“Pappu ji, 55 saal, carpenter hain. 35 saal se furniture banate hain, lekin ab tak koi modern tool nahi kharid paaye. Bank gaye toh manager ne kaha — ‘Project report lao.’
CA ke paas gaye toh ₹4,000 maange. Pappu ji ke paas na to itna paisa tha, na hi itna time. Phir ek din unke bete ne bataya — ‘Papa, PM Vishwakarma scheme hai. Isme loan milta hai bina guarantee ke.'”
Pappu ji ne CSC centre jaake register kiya. Basic training complete ki. Loan mil gaya. Ab unhone nayi machinery le li. Kaam double ho gaya.
Is guide mein aapko milega:
- PM Vishwakarma scheme kya hai — complete details with official data
- Kaun apply kar sakta hai — eligibility list (18+ age, 18 trades)
- Scheme benefits — loan @5%, toolkit ₹15,000, training ₹500/day
- PM Vishwakarma project report kaise banayein — step by step
- Documents list — complete checklist (Aadhaar, PAN, bank account)
- Registration process — CSC centre ya online portal
- Loan process — first tranche ₹1 lakh, second tranche ₹2 lakh
- Official scheme data — 30 lakh registrations, 4.7 lakh loans sanctioned
- 8 FAQ with schema markup
Yeh guide unke liye hai jo PM Vishwakarma scheme ke under loan lena chahte hain aur project report banana chahte hain.
👉 PM Vishwakarma project report banayein
Quick Summary — 30 Second Mein Samjho
| Sawaal | Jawaab |
|---|---|
| Scheme kya hai? | PM Vishwakarma — central government scheme for traditional artisans |
| Kaun apply kar sakta hai? | 18 traditional trades mein kaam karne wale, 18+ age |
| Loan kitna milta hai? | ₹3 lakh tak (first ₹1 lakh, second ₹2 lakh) |
| Interest rate kitna hai? | 5% fixed — government 8% subsidy deti hai |
| Toolkit incentive? | ₹15,000 — free tools ke liye |
| Training stipend? | ₹500 per day (5-7 days basic training) |
| Kitne log ko loan mila? | 4.7 lakh artisans tak (31 August 2025 data) |
| Project report chahiye? | Haan — bank loan ke liye mandatory |
| Kahan apply karein? | pmvishwakarma.gov.in ya nearest CSC centre |
👉 [PM Vishwakarma project report banayein — 10 minutes, ₹399 only]
Part 1: PM Vishwakarma Scheme Kya Hai? — Official Details
PM Vishwakarma Yojana ek Central Sector Scheme hai — matlab iska budget fully Government of India provide karti hai. 17 September 2023 ko launch hui, Vishwakarma Jayanti ke din.
Scheme ka budget: ₹13,000 crore – “Yeh scheme itni badi kyun hai? Kyunki government ne iske liye ₹13,000 crore ka budget rakha hai. Iska matlab — yeh scheme sirf paper mein nahi hai, sach mein paisa allocate ho chuka hai. Aur is paise se 30 lakh artisans ko loan mil chuka hai.”.
Scheme kyu launch hui? Traditional artisans aur craftspeople ko support karne ke liye — carpenters, blacksmiths, goldsmiths, tailors, potters, cobblers. Inhe “Vishwakarma” ke roop mein recognize karna hai.
Agencies implementing the scheme:
Samman, Samarth, Samriddhi
Scheme ka vision hai three principles: Samman (respect), Samarth (skill enhancement), Samriddhi (prosperity).
👉 [PM Vishwakarma official website — pmvishwakarma.gov.in]
Part 2: 18 Trades — Kaun Se Business Eligible Hain?
PM Vishwakarma scheme 18 traditional trades ko cover karti hai.
Top Registered Trades (as of 31 August 2025)
According to official PIB data, the most registered trades are:
| Rank | Trade | Hindi |
|---|---|---|
| 1 | Mason (Rajmistri) | राजमिस्त्री |
| 2 | Tailor | दर्जी |
| 3 | Garland Maker | माला बनाने वाला |
| 4 | Carpenter | बढ़ई |
| 5 | Cobbler | मोची |
Part 3: PM Vishwakarma Loan Data — Kitne Log Le Rahe Hain?
Official Data (as of 31 August 2025) — PIB
| Metric | Number |
|---|---|
| Registered artisans | 30 lakh |
| Skill verification completed | 26 lakh+ |
| Basic training completed | 86% of verified beneficiaries |
| Toolkit e-vouchers issued | 23 lakh+ |
| Loans approved | 4.7 lakh+ |
| Total loan value | ₹4,118 crore |
Top Registered States
| State | Rank |
|---|---|
| Karnataka | 1 |
| Maharashtra | 2 |
| Madhya Pradesh | 3 |
| Rajasthan | 4 |
| Andhra Pradesh | 5 |
Key insight: 4.7 lakh artisans ko already loan mil chuka hai. Yeh scheme active hai aur log le rahe hain. Aap bhi le sakte ho. Sirf project report banwana hai.
