PM Vishwakarma Yojana 2026 – Registration, Benefits, Eligibility & Loan Details
The PM Vishwakarma Yojana is a Government of India initiative launched to support traditional artisans and craftsmen who work with their hands and tools. The scheme focuses on skill development, financial assistance, and market integration to help these workers become economically self-reliant. PM Vishwakarma Yojana 2026
In 2026, the scheme continues to empower lakhs of artisans across India by providing training, toolkits, low-interest loans, and digital identity support.
What is PM Vishwakarma Yojana?
PM Vishwakarma Yojana is designed for people engaged in traditional occupations such as carpentry, tailoring, blacksmithing, cobbling, pottery, masonry, and similar trades. These workers mostly belong to the unorganized sector and often lack access to formal credit, modern tools, and structured training.
Under this scheme, beneficiaries are provided with:
- Skill training and certification
- Toolkit incentive for modern tools
- Easy and affordable loan support
- Digital identity and market linkage
- Assistance in branding and promotion
The scheme formally recognizes artisans as “Vishwakarma” and connects them to the mainstream economy.
Objectives of PM Vishwakarma Yojana
The key objectives of the scheme are:
- To preserve and promote traditional skills
- To improve productivity and income of artisans
- To provide affordable credit without collateral
- To modernize traditional tools and techniques
- To promote self-employment and entrepreneurship
- To integrate artisans into digital and formal markets
Trades Covered Under the Scheme
The scheme covers 18 traditional trades, including:
Carpenter, Boat Maker, Blacksmith, Hammer and Tool Kit Maker, Locksmith, Goldsmith, Potter, Sculptor, Cobbler (Shoemaker), Tailor, Mason, Basket and Mat Weaver, Doll and Toy Maker, Garland Maker, Barber, Washerman, Fishing Net Maker, and Armourer.
Only one member per family is eligible to receive benefits under this scheme.
Eligibility Criteria (2026)
To apply for PM Vishwakarma Yojana, the applicant must:
- Be an Indian citizen
- Be at least 18 years old
- Be engaged in one of the notified traditional trades
- Be working in the unorganized sector or self-employed
- Not be a government employee
- Not be a defaulter of any government loan
- Only one member per family can apply
Benefits of PM Vishwakarma Yojana
Skill Training
Beneficiaries receive structured training programs, including:
- Basic training (5–7 days)
- Advanced training (up to 15 days)
- Training allowance of ₹500 per day
Toolkit Incentive
A financial incentive of ₹15,000 is provided to purchase modern tools to improve work efficiency and product quality.
Loan Assistance
The scheme provides collateral-free loans in two phases:
- First loan: up to ₹1,00,000
- Second loan: up to ₹2,00,000
- Interest rate: approximately 5% per year after subsidy
Digital and Market Support
Beneficiaries receive:
- PM Vishwakarma Certificate and ID
- Digital payment training
- Support for online selling platforms
- Branding and marketing assistance
Required Documents
Applicants must submit the following documents:
- Aadhaar card
- Mobile number linked with Aadhaar
- Bank account details
- Ration card or family certificate
- Trade proof or self-declaration
- Passport-size photograph
How to Apply for PM Vishwakarma Yojana 2026
Applications can be submitted online through the official portal or offline via Common Service Centres (CSC).
Application Process:
- Visit the nearest CSC or official portal
- Complete Aadhaar-based registration
- Select your trade category
- Upload required documents
- Complete biometric verification
- Receive PM Vishwakarma Certificate
- Enroll in training and apply for loan
After verification, the applicant becomes eligible for training, toolkit incentive, and loan benefits.
Training and Certification
Once registered, beneficiaries must complete skill training. After successful assessment, they receive official certification, which enables access to financial assistance and advanced benefits.
Training helps artisans improve technical skills and adapt to modern market demands.
Loan Repayment System
Loans under PM Vishwakarma Yojana:
- Are collateral-free
- Have low interest rates
- Offer flexible repayment schedules
- Provide higher loan eligibility after successful repayment of the first loan
Importance of PM Vishwakarma Yojana
The scheme plays a crucial role in:
- Protecting traditional livelihoods
- Encouraging entrepreneurship
- Promoting “Vocal for Local” products
- Reducing unemployment
- Strengthening rural and urban economies
It bridges the gap between heritage skills and modern economic opportunities.
Official Website
FAQs – PM Vishwakarma Yojana 2026
Q1. What is PM Vishwakarma Yojana?
It is a government scheme to support traditional artisans through training, toolkits, and affordable loans.
Q2. Who can apply for this scheme?
Traditional workers such as carpenters, tailors, potters, blacksmiths, cobblers, barbers, and similar artisans.
Q3. How much loan is provided?
Up to ₹1 lakh in the first phase and ₹2 lakh in the second phase.
Q4. Is collateral required?
No, the loan is collateral-free.
Q5. What is the interest rate?
Around 5% per year after subsidy.
Q6. How much toolkit assistance is given?
₹15,000 for purchasing tools.
Q7. Is training compulsory?
Yes, training and certification are mandatory to access scheme benefits.
Q8. Can more than one family member apply?
No, only one member per family is eligible.
Q9. Is the scheme available in all states?
Yes, it is implemented across India.
Q10. Where can I apply?
Through CSC centres or the official PM Vishwakarma portal.
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