Overview of PM Vishwakarma Yojana 2025
PM Vishwakarma Yojana is a flagship initiative launched by the Central Government to financially empower skilled artisans and workers in the unorganised sector. This scheme offers up to ₹3 lakh loan, ₹15,000 toolkit grant, and ₹10,000 training assistance to eligible beneficiaries.
Eligibility Criteria
To apply for the PM Vishwakarma Yojana, you must:
- Be an Indian citizen
- Not be a government employee
- Not be a big businessman or income taxpayer
- Only one member per family is eligible
- Not be a defaulter of previous government loans
Who Cannot Apply?
- Government employees
- Big business owners
- Income tax payers
- Households where one member has already received this benefit
Scheme Benefits
| Benefit | Amount |
| Toolkit Grant | ₹15,000 |
| Training Grant | ₹10,000 (₹500 per day for 20 days) |
| Loan (Stage 1) | ₹1 lakh (18 months) |
| Loan (Stage 2) | ₹2 lakh (30 months) |
| Total Loan | ₹3 lakh |
| Interest Rate | 13% (8% subsidy, only 5% payable) |
Required Documents
- Aadhaar Card
- Bank Account Details
- PAN or Voter ID
- Residence Certificate
- Passport-size Photo
- Caste Certificate (if applicable)
Step-by-Step Application Process
- Visit the nearest CSC (Common Service Centre)
Forms can only be submitted via CSCs as of now. - Submit Required Documents
Bring Aadhaar, bank account proof, and ID cards. - Select One of 18 Artisan Trades
Choose your skill (e.g., tailor, blacksmith, carpenter). - Undergo Skill Training
- 5–7 days basic training
- 13–15 days advanced training
- ₹500/day allowance (₹10,000 total)
- Receive Free Toolkit
Based on your trade (e.g., sewing machine for tailors). - Loan Disbursement
- ₹1 lakh loan first (18 months)
- ₹2 lakh loan after repayment (30 months)
Toolkit Details by Profession
| Profession | Toolkit Provided |
| Tailor | Sewing Machine |
| Barber | Clippers, scissors, mirrors |
| Blacksmith | Hammer, tongs, anvil |
| Carpenter | Saw, measuring tools, etc. |
Training and Financial Assistance
Applicants undergo a 20-day training and receive ₹10,000 total. After training, a free toolkit worth ₹15,000 is given. Those who skip training won’t get this ₹25,000 benefit but can still apply for the loan.
Important Notes
- Forms must be submitted through a CSC.
- CSC may charge ₹50–₹100 service fee.
- Training is mandatory for free benefits.
- Only one person per family can apply.
Conclusion
The PM Vishwakarma Yojana 2025 is a great opportunity for skilled workers and artisans to grow their business with government support. With training, a toolkit, and a ₹3 lakh loan, eligible citizens can become self-reliant and financially independent.