👉 [PM Vishwakarma project report banayein ₹399 only]
Part 4: Scheme Benefits — Kya Kya Milta Hai?
Benefit 1: Recognition (Certificate + ID Card)
Register karne ke baad aapko milega: PM Vishwakarma Digital ID aur PM Vishwakarma Certificate.
Benefit 2: Skill Upgradation (Training + Stipend)
| Training Type | Duration | Stipend |
|---|---|---|
| Basic Training | 5-7 days (40 hours) | ₹500 per day |
| Advanced Training | 15 days (120 hours) | ₹500 per day |
Benefit 3: Toolkit Incentive — ₹15,000 FREE
Basic training shuru hone par e-voucher worth ₹15,000. Yeh paisa free hai — wapas nahi karna.
Benefit 4: Credit Support — Collateral-Free Loan @5%
| Tranche | Amount | Repayment Period | Condition |
|---|---|---|---|
| First Tranche | ₹1,00,000 | 18 months | Basic training complete |
| Second Tranche | ₹2,00,000 | 30 months | First tranche repaid + advanced training |
Total loan: ₹3,00,000
Government subsidy: Government of India 8% interest subvention deti hai. Bank normally 13% leti hai, aapko sirf 5% dena hai. Baki 8% government pay karti hai.
Collateral: Nahi chahiye — CGTMSE coverage hai.
Benefit 5: Digital Transaction Incentive
Har digital transaction par ₹1 milega. Limit: 100 transactions/month.
Benefit 6: Marketing Support
National Committee for Marketing (NCM) provide karta hai:
- Quality certification
- E-commerce linkage (GeM, ONDC, Meesho, Fabindia)
- Branding and promotion
- Trade fairs and exhibitions
- PM Vishwakarma Emporium/Haat (coming soon in major cities)
👉 [PM Vishwakarma benefits — detailed guide]
Part 5: PM Vishwakarma Project Report — Kya Hota Hai Aur Kyun Zaroori Hai?
PM Vishwakarma scheme ke under loan lene ke liye project report mandatory hai. Bank loan sanction karne se pehle project report check karta hai.
Project report mein kya kya hona chahiye?
| Section | Kya Likhein |
|---|---|
| Executive Summary | 1 page mein business ka overview |
| Business Description | Aap kya karte ho — product/service |
| Financial Details | Total cost, loan requirement, own contribution |
| Production Process | Kaise kaam karte ho, kya machinery chahiye |
| Loan Utilization Plan | Loan paisa kahan lagega — exact breakdown |
| Repayment Plan | DSCR, EMI schedule |
| Supporting Documents | Identity proof, skill certificate, quotations |
How to Generate Project Report
| Option | Cost | Time | Quality |
|---|---|---|---|
| CA se banwayein | ₹4,000-5,000 | 3-7 days | Depends on CA |
| MudraReady se banayein | ₹399 | 30 minutes | Bank-verified format |
👉 [PM Vishwakarma project report banayein — 30 minutes, ₹399 only]
Part 6: PM Vishwakarma Project Report — Example Se samje
Chaliye Dekhte ha Ek project report kese banti hai, sabse phel Business Details (Sample — Carpenter)
| Field | Value |
|---|---|
| Business Name | Ramswaroop Furniture |
| Location | Jaipur, Rajasthan |
| Business Type | Manufacturing (Carpentry / Furniture) |
| Trade | Carpenter (eligible under PM Vishwakarma) |
Project Cost Breakdown
| Asset | Cost (₹) |
|---|---|
| Modern carpentry tools (electric saw, planer, sander) | 60,000 |
| Workshop setup / renovation | 25,000 |
| Storage racks | 15,000 |
| Total Fixed Assets | 1,00,000 |
| Raw material stock (initial) | 30,000 |
| Working capital | 20,000 |
| Total Project Cost | 1,50,000 |
Means of Finance
| Source | Amount (₹) | Percentage |
|---|---|---|
| Toolkit incentive (PM Vishwakarma) | 15,000 | 10% (free) |
| Own contribution | 15,000 | 10% |
| Bank loan (first tranche) | 1,00,000 | 67% |
| Total | 1,50,000 | 100% |
👉 [Apne Business ke liye PM Vishwakarma project report banayein — ₹399]
Part 7: Documents Checklist for PM Vishwakarma Scheme
Business Documents
| Document | Status | Notes |
|---|---|---|
| Project report | Most Important | MudraReady se banayein — ₹399 |
| Quotations for tools | Strongly recommended | For toolkit incentive |
Part 8: PM Vishwakarma Registration Process — Step by Step
Step 1: Visit Nearest CSC Centre
Registration through Common Service Centre (CSC) hoti hai. CSC agents register artisans on the portal.
