🌱 Udyam Desk
PM Vishwakarma 2026: Guide to the ₹15,000 Toolkit, Stipended Training and ₹3 Lakh Loan for Artisans
Under the PM Vishwakarma scheme, ₹15,000 toolkit e-reward for 18 traditional artisan trades, training with a ₹500 daily stipend and a collateral-free loan of up to ₹3 lakh at 5% interest — a complete guide to eligibility, application and status.
PM Vishwakarma is the central government’s scheme for artisans who have practised their craft by hand for generations — not just a loan: a ₹15,000 toolkit free, training with a stipend, a collateral-free loan of up to ₹3 lakh at 5% effective interest, incentives on digital transactions, and marketing support.
Who can apply?
- Age 18+
- Unorganised sector artisans working in one of 18 specified traditional trades — tailor, carpenter, blacksmith, goldsmith, potter, sculptor, barber, gardener, net weaver, leather-tanning worker, cobbler, garland maker, stone carver, toymaker, broom/jute worker, coconut leaf artisan, fan/bamboo-cane artisan, ironsmith
- Not in government service (and did not hold a government job in the last financial year)
- No member of the family currently in government service
The five benefits at a glance
| Benefit | Details |
|---|---|
| Toolkit e-reward | ₹15,000 — one-time, after certification |
| Training + stipend | 5–7 days of basic skilling, ₹500 per day |
| Enterprise loan | Up to ₹3 lakh (₹1 lakh + ₹2 lakh in two tranches), no collateral, effective interest 5% |
| Digital incentive | Incentive of up to ₹1 per digital transaction |
| Marketing support | Online marketplace connections and social media listing |
How to apply
- Online: open pmvishwakarma.gov.in → ‘Register’ → Aadhaar e-KYC → enter mobile, bank account, trade and experience details
- At a CSC: Common Service Centre operators also register artisans — go there if you have trouble online
- After registration, trade verification takes place → you receive the Vishwakarma Certificate and ID
- Apply for the toolkit e-reward → the voucher is used to buy tools from an approved vendor
- After training, apply for the loan — the bank verifies and disburses the first tranche of ₹1 lakh; with good repayment within 18 months, the second tranche of ₹2 lakh
Cautions
- Registration is completely free — anyone charging a fee is an agent, not the government
- Name/details must match across Aadhaar, bank and mobile; if they don’t, fix it at an Aadhaar Seva Kendra first
- Use the loan money in the business itself — spending it on consumption blocks the second tranche
Read more: MUDRA loan, All routes to collateral-free loans and Udyam portal.
🪜 Step-by-step guide
- Register on the portal
Register on pmvishwakarma.gov.in or at a nearby CSC with Aadhaar e-KYC, mobile, bank account and trade details.
- Certification (trade verification)
After matching details, the initial certification grants the 'Vishwakarma Certificate' and ID.
- Toolkit e-reward
After certification, a ₹15,000 toolkit e-voucher/e-reward can be claimed — to buy tools for your trade.
- Training, loan and marketing support
5–7 days of basic training (₹500 daily stipend), then a collateral-free loan of up to ₹3 lakh at 5% interest and an incentive on digital transactions.
❓ Frequently asked questions
Which trades come under PM Vishwakarma?
18 traditional trades — tailor, carpenter, blacksmith, goldsmith, potter, sculptor, barber, gardener (Malakar), fishing net maker, leather work, cobbler, garland maker (Malyakar), stone carver, toymaker/doll maker, broom and jute work, coconut leaf work, fan/bamboo-cane work and ironsmith work.
What is the structure of the Vishwakarma loan?
A collateral-free Enterprise Development Loan of up to ₹3 lakh in two tranches — ₹1 lakh in the first (18 months) and ₹2 lakh in the second (30 months). With the government's interest subvention, the beneficiary's effective interest is only 5%.
How much stipend does the training give?
The 5–7 day basic skilling pays a stipend of ₹500 per day. The toolkit is available even without training, but training improves business success and loan quality.