PM Vishwakarma Yojana Bihar 2026 - Rs 3 Lakh Loan, Free Training

PM Vishwakarma Yojana Bihar 2026 - Rs 3 Lakh Loan + Free Training + Rs 15,000 Toolkit

Bhaiyon, agar tum carpenter, darzi, nai, kumhar, lohar, sunar ya koi bhi traditional karigar ho toh PM Vishwakarma Yojana tumhare liye bani hai. Is scheme mein Rs 3 Lakh tak loan sirf 5% interest pe, free training (Rs 500/din stipend ke saath), aur Rs 15,000 ka toolkit free milta hai. Central Government ne ye scheme 17 September 2023 ko launch ki thi, aur Rs 13,000 crore ka budget rakha hai 5 saal ke liye (FY 2023-28). Registration FREE hai aur CSC Centre se hota hai.

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Quick Info: PM Vishwakarma Yojana 2026

Detail	Information
Scheme Name	PM Vishwakarma Yojana
Launch Date	17 September 2023
Budget	Rs 13,000 Crore (FY 2023-28)
Loan Amount	Rs 3,00,000 (Rs 1L + Rs 2L in two tranches)
Interest Rate	5% (8% govt subvention)
Free Toolkit	Rs 15,000 (e-voucher)
Training Stipend	Rs 500/day
Eligible Trades	18 Traditional Trades
Application Fee	FREE
Official Portal	pmvishwakarma.gov.in
Helpline	18002677777 / Short Code: 17923

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Direct Links

Purpose	Link
Official Website	pmvishwakarma.gov.in
Applicant Login	pmvishwakarma.gov.in/login
Application Status Check	pmvishwakarma.gov.in - "Applicant Login" section mein jaayein
CSC Centre Locate	Nearest CSC Centre pe jaake Aadhaar biometric se register karo

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Benefits - Kya Kya Milega?

PM Vishwakarma Yojana mein ek nahi, 5 tarah ke benefits milte hain:

1. PM Vishwakarma Certificate + ID Card

• Government certified "Vishwakarma" identity milti hai
• Bank loan aur schemes mein recognition ke liye useful

2. Free Skill Training

• Basic Training: 5-7 din (FREE)
• Advanced Training: 15 din (FREE)
• Stipend: Rs 500/day training ke dauran

3. Free Toolkit - Rs 15,000

• Training complete karne ke baad Rs 15,000 ka e-voucher milta hai
• Apne trade ke tools khareed sakte ho

4. Collateral-Free Loan - Rs 3 Lakh

• First Tranche: Rs 1,00,000 (18 months repayment)
• Second Tranche: Rs 2,00,000 (30 months repayment)
• Interest Rate: Sirf 5% per annum
• Government 8% interest subvention deti hai (matlab bank ko 13% milta hai, tumhe sirf 5% dena hai)
• No collateral - koi guarantee ya zamanat nahi chahiye

5. Digital & Market Support

• Digital transactions ke liye training
• QR code aur digital payment setup
• Market linkage support

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18 Eligible Trades - Kaun Kaun Apply Kar Sakta Hai?

S.No.	Trade (English)	Hindi Name
1	Carpenter	Badhai
2	Boat Maker	Naav Banane Wala
3	Armourer	Shastra Banane Wala
4	Blacksmith	Lohar
5	Hammer & Tool Kit Maker	Hathoda/Tool Maker
6	Locksmith	Tala Banane Wala
7	Goldsmith	Sunar
8	Potter	Kumhar
9	Sculptor / Stone Carver	Moortikar
10	Stone Breaker	Pathhar Todne Wala
11	Cobbler / Shoe Maker	Mochi
12	Mason	Rajmistri
13	Basket / Mat / Broom Maker	Tokri/Chatai/Jhaadu
14	Doll & Toy Maker	Gudiya/Khilona Maker
15	Barber	Nai
16	Garland Maker	Malakar
17	Washerman	Dhobi
18	Tailor / Fishing Net Maker	Darzi / Jaal Maker

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Eligibility - Kaun Apply Kar Sakta Hai?

