PM Vishwakarma

How the process works

1. 1

   Step 1: Check eligibility

   Self-employed artisan working with hands and tools in one of the 18 notified family-based traditional trades in the unorganised sector, aged at least 18 years, restricted to one member per family. Minimum age 18 years on the date of registration. Must be actively engaged in the trade on the date of registration. Must not have availed loans under similar credit-based Central or State schemes for self-employment (e.g. PMEGP, PM SVANidhi, MUDRA) in past 5 years. Beneficiaries who have fully repaid MUDRA or PM SVANidhi loans are eligible. Restricted to one member per family (husband, wife, and unmarried children).

2. 2

   Step 2: Prepare documents

   The official source lists the following documents.

   Documents needed for this step

   • Aadhaar card of the applicant.
   • Aadhaar-linked active mobile number for OTP authentication.
   • Aadhaar biometric authentication at the Common Service Centre (CSC).
   • Ration card (or Aadhaar details of all family members if ration card is unavailable).
   • Bank account details (passbook or cancelled cheque with account number and IFSC; Aadhaar-seeded).
   • Trade details, work location, and residential address.
3. 3

   Step 3: Apply

   In-Person at CSC: Application is submitted through Common Service Centres (CSCs) with biometric Aadhaar authentication. Step 1: Visit nearest Common Service Centre (CSC) with Aadhaar, mobile number, ration card and bank details. Step 2: CSC operator conducts mobile OTP verification and biometric Aadhaar e-KYC, entering trade and family details. Step 3: Three-tier verification: (1) Gram Panchayat / Urban Local Body verification, (2) District Implementation Committee vetting, (3) State Screening Committee final approval. Step 4: After approval, PM Vishwakarma Digital Certificate and ID are issued, followed by training, toolkit voucher and credit linkage.

4. 4

   Step 4: Verification

   Three-stage online scrutiny: Stage 1 by Gram Panchayat Head / ULB Administrator; Stage 2 by District Implementation Committee; Stage 3 by State Screening Committee chaired by MSME-DFO.

5. 5

   Step 5: Sanction / decision

   Decision authority, as stated by the official source: Ministry of MSME and participating lending institutions.

6. 6

   Step 6: Benefit

   PM Vishwakarma Certificate and Digital ID Card recognising the artisan. Basic skill training (5-7 days) and Advanced skill training (15 days) with ₹500/day stipend. Toolkit incentive of up to ₹15,000 provided via e-RUPI / e-voucher. Collateral-free enterprise development credit up to ₹3 lakh in two tranches (Tranche 1: up to ₹1 lakh for 18 months; Tranche 2: up to ₹2 lakh for 30 months). Concessional interest rate of 5% with up to 8% interest subvention paid by MoMSME. Incentive for digital transactions of ₹1 per transaction up to 100 transactions monthly. National marketing support, quality certification, and onboarding onto GeM portal. Direct Benefit Transfer (DBT) into Aadhaar-seeded bank account; toolkit voucher via e-RUPI.

7. 7

   Step 7: If delayed or rejected

   Ineligible applications are rejected at Gram Panchayat, District, or Screening Committee level with reason recorded in portal.

8. 8

   Step 8: Grievance / appeal

   Toll-free helpline: 1800-267-7777, short code 17923. National grievance portal: https://pgportal.gov.in/