PM Vishwakarma Yojana 2026: Rs 15000 Toolkit + Rs 3 Lakh Loan for Artisans All India, Apply Online

PM Vishwakarma Yojana 2026: Rs 15000 Toolkit + Rs 3 Lakh Loan for Artisans - All India Complete Guide Introduction: The Best Yojana for Traditional Artisans and Craftsmen in India Are you a carpenter, tailor, blacksmith, goldsmith, potter, barber, washerman, cobbler, mason, or any traditional artisan? Do you need modern tools worth Rs 15000 and a low-interest loan of up to Rs 3 Lakh to grow your small business? Then PM Vishwakarma Yojana 2026 is for you. PM Vishwakarma Yojana is currently the most trending and most searched yojana for small artisans and craftsmen in India in 2026. Launched by Prime Minister Narendra Modi on 17th September 2023 (on Vishwakarma Jayanti), this scheme aims to support 18 traditional trades with financial assistance, skill training, toolkit, and marketing support. As of May 2026, more than 50 lakh artisans have registered, and more than 20 lakh have received toolkit vouchers and training. The government has allocated Rs 13,000 crore budget for 5 years (2023-2028) for this scheme. The best part: This is an All India yojana - Applicable in all states and UTs - West Bengal, Bihar, Uttar Pradesh, Maharashtra, Tamil Nadu, Karnataka, Rajasthan, Delhi, Assam, etc. Any artisan from 18 trades can apply, no matter your caste or income. If you work with your hands and tools, this yojana can transform your business and increase your income by 2-3 times. In this 2500-word detailed article, we will explain everything about PM Vishwakarma Yojana 2026 - benefits, eligibility, 18 trades list, and how to apply online. What is PM Vishwakarma Yojana? Full Details and Objective Full Name: PM Vishwakarma Yojana (PM Vishwakarma Kaushal Samman Yojana) Launched: 17th September 2023 by PM Narendra Modi Ministry: Ministry of Micro, Small and Medium Enterprises (MSME) Target: To support 30 lakh artisan families in first 5 years Budget: Rs 13,000 crore (2023-2028) Official Website: pmvishwakarma.gov.in Objective: - To preserve and promote traditional arts and crafts (Guru-Shishya parampara) - To provide financial support to artisans to grow their business - To provide modern tools and skill training to increase productivity - To provide low-interest loan without collateral - To provide marketing support to sell products (onboarding on GeM, e-commerce) - To increase income of artisans and craftsmen What are the 18 Trades Covered? List of Eligible Trades PM Vishwakarma Yojana covers 18 traditional trades. If your work falls under any of these, you are eligible: 1. Carpenter (Suthar / Badhai) - Wood work, furniture making 2. Boat Maker 3. Armourer - Weapons making (traditional) 4. Blacksmith (Lohar) - Iron work 5. Hammer and Tool Kit Maker 6. Locksmith 7. Goldsmith (Sonar) 8. Potter (Kumhar) - Clay work, idol making 9. Sculptor (Moortikar), Stone breaker 10. Tailor (Darzi) - Stitching, garment making 11. Cobbler (Charmkar) / Shoesmith / Footwear artisan 12. Mason (Rajmistri) - Construction work 13. Basket / Mat / Broom Maker / Coir Weaver 14. Doll & Toy Maker (Traditional) 15. Barber (Naai) 16. Garland Maker (Malakar) 17. Washerman (Dhobi) 18. Fishing Net Maker If you are from any of these trades, you can apply. For example, a tailor from West Bengal who stitches clothes in a small shop is eligible. A carpenter from UP who makes furniture is eligible. A goldsmith from Tamil Nadu is eligible. Benefits: What Will You Get Under PM Vishwakarma Yojana? Benefit 1: PM Vishwakarma Certificate and ID Card - You will get a PM Vishwakarma Certificate and ID Card recognizing you as a Vishwakarma artisan. This certificate gives you identity and helps in getting loan and marketing support. Benefit 2: Skill Training (Basic and Advanced) - Basic Training: 5-7 days (40 hours) basic skill training to improve your skills and teach you modern techniques, use of modern tools, etc. - Advanced Training: 15 days (120 hours) advanced training for those who want to learn more (optional) - During training, you get Rs 500 per day as stipend - So for 7 days training, you get Rs 3500 directly in bank account - Training is free, conducted at nearest skill training center Benefit 3: Toolkit Incentive of Rs 15,000 - After basic training, you get