This scheme covers 18 traditional trades. No matter what type of artisan or craftsman you are, you can get assistance through this program. This is a useful initiative for those who work in traditional professions.
- Carpenter (Suthar) – Carpenter or woodworker
- Boat Maker
- Blacksmith (Lohar) – People who work in blacksmithing or iron work.
- Hammer and Tool Kit Maker – Hammer and other tool kit maker
- Locksmith – lock maker
- Goldsmith (Sonar)
- Potter (Kumhaar) – Potter
- Sculptor (Moortikar, stone carver), Stone breaker
- Cobbler (Charmkar)/Shoesmith/Footwear artisan
- Mason (Rajmistri) – Mason
- Basket/Mat/Broom Maker/Coir Weaver
- Doll & Toy Maker (Traditional)
- Barber (Naai)
- Garland maker (Malakaar)
- Washerman (Dhobi)
- Tailor (Darzi)
- Fishing Net Maker – Fish Net Maker
PM Viswakarma Application Status Check
Visit the Official Website: Visit the official website – pmvishwakarma.gov.in.
Applicant/Beneficiary Login: Find “Applicant/Beneficiary Login” option on the website.
Enter Mobile Number: Enter your registered mobile number and complete the captcha verification.
Click on Login: After entering your mobile number click on “Login” button.
Receive OTP: An OTP (One-Time Password) will be sent to your registered mobile number.
Enter OTP: Enter the received OTP and proceed to the dashboard.
Check Application Status: On the dashboard, you will find the status of your PM Vishwakarma Yojana application.
https://pmvishwakarmainfo.online/ is not the official website or official source of Vishwakarma Yojana. It is not affiliated or associated with any government organization, institution or individual.
Please note that the content available on our website is for general information purposes only. Although we strive to provide accurate and updated information, we strongly recommend visiting the official and authentic source of Vishwakarma Yojana, which can be accessed at https://pmvishwakarma.gov.in . This official website is the most reliable and trustworthy source for detailed and accurate information related to the scheme, its benefits, eligibility and application procedures.
To ensure that you receive the most accurate and current information regarding the Vishwakarma Scheme, it is important to exercise caution and verify any information or claims from official government sources.
FAQs (Frequently Asked Questions)
What is Pradhan Mantri Vishwakarma Yojana?
It is a government program to help artisans and craftsmen in traditional occupations by providing financial assistance and training.
Who is the target beneficiary of the scheme?
People working in traditional occupations like artisans and craftsmen are the main beneficiaries.
Which categories of businesses are included in the scheme?
It includes a wide range of traditional occupations, such as blacksmithing, carpentry, weaving and many others.
What is the amount of initial loan under the scheme?
You can get an initial loan up to Rs 1,00,000 without any collateral. The loan lasts for 18 months.
What is the rate and amount of interest subvention in the scheme?
The interest you pay on the loan is fixed at 5%. The government provides 8% interest subsidy to banks.
What type of skill training is provided under the scheme?
This scheme offers skill training programs to help you improve your trading skills.
Can I avail toolkit incentive without participating in skills training programmes?
Yes, you can get the toolkit even if you do not participate in skills training programs.
What type of marketing assistance is provided under the scheme?
This plan provides marketing support including quality certification, branding, advertising and other activities to help you connect with larger businesses.
Can any government employee apply for PM Vishwakarma?
No, government employees cannot apply for PM Vishwakarma.
How many members of a family can apply for PM Vishwakarma?
Only one member per family can apply for PM Vishwakarma.