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+{{htmlmetatags>
+metatag-keywords=(pm vishwakarma, vishwakarma yojana, artisan scheme, traditional craftsman, pm vishwakarma loan)
+metatag-description=(Rs 15,000 toolkit + Rs 1L collateral-free loan + Rs 2L expansion loan + Rs 500/day stipend during training. For 18 traditional artisan trades.)
+}}
+====== PM Vishwakarma Yojana — Rs 15,000 toolkit + Rs 3L loan for ======
+{{:social:auto:yojana-pm-vishwakarma.png?direct&1200 |PM Vishwakarma Yojana — Rs 15,000 toolkit + Rs 3L loan for — RTI Wiki}}
+<WRAP info>
+**Rs 15,000 toolkit voucher + Rs 1 lakh loan @ 5% (collateral-free) + Rs 2 lakh expansion loan + Rs 500/day training stipend + 1% interest subvention + marketing support.**
+**Launched:** 2023  ·  **Issued by:** Ministry of MSME
+</WRAP>
+===== Who is eligible =====
+  * Traditional artisan in 18 specified trades (carpenter, blacksmith, goldsmith, potter, weaver, tailor, washerman, barber, etc.)
+  * Age 18+
+  * Family-trade history (father/grandfather artisan)
+  * Self-attested declaration; verification by gram panchayat / urban local body
+===== What you get =====
+Rs 15,000 toolkit voucher (use at empanelled supplier). Skill training: 5-7 days basic + 15+ days advanced; Rs 500/day stipend during training. Loan: Rs 1L (Year 1) + Rs 2L (Year 2 expansion) at 5% effective with Rs 1L collateral-free + 1% interest subvention. Marketing: %%GeM%% listing + branding + e-commerce support.
+===== How to apply (step-by-step) =====
+  - **Register at CSC or gram panchayat** — Free enrolment via Maandhan / Vishwakarma portal.
+  - **Submit Aadhaar + trade history** — Self-declaration + photo of work / tools.
+  - **Verification by ULB / Panchayat** — Local body certifies trade history.
+  - **Trained at PMKVY centre** — Basic + advanced courses; stipend Rs 500/day.
+  - **Toolkit voucher issued** — Rs 15,000 to purchase from empanelled supplier.
+  - **Apply for loan via bank** — Rs 1L Year 1 + Rs 2L Year 2 expansion.
+===== Documents needed =====
+  * Aadhaar
+  * Bank account
+  * Trade history declaration
+  * Photo of work / tools
+===== Timeline =====
+Verification: 30-60 days. Toolkit: post-verification. Loan: 30-90 days post-training.
+===== Portal + helpline =====
+  * **Official portal:** [[https://pmvishwakarma.gov.in|pmvishwakarma.gov.in]]
+  * **Helpline:** PM Vishwakarma Helpline: 1800-103-3899
+===== Common issues =====
+  * Trade not in 18 listed — verify against PIB notification; only listed trades eligible.
+  * Verification denied — appeal to next-level officer; provide additional trade evidence.
+  * Toolkit voucher empanelment limited — list of suppliers available on portal.
+  * Loan delayed — bank may not be PM Vishwakarma-empanelled; verify in advance.
+===== Benefit delayed or rejected? File an RTI =====
+Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
+<code>
+. Status of my application no. _____ dated _____ as on date.
+. Name + designation of dealing officer assigned to my file.
+. Reasons for delay beyond the statutory timeline.
+. Copy of any noting / movement of my file in the past 30 days.
+. Likely date of disbursement / decision.
+</code>
+**Auto-fill the PIO + your case:** [[:citizen-rti-playbook|Open the AI RTI Drafter →]]
+**More schemes for you:** [[:audience:msme-entrepreneurs|All msme entrepreneurs schemes]]
+===== Frequently asked questions =====
+==== What are the 18 trades? ====
+Carpenter, blacksmith, goldsmith, potter, sculptor, mason, basket weaver, weaver, doll/toy maker, barber, garlands maker, washerman, tailor, fishing net maker, cobbler/footwear, leather worker, boat maker, locksmith.
+==== Can entire family enrol? ====
+Yes if multiple members are practising artisans. Each gets own toolkit + loan eligibility.
+==== Is loan really 5%? ====
+Effective rate 5% after 7% interest subvention from govt; bank rate is 7-8%.
+==== Loan default — what happens? ====
+CGTMSE backstops up to specified limit. Standard recovery process applies.
+===== Summary + next step =====
+<WRAP center round tip 90%>
+**Bottom line:** Rs 15,000 toolkit voucher + Rs 1 lakh loan @ 5% (collateral-free) + Rs 2 lakh expansion loan + Rs 500/day training stipend + 1% interest subvention + marketing support. Apply at **pmvishwakarma.gov.in**. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
+  * **Apply now:** [[https://pmvishwakarma.gov.in|pmvishwakarma.gov.in]]
+  * **If delayed — RTI Drafter:** [[:citizen-rti-playbook|File RTI in 5 minutes]]
+  * **Browse all 150 yojanas:** [[:yojana:start|Sarkari Yojana index]]
+</WRAP>
+===== Related =====
+  * [[:yojana:start|All 150 Sarkari Yojanas]]
+  * [[:check-status:start|25 status-check guides]]
+  * [[:documents:start|30 documents-required checklists]]
+  * [[:how-to-apply:start|25 how-to-apply guides]]
+  * [[:rejection-recovery:start|16 rejection-recovery guides]]
+  * [[:audience:start|10 audience-hub schemes]]
+  * [[:helplines:start|32 helplines + grievance routes]]
+  * [[:citizen-rti-playbook|Full RTI Playbook]]
+===== Sources =====
+  * Official portal: pmvishwakarma.gov.in
+  * Issued by: Ministry of MSME
+  * Launched: 2023
+  * Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html|%%AwaazRTI%%]] (composite, identifying details removed)
+//Last reviewed: 26 April 2026.//
+{{tag>yojana sarkari-yojana pm-vishwakarma}}