🛠️ PM Vishwakarma Yojana 2025 – ₹500 Daily, Free Training, 3 Lakh Loan at 5% Interest: How to Apply
🤔 Intro
Hey friends, if you’re an artisan, carpenter, tailor, blacksmith, or any traditional worker, here’s good news for you. The PM Vishwakarma Yojana 2025 is live now, giving daily ₹500 stipend, free training, and loan up to ₹3 lakh at just 5% interest.
I still remember my uncle, who is a weaver, telling me last year – “If government schemes were explained in simple words, I would’ve applied long ago.” So today, let’s decode this in easy language for you.
💡 What is PM Vishwakarma Yojana?
In simple words, PM Vishwakarma is a central scheme to help traditional workers and artisans by giving them:
✅ Skill training with ₹500 daily
✅ Toolkit worth ₹15,000
✅ Loan up to ₹3 lakh at just 5% interest
Honestly, it’s a golden chance to grow your small business without heavy interest burden.
🎯 Objective of PM Vishwakarma Yojana
The main aim is to support artisans, carpenters, goldsmiths, blacksmiths, potters, sculptors, and other traditional skilled workers by:
✔️ Providing financial help and training
✔️ Upgrading their skills with modern toolkits
✔️ Making them self-reliant and business-ready
I feel it’s high time government focused on these professions which keep our culture alive.
🎁 Benefits of Vishwakarma Scheme
Here’s what you will get:
| Benefit | Details |
|---|---|
| Daily Stipend | ₹500 during training |
| Toolkit Grant | ₹15,000 worth of modern tools |
| Loan Facility | Up to ₹3 lakh in two phases – ₹1 lakh first, ₹2 lakh second, at 5% interest |
| ID & Certificate | Government-recognised certificate as skilled artisan |
| Market Linkage | Opportunity to connect with online markets and brands |
👉 Tip: This scheme covers over 140 castes under Vishwakarma community including carpenters, masons, sculptors, blacksmiths, weavers, potters, laundry workers, goldsmiths etc.
🎓 Eligibility Criteria
Check if you’re eligible:
✔️ Age 18 years or above
✔️ Must be an artisan or skilled worker from Vishwakarma community
✔️ Aadhaar-linked bank account
✔️ Should not be income taxpayer
✔️ Government employees not eligible
📄 Documents Required
- Aadhaar card
- PAN card
- Bank passbook
- Mobile number
- Passport size photo
- Skill certificate (if any)
(My friend’s father missed his application last year just because his Aadhaar was not linked with his bank. Please check yours before applying.)
📝 How to Apply Online for PM Vishwakarma Yojana 2025
Here’s your step-by-step guide:
✅ Step 1. Visit Official Website
Go to pmvishwakarma.gov.in.
✅ Step 2. Register/Login
Click ‘Apply Now’. Register with your mobile and Aadhaar details. You will receive an OTP for verification.
✅ Step 3. Fill Application Form
- Personal details: name, DOB, gender, category
- Family details: father/spouse name, marital status
- Address details: state, district, PIN code
- Profession details: trade name, sub-category, business address
✅ Step 4. Upload Documents
Upload scanned copies of:
- Aadhaar card
- PAN card
- Bank passbook
✅ Step 5. Submit & Download Certificate
After submission, download your PM Vishwakarma Certificate. You can track status using your registration ID.
💸 Loan Details under Vishwakarma Yojana
| Loan Phase | Amount | Interest Rate |
|---|---|---|
| First | ₹1 lakh | 5% |
| Second | ₹2 lakh | 5% |
✅ Repayment period: Up to 18 months for first phase.
✅ Toolkit assistance: ₹15,000 grant for tool upgrade.
(I feel it’s smart to first take ₹1 lakh, upgrade your setup, then expand with second loan.)
🏦 Banks Involved
- Scheduled commercial banks
- Regional rural banks
- Cooperative banks
- Micro-finance institutions
🔍 How to Check Application Status
- Visit pmvishwakarma.gov.in.
- Click ‘Application Status’.
- Enter your registration number or Aadhaar number.
- Click ‘Submit’ to view status.
❓ FAQs
Q. Who gets priority under PM Vishwakarma?
👉 Women artisans, SC/ST categories, and unregistered skilled workers.
Q. Is Aadhaar mandatory?
👉 Yes. Application won’t process without Aadhaar-linked bank account.
Q. Can government employees apply?
👉 No. Only private artisans and skilled workers eligible.
Q. Is there income limit?
👉 No strict limit, but preference is for economically weaker sections.
💭 Final Tips / Advice
Don’t delay your application. Funds are limited and processed on first-come-first-serve basis. Also, join training sincerely – I heard from a carpenter friend that the new toolkit grant actually helped him take bigger contracts for window frames.
✍️ Author Note
Hey, I’m Arun. I write these articles so government schemes reach real people like my uncle who weaves sarees in our village. Hope this PM Vishwakarma Yojana article helped you understand everything clearly. Apply soon and grow your business. 🙏
⚠️ Disclaimer
This article is based on PM Vishwakarma official portal updates and recent notifications. Always check pmvishwakarma.gov.in for final guidelines before applying.
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