a toolkit voucher of Rs 15,000 - This is an e-voucher (like e-RUPI voucher) that you can use to buy modern tools from authorized vendors on GeM (Government e-Marketplace) portal - Example: A carpenter can buy electric saw, drill machine, etc. A tailor can buy sewing machine, etc. A goldsmith can buy modern gold testing machine, etc. - You don't get cash, you get voucher to buy tools - This ensures money is used for tools only Benefit 4: Collateral-Free Loan up to Rs 3 Lakh This is the biggest benefit: - Loan 1: Up to Rs 1 Lakh - First tranche - Repayment in 18 months (1.5 years) - Loan 2: Up to Rs 2 Lakh - Second tranche - After repaying first loan, you can get Rs 2 Lakh more - Repayment in 30 months (2.5 years) - Total Loan: Rs 3 Lakh (Rs 1 Lakh + Rs 2 Lakh) - Interest Rate: Only 5% per year (concessional rate) - Government pays remaining 8% interest to bank (Total interest is 13%, but you pay only 5%, government pays 8% as subvention) - Collateral: No collateral required - No need to give property or guarantee - Loan is guaranteed by government (CGTMSE) - Processing Fee: No processing fee - You can use loan to buy raw materials, expand shop, buy more tools, etc. Benefit 5: Marketing Support - Government will help you sell your products on GeM (Government e-Marketplace), ONDC, e-commerce platforms like Amazon, Flipkart - Help to get quality certification - Help to participate in trade fairs, exhibitions - Branding and packaging support Benefit 6: Digital Transaction Incentive - If you do digital transactions (UPI, etc.), you get Rs 1 incentive per transaction, up to Rs 100 per month So overall, you get: Certificate + Training (Rs 500/day) + Rs 15000 toolkit + Rs 3 Lakh loan at 5% + Marketing support Who is Eligible? Full Eligibility Criteria All India 2026 1. Age: Minimum 18 years on date of registration. No upper limit officially, but practically up to 60 years. 2. Occupation: Must be working as artisan or craftsman in any of the 18 trades mentioned above, in unorganized sector, on self-employment basis. 3. Self-Employment: You must be self-employed, not working as employee in a company. You should have your own small shop or work from home. 4. Family: Only one member from a family can get benefits under this scheme. Family means husband, wife, and unmarried children. So if father is carpenter and gets benefit, son who is also carpenter cannot get benefit from same family (but can if separate family). 5. Government Job: You or your family member should not be in government job. If your son is in government job, you are still eligible as long as you are artisan. But if you yourself are in government job, not eligible. 6. Loan: You should not have taken loan under similar central/state government scheme for same trade in last 5 years (like PMEGP, etc.). However, MUDRA loan is allowed. 7. Income: No income limit - Rich or poor artisan, anyone can apply. But scheme is targeted for poor and middle-class artisans. 8. Documents: Must have Aadhaar, mobile linked to Aadhaar, bank account, ration card 9. Location: Must be resident of India, artisan working in India Documents Required 1. Aadhaar Card (mandatory, mobile number linked to Aadhaar for OTP verification) 2. Mobile Number (Aadhaar linked) 3. Bank Passbook - First page with account number, IFSC, in applicant's name, Aadhaar linked, DBT enabled 4. Ration Card - For family details (If no ration card, you need to give family details and reason why no ration card) 5. Proof of Occupation - Any proof that you are artisan in 18 trades: - Certificate from Gram Panchayat / Municipality / Municipal Corporation - Certificate from trade association - Any government document showing your trade - Self-declaration (in some cases) 6. Caste Certificate (if SC/ST/OBC) - Optional but helpful for verification 7. Income Certificate (optional, not mandatory, but helpful) 8. Passport Size Photo (recent) 9. If you have Udyam Registration (MSME) - Optional but helpful How to Apply Online for PM Vishwakarma Yojana 2026? Step-by-Step There are 2 ways to apply: Method 1: Through CSC (Common Service Center) - Most Common and Easy - Go to your nearest CSC center (Jan Seva Kendra, Pragya Kendra, etc.) in your village/town - CSC centers are present in every block and municipality - CSC