PM Vishwakarma Yojana 2026 application has started. Learn eligibility, benefits, ₹3 lakh loan, training allowance, toolkit grant, documents, and how to apply step by step.
Introduction to PM Vishwakarma Yojana 2026
PM Vishwakarma Yojana 2026 is a major welfare scheme launched by the Government of India to support skilled workers, artisans, and small traditional workers across India.
This scheme is specially designed for people working with their hands and tools, such as tailors, carpenters, blacksmiths, barbers, cobblers, goldsmiths, masons, washermen, and many more.
The main aim of PM Vishwakarma Yojana is to improve skills, provide financial support, and help small workers become self-reliant.
Main Objective of PM Vishwakarma Yojana
The objective of PM Vishwakarma Yojana is very clear and simple:
- To support workers from the lower-income and working class
- To provide skill training and modern tools
- To give easy loans at low interest
- To help people start or grow their own work or small business
This scheme is not based on caste, religion, or community. It is only based on profession and need.
Who Can Apply for PM Vishwakarma Yojana? (Eligibility)
To apply for PM Vishwakarma Yojana 2026, the applicant must fulfill the following conditions:
Eligibility Conditions
- Applicant must be an Indian citizen
- Only one person per family can apply
- Applicant should be a skilled worker or traditional artisan
- Applicant must not be a government employee
- Big businessmen are not eligible
- Income tax payers are not eligible for loan benefits
Important Loan Condition
If you have already taken a loan under:
- PMEGP
- PM Mudra Yojana
- PM Svanidhi
Then:
- If the loan is fully repaid, you can apply
- If the loan is still running, you cannot apply
List of Professions Covered Under PM Vishwakarma Yojana
This scheme covers many traditional and small professions, such as:
- Tailor
- Carpenter
- Blacksmith
- Goldsmith
- Potter
- Sculptor
- Barber
- Washerman
- Cobbler
- Mason
- Boat maker
- Lock maker
- Tool maker
If you earn your living through skilled manual work, you can apply.
Benefits of PM Vishwakarma Yojana 2026
PM Vishwakarma Yojana offers multiple benefits. These benefits are given in different stages.
1. Free Skill Training Allowance
- Total training period: 20 days
- Daily allowance: ₹500 per day
- Total training benefit: ₹10,000 (free)
Training is basic and informative. No test or skill check is done.
2. Toolkit Incentive (Free Grant)
After training completion:
- ₹15,000 is given for buying tools
- This amount is non-refundable
Example:
- Tailor → Sewing machine
- Carpenter → Tools
- Barber → Professional equipment
3. PM Vishwakarma Certificate & ID Card
- Free government certificate
- Recognized all over India
- Helps in future loans and benefits
4. Loan Benefit up to ₹3 Lakh
The loan is given in two phases:
| Loan Stage | Amount | Time Period |
|---|---|---|
| First Loan | ₹1,00,000 | 18 months |
| Second Loan | ₹2,00,000 | 30 months |
| Total Loan | ₹3,00,000 | Low interest |
Interest Rate Details
- Total interest rate: 13%
- Applicant pays only: 5%
- Government subsidy: 8%
This makes PM Vishwakarma Yojana one of the cheapest loan schemes in India.
Training Is Optional – Important Point
- If you do training:
- Get ₹10,000 allowance
- Get ₹15,000 toolkit grant
- Get loan benefits
- If you skip training:
- No ₹25,000 free benefits
- You will get direct loan only
Required Documents for PM Vishwakarma Yojana
You need only basic documents:
- Aadhaar Card
- PAN Card
- Bank Account Passbook
- Voter ID Card
No extra documents are required.
How to Apply for PM Vishwakarma Yojana 2026
Important Note
You cannot apply directly from home unless you have a CSC ID.
Application Process
- Visit nearest CSC (Common Service Center)
- Carry required documents
- CSC operator will fill the online form
- Application is verified online
- You will receive a call from block-level center
- Training and further process will start
Important Official Links
- Official Website:
https://pmvishwakarma.gov.in - CSC Portal:
https://www.csc.gov.in - Government Schemes Info:
https://www.india.gov.in
Frequently Asked Questions (FAQs)
Q1. Is PM Vishwakarma Yojana free?
Yes, training, toolkit grant, and certificate are completely free.
Q2. Can a government employee apply?
No, government employees are not eligible.
Q3. Is income tax payer eligible?
Income tax payers cannot get loan benefits.
Q4. Is training compulsory?
No, training is optional but recommended.
Q5. How much free money is given?
Up to ₹25,000 (₹10,000 training + ₹15,000 toolkit).
Q6. What is the maximum loan amount?
Maximum loan is ₹3,00,000.
