PM Vishwakarma Status, Certificate and Loan 2026

Reviewed on: 2026-06-19.

PM Vishwakarma is a Central scheme launched on 17 September 2023 by the Ministry of MSME. It supports traditional artisans in the unorganised sector across 18 eligible trades, bundling four benefits:

• Recognition: A PM Vishwakarma certificate and ID card confirm your enrollment and are the gateway to all other benefits.
• Skill support: Basic training of 5 to 7 days (40 hours) after skill verification, with an optional advanced course of 15 days (120 hours).
• Financial support: A toolkit grant of Rs 15,000, a training stipend of Rs 500 per day, and credit in two tranches.
• Market linkage: Quality certification, branding support, e-commerce linkage, and trade fair participation through the National Committee for Marketing.

The 18 trades covered include carpenter, boat maker, blacksmith, goldsmith, potter, cobbler, mason, tailor, barber, washerman, garland maker, doll and toy maker, basket or mat maker, fishing net maker, armourer, hammer and tool kit maker, locksmith, and sculptor or stone carver.

Your status is tracked through the beneficiary portal. Here is the step-by-step process:

1. Open pmvishwakarma.gov.in/Login on any browser.
2. Enter the mobile number you used at the time of registration and complete the CAPTCHA.
3. Once logged in, the dashboard shows your current application status, the stage your file is at, and any pending actions.
4. If your application has been approved, you can download your PM Vishwakarma certificate and ID card from the same dashboard.

The registration itself begins at a Common Service Centre (CSC) or a Gram Panchayat-level CSC. After initial CSC-level entry, the application moves through verification at the District Industries Centre (DIC). At each stage, the portal should reflect the updated status. For the exact names of stages currently shown on your dashboard, log in to the portal directly, as screen layouts can change.

If the portal shows no update for several weeks after submission, contact your nearest DIC or call the helpline.

On approval, every beneficiary receives a PM Vishwakarma certificate and a PM Vishwakarma ID card. These documents serve as formal proof that the holder is a recognised artisan under the scheme. They also act as the credential required to access the downstream benefits: skill training, toolkit grant, and the credit facility.

The certificate and ID card are issued digitally through the portal. You can download them after logging in with your registered mobile number at pmvishwakarma.gov.in. Keep a printed copy of both documents, as banks and training centres may ask to see them before releasing benefits.

If the download option is not visible after approval, visit the CSC where you registered and ask the operator for help.

The credit facility under PM Vishwakarma works in two tranches. Both are collateral-free. The beneficiary pays an interest rate of 5% per annum; the government provides an interest subvention so that the effective cost to lending institutions is covered.

First tranche

• Amount: up to Rs 1,00,000
• Repayment period: 18 months
• Collateral: nil
• Eligibility: any enrolled and verified Vishwakarma beneficiary

Second tranche

• Amount: up to Rs 2,00,000
• Repayment period: 30 months
• Collateral: nil
• Eligibility: you must have repaid the first tranche on standard terms AND either adopted digital transactions or completed advanced skill training

The loan is disbursed through partner banks and micro-finance institutions linked to the portal. The bank carries out its own credit assessment before releasing funds.

Key point on the second tranche: You are not automatically upgraded after repaying the first loan. Log back into the portal and apply for the second tranche once you meet both conditions.

Once your application is verified and the PM Vishwakarma ID is issued, you become eligible for:

• Toolkit grant of Rs 15,000: A one-time e-voucher credited to your account or given as a direct benefit transfer to purchase trade-relevant tools. The amount is tied to your specific trade.
• Training stipend of Rs 500 per day: Paid directly to your bank account for each day of attendance at the basic or advanced training programme. Basic training runs for 5 to 7 days; advanced training runs for 15 days.
• Digital transaction incentive: Re 1 per digital transaction, for up to 100 transactions per month. This incentive supports artisans who use digital payment modes for their business.

The scheme restricts benefits strictly to unorganised sector artisans. You are not eligible if:

• You or an immediate family member (spouse or unmarried child) have already enrolled under PM Vishwakarma.
• You have availed a loan under PMEGP, PM SVANidhi, or MUDRA in the past five years.
• You or your spouse is a government employee.
• You are under 18 years of age at the time of registration.