Step 2: Aadhaar Verification
| Action | Detail |
|---|---|
| Aadhaar number enter karein | OTP aayega registered mobile par |
| Biometric verification | CSC centre par finger print ya iris scan |
Step 3: Fill Registration Form
| Field | Kya Bharein |
|---|---|
| Name | As per Aadhaar |
| Trade | Select from 18 trades list |
| Bank account details | Account number, IFSC code |
Step 4: Three-Step Verification Process
| Level | Agency | Role |
|---|---|---|
| Level 1 | Gram Panchayat / Urban Local Body | Local verification |
| Level 2 | District Implementation Committee | Eligibility check |
| Level 3 | Screening Committee | Final approval |
Step 5: Certificate Download
Step 6: Apply for Benefits
- Toolkit incentive ke liye apply karein
- Basic training ke liye enroll karein
- Loan ke liye apply karein (project report required)
Part 9: Loan Process — Kitna, Kaise, Kab?
First Tranche — ₹1,00,000
| Condition | Detail |
|---|---|
| When? | Basic training complete karne ke baad |
| Amount | ₹1,00,000 |
| Repayment | 18 months |
Second Tranche — ₹2,00,000
| Condition | Detail |
|---|---|
| When? | First tranche repaid + advanced training complete |
| Amount | ₹2,00,000 |
| Repayment | 30 months |
Total loan: ₹3,00,000
Who Provides the Loan?
- Scheduled commercial banks (SBI, PNB, BOB, etc.)
- Regional Rural Banks (RRBs)
- Cooperative banks
- NBFCs
- Microfinance institutions
Loan Repayment Example — First Tranche ₹1,00,000
| Parameter | Value |
|---|---|
| Loan amount | ₹1,00,000 |
| Interest rate | 5% |
| Tenure | 18 months |
| Monthly EMI (approx) | ₹5,800 |
| Total interest paid | ₹4,400 |
| Annual saving vs moneylender (24%) | ₹19,000+ |
Part 10: Frequently Asked Questions (FAQ)
PM Vishwakarma scheme kya hai?
PM Vishwakarma scheme ek central government scheme hai jo traditional artisans aur craftspeople ko support karti hai. Isme collateral-free loan @5% interest, toolkit incentive ₹15,000, aur training stipend ₹500/day milta hai.
PM Vishwakarma ke liye kaun apply kar sakta hai?
18 saal se upar, 18 traditional trades mein se kisi ek mein kaam karne wala, unorganised sector mein self-employed artisan apply kar sakta hai. Family mein se sirf ek member apply kar sakta hai.
PM Vishwakarma mein loan kitna milta hai?
₹3 lakh tak — pehle ₹1 lakh (18 months repayment), phir ₹2 lakh (30 months repayment). Interest rate 5% fixed hai. Government 8% interest subvention deti hai.
PM Vishwakarma toolkit incentive kya hai?
Basic training shuru hone par ₹15,000 ka e-voucher milta hai. Yeh modern tools khareedne ke liye free paisa hai — wapas nahi karna. 23 lakh+ artisans already receive kar chuke hain.
PM Vishwakarma mein training stipend kitna hai?
₹500 per day. Basic training 5-7 days (40 hours), advanced training 15 days (120 hours).
PM Vishwakarma scheme ke liye documents kya chahiye?
Aadhaar, PAN, mobile number linked to Aadhaar, bank account, ration card/family Aadhaar, aur project report.
Kya PM Vishwakarma aur Mudra dono le sakte hain?
PM Vishwakarma registration kaise karein?
Nearest Common Service Centre (CSC) jaayein. Wahan Aadhaar e-KYC, form fill, verification complete karein. Ya online pmvishwakarma.gov.in pe register karein.
Part 11: Conclusion — Aapka Next Step
Ab aap jante hain:
Ab aapko action lena hai:
👉 PM Vishwakarma project report banayein — 10 minutes, ₹399 only
Related Guides
- [Mudra Loan Documents List — Complete Checklist]
- [How to Make a Project Report — 7 Step Guide]
- Udyam Registration Kaise Karein — Free Mein 10 Minute Mein 2026
- DSCR Kya Hota Hai — Bank Loan Approve Hone Ka Sabse Bada Secret
- Why Banks Reject Mudra Loans – 7 Reasons and How to Fix Them
Government Resources
| Resource | Link | Purpose |
|---|---|---|
| PM Vishwakarma Official Portal | pmvishwakarma.gov.in | Registration, certificate, apply |
| PM Vishwakarma Helpline | 18002677777 / 17923 | Scheme queries |
| Common Service Centre | csc.gov.in | Nearest CSC find karein |
| Udyam Registration | udyamregistration.gov.in | MSME certificate — FREE |