operator will apply on your behalf on pmvishwakarma.gov.in portal - CSC operator will do biometric authentication (fingerprint) using Aadhaar - CSC operator will upload your documents and submit application - CSC charges Rs 20-30 as service charge (official fee) - You will get acknowledgement receipt with application number Method 2: Self-Apply Online (If you have computer and biometric device) - Go to official website pmvishwakarma.gov.in - Click on "Login" > "CSC Login" (Even for self-apply, you need to login via CSC, but you can register as artisan) - Click on "Artisan Registration" - Enter Aadhaar number, verify via OTP and biometric (fingerprint) - You need biometric device connected to computer - Fill application form: - Personal Details: Name, DOB, Gender, Category, etc. - Family Details: From ration card, number of family members - Trade Details: Select your trade from 18 trades list, describe your work, years of experience, etc. - Bank Details: Account number, IFSC, bank name - Address: Village, Block, District, State, PIN - Upload documents: Ration card, proof of occupation, etc. - Submit application - You will get application number via SMS After Application - What Happens Next? Full Process Step 1: Verification at Gram Panchayat / ULB Level - After application, your application goes to your Gram Panchayat (for rural) or Municipality/Municipal Corporation (for urban) for verification - Panchayat Secretary / Municipal official will verify whether you are really an artisan in 18 trades, whether you are resident of that panchayat, etc. - They will approve or reject within 7-15 days - You can check status on pmvishwakarma.gov.in > Application Status Step 2: Verification at District Level - After Panchayat verification, application goes to District Implementation Committee headed by District Collector / District Magistrate - District committee verifies again and approves Step 3: Training - After approval, you will be called for basic skill training (5-7 days) at nearest training center (ITI, Skill Center, etc.) - You will get SMS about training date and center - Attend training, learn modern techniques, get Rs 500 per day stipend (credited after training) Step 4: Toolkit Voucher - After training, you get PM Vishwakarma Certificate and ID Card - And you get e-voucher of Rs 15,000 to buy tools from GeM portal - You can select tools from list and order via voucher Step 5: Loan Application - After training, you can apply for loan of up to Rs 1 Lakh via pmvishwakarma.gov.in portal or via bank - Bank will verify and sanction loan within 15-30 days - Loan amount credited to your bank account - Interest rate 5% only, repayment 18 months - After repaying first loan, you can apply for second loan of Rs 2 Lakh Important Dates 2026: - Scheme Started: 17th Sept 2023 - Registration Open: Continuous, no last date - You can apply anytime till 2028 - As of May 2026, registration is open, you can apply today - Training batches conducted every month Common Problems and Solutions - Problem: Aadhaar not linked to mobile - Solution: Link mobile to Aadhaar at Aadhaar center, it takes 2-3 days - Problem: Bank account not DBT enabled - Solution: Visit bank and ask to enable DBT and NPCI mapping and Aadhaar seeding - Problem: Ration card not available - Solution: You can still apply, but you need to give family details manually and give reason why no ration card (e.g., ration card lost, not made, etc.). Gram Panchayat will verify family details. - Problem: Proof of occupation not available - Solution: Get certificate from Gram Panchayat Sarpanch or Municipality Chairman stating that you are carpenter/tailor/etc. working from last X years. This certificate is accepted. - Problem: Application pending at Panchayat level for long time - Solution: Visit Gram Panchayat office, meet Secretary, request to verify. Sometimes they have backlog. - Problem: Toolkit voucher not received after training - Solution: Check status on portal, contact training center, contact District Industries Center (DIC) Fraud Alert - Stay Safe - Official website is ONLY pmvishwakarma.gov.in - No other website - Registration is FREE at CSC - CSC charges only Rs 20-30 service charge, not thousands - No agent can guarantee loan or toolkit for money - Government