These exclusions are verified at the DIC stage. If your application is rejected for one of these reasons, the portal will indicate the ground for rejection.

If your status has not changed for a long time or if the portal shows your application as rejected, take these steps:

1. Log in to the portal and read the rejection reason carefully.
2. Visit your nearest District Industries Centre with your Aadhaar card, mobile number, and any supporting documents.
3. If you cannot resolve the issue at the DIC, escalate to the MSME-Development and Facilitation Office (DFO) for your region.
4. For loan-related delays after approval, contact your designated bank branch directly.
5. Call the PM Vishwakarma helpline at 18002677777 (toll-free) for general queries.
6. Write to [email protected] for written complaints.

Your Aadhaar must be active and linked to your registered mobile number for the portal to authenticate you. If your Aadhaar is inactive or the mobile OTP is not arriving, resolve the Aadhaar linkage issue first before logging in.

Having an active PM SVANidhi or MUDRA loan within the past five years disqualifies you from the PM Vishwakarma credit window, so plan your applications accordingly. Artisans who have also registered their enterprise can check Udyam Registration status, as Udyam registration may unlock additional MSME benefits. Workers on the e-Shram portal may find their trade and identity details partly pre-filled, though e-Shram enrollment alone does not confer PM Vishwakarma benefits.

The portal does not publish a fixed processing timeline. In practice, the application moves through CSC entry, DIC verification, and screening committee approval before the certificate is issued. If your application has been pending for more than 30 days without a status change, contact your DIC or call 18002677777.

The official portal requires you to log in with your registered mobile number to see your application status. There is no public anonymous status-check tool listed on pmvishwakarma.gov.in. Keep your registered mobile number active and reachable.

The certificate qualifies you to apply; the final credit decision rests with the bank. If the bank delays or rejects your loan, ask for the reason in writing and escalate unresolved grievances to the Banking Ombudsman or your DIC.

Yes. The toolkit grant of Rs 15,000 is a non-repayable benefit credited as a direct benefit transfer or e-voucher. It is not part of the loan and does not reduce your loan eligibility. Both benefits are available independently after your ID card is issued.

No. You must repay the first tranche on standard terms and meet either the digital transaction or advanced training condition before the second tranche of up to Rs 2,00,000 becomes available. Apply through the portal once you qualify.

Visit your nearest CSC or District Industries Centre with your Aadhaar card and the new mobile number. The operator can update your contact details in the portal. Do not register afresh, as duplicate registrations are rejected.

The toolkit grant and loan are tied to ID issuance, not training completion. However, you do not receive the Rs 500/day stipend unless you attend, and advanced training completion is one of the two conditions for the second loan tranche. Complete training to access the full benefit package.

The official source is pmvishwakarma.gov.in. Avoid relying on social media posts or news articles for figures or deadlines, as scheme parameters can change through official circulars.

File an RTI to: the implementing District Industries Centre / Ministry of MSME

Use a Right to Information application if the portal shows no update, your loan is stuck without reason, or your certificate has not been issued despite approval:

• What is the current status of my PM Vishwakarma application bearing registration number [your number], and at which stage is it pending?
• What is the reason my application was rejected or my second tranche loan was denied?
• How many applications from this district have been approved, how many are pending, and how many have been rejected under PM Vishwakarma as of the date of this application?
• What amount has been disbursed as toolkit grants and training stipends in this district, and to how many beneficiaries?
• What is the grievance redressal mechanism for beneficiaries whose loan applications have been approved by the DIC but not yet processed by the partner bank?

→ Use our free AI RTI Drafter to generate a complete Section 6(1) application.

• PM Vishwakarma official portal (scheme overview, loan figures, eligibility, toolkit grant, stipend)
• PM Vishwakarma beneficiary login (status-check access via registered mobile number)
• PM Vishwakarma FAQs (loan tranches, training stipend, certificate and ID card)
• PM Vishwakarma Contact Us (helpline 18002677777, email [email protected])

By Dr. Shrawan Kumar Pathak