PM Vishwakarma Loan Yojana 2026: The PM Vishwakarma Yojana 2026 continues to be one of the most searched welfare schemes for traditional artisans and craftsmen across India. Launched by Prime Minister Narendra Modi on September 17, 2023, this Ministry of MSME initiative offers a collateral-free loan of up to ₹3 lakh, free skill training, a toolkit incentive, and market linkage support to workers from 18 traditional trades. As of early 2026, more than 2.72 crore applications have been received nationwide, and states like West Bengal have officially joined the rollout in May 2026, adding lakhs of new artisans to the beneficiary list. If you are searching for the latest PM Vishwakarma Loan Yojana 2026 registration, status check, and eligibility details, this guide covers everything you need with verified, up-to-date information.
This article explains how the PM Vishwakarma Loan Scheme works in 2026, who can apply, how the ₹1 lakh and ₹2 lakh loan tranches are disbursed, and how to check your application, loan, and payment status online through the official portal. We also cover the registration process through Common Service Centres (CSC), required documents, the toll-free helpline, and answers to the most frequently asked questions about this scheme. Whether you are a carpenter, blacksmith, goldsmith, tailor, or potter, this guide will help you understand exactly how to benefit from the PM Vishwakarma Yojana in 2026.
What is PM Vishwakarma Yojana 2026?
PM Vishwakarma Yojana, officially known as the PM Vishwakarma Kaushal Samman Yojana, is a central sector scheme run by the Ministry of Micro, Small and Medium Enterprises (MSME). It was announced on August 15, 2023, and formally launched on September 17, 2023, coinciding with Vishwakarma Jayanti. The scheme has a total outlay of ₹13,000 crore and will remain active for five years, from 2023-24 to 2027-28.
The core objective of the scheme is to recognize traditional artisans and craftspeople as “Vishwakarmas,” provide them with official identity through a PM Vishwakarma Certificate and ID Card, and support them with skill training, modern tools, easy credit, and digital and market support. This end-to-end support model is what distinguishes the PM Vishwakarma Loan Yojana from earlier artisan welfare schemes.
PM Vishwakarma Yojana 2026 Key Highlights
| Particulars | Details |
|---|---|
| Scheme Name | PM Vishwakarma Kaushal Samman Yojana |
| Launched On | September 17, 2023 |
| Ministry | Ministry of Micro, Small and Medium Enterprises (MoMSME) |
| Total Budget | ₹13,000 crore |
| Scheme Duration | 2023-24 to 2027-28 |
| Total Trades Covered | 18 traditional trades |
| Loan Amount (Tranche 1) | ₹1 lakh, collateral-free |
| Loan Amount (Tranche 2) | ₹2 lakh, collateral-free |
| Total Loan Assistance | Up to ₹3 lakh |
| Interest Rate | 5% concessional rate |
| Toolkit Incentive | Up to ₹15,000 (e-voucher) |
| Training Stipend | ₹500 per day (DBT mode) |
| Basic Training Duration | 5–7 days (40 hours) |
| Advanced Training Duration | 15 days (120 hours), optional |
| Mode of Registration | Only through Common Service Centre (CSC) |
| Official Website | pmvishwakarma.gov.in |
| Toll-Free Helpline | 18002677777 / 17923 |
| Applications Received (as of Feb 2026) | Over 2.72 crore |
| Beneficiaries (as of Oct 2025) | 30 lakh+ artisans |
| New State Rollout | West Bengal — May 2026 |
PM Vishwakarma Loan Yojana 2026: How the ₹3 Lakh Loan Works
The PM Vishwakarma loan is disbursed in two tranches, and this staggered structure is one of the most searched details about the scheme:
- First Tranche: ₹1 lakh, collateral-free, at a concessional 5% interest rate, repayable over 18 months.
- Second Tranche: ₹2 lakh, available after successful repayment of the first tranche and completion of basic training, repayable over 30 months.
- Total Loan Support: ₹3 lakh across both tranches, with the government subsidizing the interest through the concerned lending bank.
Beneficiaries do not need to provide any collateral or guarantee to avail this PM Vishwakarma loan, since the credit risk is covered under the Credit Guarantee scheme supported by the Ministry of MSME.
Eligibility Criteria for PM Vishwakarma Yojana 2026
To apply for the PM Vishwakarma registration, applicants must meet the following conditions:
- The applicant must be 18 years or older at the time of registration.
- The applicant should be actively engaged in one of the 18 listed trades on a self-employment basis.
- Only one member per family is eligible to register and avail benefits under the scheme.
- The applicant must not be a government employee.
- The applicant should not have availed a similar credit-linked scheme such as PMEGP, PM SVANidhi, or Mudra loan in the last five years.
List of 18 Trades Covered Under PM Vishwakarma Scheme
The PM Vishwakarma Yojana covers artisans from the following traditional professions: Carpenter, Boat Maker, Armourer, Blacksmith (Lohar), Hammer and Toolkit Maker, Locksmith, Goldsmith, Sculptor/Stone Carver, Potter, Cobbler/Shoemaker, Mason, Basket/Mat/Broom Maker, Doll and Toy Maker, Barber, Garland Maker, Washerman, Tailor, and Fishing Net Maker.
PM Vishwakarma Registration 2026
Unlike many other government schemes, PM Vishwakarma registration is not done directly by the applicant online. Instead, the process must be completed through a Common Service Centre (CSC):
- Visit the nearest CSC with your Aadhaar card, Aadhaar-linked mobile number, bank account details, and ration card.
- Complete mobile verification and Aadhaar eKYC at the CSC.
- The CSC operator will fill out the PM Vishwakarma Artisan Registration Form on your behalf.
- After submission, you will receive a Digital ID and PM Vishwakarma Certificate once your registration is verified.
- You can then apply for skill training, toolkit incentive, and loan benefits through the official portal.
The registration process is completely free. If any agent or CSC operator asks for money to complete your PM Vishwakarma Yojana application, it should be reported immediately, as it is not an authorized practice.
PM Vishwakarma Status Check 2026: How to Check Application, Loan and Payment Status
Once registered, beneficiaries can track their PM Vishwakarma status 2026 — including application status, training status, toolkit incentive status, and loan disbursement status — directly on the official portal.
Steps to check PM Vishwakarma status online:
- Visit the official website: pmvishwakarma.gov.in
- Click on the “Login” option on the homepage.
- Select Applicant/Beneficiary Login.
- Enter your registered mobile number.
- Enter the captcha code shown on screen.
- Enter the OTP received on your mobile number.
- After successful login, go to the Dashboard to view your application status, loan disbursement status, training status, and toolkit incentive status.
Official PM Vishwakarma Links
| Official Website | pmvishwakarma.gov.in |
| Beneficiary/Applicant Login & Status Check | Available on the homepage under “Login” |
| CSC Locator | Available under the “Locate CSC” section of the portal |
| Vendor Locator (for toolkit e-voucher) | Available under “Vendor Locator” on the portal |
| Home Page | https://emrsbahraichup.in/ |
Latest Update: West Bengal Rollout (May 2026)
One of the most recent developments in the PM Vishwakarma Yojana is the official rollout in West Bengal, which began in May 2026. Prior to this, artisans in the state faced delays in scheme implementation. As of the latest update, 7.79 lakh West Bengal artisans are already enrolled, and the Ministry of MSME has initiated active coordination with State Monitoring Committees and District Implementation Committees to fast-track new registrations in the state.
PM Vishwakarma Yojana Last Date 2026
There is no fixed last date for registration under this scheme, as it is designed to remain active until 2027-28. Artisans can visit their nearest CSC at any time to register, subject to availability of trade-specific quotas in their district.
Documents Required for PM Vishwakarma Loan Yojana
- Aadhaar Card (linked with mobile number)
- Ration Card
- Bank Account Passbook
- Passport-size photograph
- Trade/profession proof (if applicable)
The PM Vishwakarma Loan Yojana 2026 remains a powerful support system for India’s traditional artisans and craftsmen, combining collateral-free loans up to ₹3 lakh, free skill training, a toolkit incentive, and digital market access. With over 2.72 crore applications received and new states like West Bengal joining the initiative in 2026, the scheme’s reach continues to expand. If you belong to one of the 18 listed trades, visiting your nearest CSC center for registration and regularly checking your status on pmvishwakarma.gov.in will help you make the most of this scheme.
FAQs
It is a central government scheme for artisans in 18 traditional trades, offering a ₹3 lakh collateral-free loan at 5% interest, a ₹15,000 toolkit grant, and a ₹500/day training stipend.
Direct self-registration online is not available. You must visit your nearest Common Service Centre (CSC) for Aadhaar-based biometric registration, which is completely free.
Up to ₹3 lakh total — ₹1 lakh in the first tranche (18-month repayment) followed by ₹2 lakh in the second tranche (30-month repayment), both at 5% annual interest.
Log in at pmvishwakarma.gov.in using the “Beneficiary Login” option with your registered mobile number and OTP to view application, training, toolkit, and loan status.
Government employees and those who have taken unpaid loans under PMEGP, PM SVANidhi, or Mudra Yojana in the last five years are not eligible.
There is no fixed last date. The scheme runs until 2027-28, and applicants can register at a CSC at any time during this period.
No. Registration through CSC is entirely free of cost. Any request for payment during registration should be treated as fraudulent.