1. Age: 18 saal ya usse zyada
2. Trade: In 18 mein se kisi bhi trade mein kaam karta ho (unorganised sector)
3. Family: Ek family se sirf 1 member apply kar sakta hai
4. Previous Schemes: Pichle 5 saal mein PMEGP, PM SVANidhi, ya MUDRA loan nahi liya ho
5. Government Job: Government employee eligible nahi hai
6. Residence: Bihar ka permanent resident hona chahiye

Family Ki Definition

Husband, wife aur unmarried children - ye sab ek family mein count hote hain.

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Required Documents - Pehle Se Ready Karo

• Aadhaar Card (Biometric verification hogi CSC pe)
• Mobile Number (Aadhaar se linked hona chahiye)
• Bank Account (Aadhaar linked, active)
• Passport Size Photo (Recent)
• Ration Card (Family details ke liye)
• Trade ka proof - koi certificate ya self-declaration

Important: Aadhaar aur mobile number linked hona zaroori hai. CSC Centre pe biometric verification hoti hai.

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Step-by-Step Apply Process

Step 1: Nearest CSC Centre Jaayein

• PM Vishwakarma registration sirf CSC (Common Service Centre) se hota hai
• Apna Aadhaar Card aur linked mobile lekar jaayein

Step 2: Biometric Verification

• CSC operator Aadhaar biometric (fingerprint) se identity verify karega
• OTP bhi mobile pe aayega

Step 3: Application Form Bharein

• Personal details, trade details, bank details bharein
• CSC operator help karega form bharne mein
• Koi fee nahi hai - agar CSC wala paisa maange toh complaint karo

Step 4: Certificate Issuance

• Verification ke baad PM Vishwakarma Certificate + ID Card milega
• Ye digital bhi milta hai

Step 5: Skill Training

• District level pe training center mein jaana hoga
• Basic Training: 5-7 din, Advanced: 15 din
• Rs 500/day stipend training ke dauran milega

Step 6: Toolkit e-Voucher

• Training complete karne ke baad Rs 15,000 ka e-voucher milega
• Approved vendors se tools khareed sakte ho

Step 7: Loan Apply

• Training ke baad Rs 1 Lakh ka first tranche loan ke liye apply karo
• First tranche achhe se repay karo, phir Rs 2 Lakh ka second tranche milega

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Application Status Kaise Check Karein?

1. pmvishwakarma.gov.in pe jaayein
2. "Applicant Login" pe click karo
3. Registered mobile number daalo
4. OTP verify karo
5. Dashboard pe application status dikhega

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Similar Schemes Se Comparison

Feature	PM Vishwakarma	Laghu Udyami	Udyami Yojana
Amount	Rs 3 Lakh (Loan)	Rs 2 Lakh (Grant)	Rs 10 Lakh (50% Grant + 50% Loan)
Type	Subsidized Loan	Free Grant	Grant + Loan
Interest	5%	N/A (Free)	Interest-free loan portion
Training	Free + Rs 500/day	Mandatory (free)	Optional
Toolkit	Rs 15,000 free	Not included	Not included
Target	18 traditional trades	BPL families	SC/ST/OBC/Minority/Women
Selection	Merit/Verification	Lottery	Merit

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Important Dates

Event	Date
Scheme Launch	17 September 2023
Bihar Registration	Open (Rolling basis)
Scheme Duration	FY 2023-24 to FY 2027-28
Budget Allocation	Rs 13,000 Crore (5 years)

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Scam Alert - Fraud Se Bachein!

Scam Type	Warning
"Rs 2,000 mein registration karwa denge"	FRAUD - Registration FREE hai CSC pe!
"Guarantee se loan approve karwa denge"	FRAUD - Process government ka hai
"Direct bank mein paisa dalwa denge"	FRAUD - Loan bank se milta hai, kisi agent se nahi
Fake website "pmvishwakarma.com" etc.	FRAUD - Sirf pmvishwakarma.gov.in official hai
"Training skip karwa denge"	FRAUD - Training mandatory hai, skip nahi hota

Yaad Rakho:

• Registration FREE hai - kisi ko paisa mat do
• Sirf .gov.in website trust karo
• CSC Centre pe jaake khud apply karo
• Helpline: 18002677777 ya 17923
• Scam report karo: SkillUPBihar Scam Alerts

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Tips for Success

1. Aadhaar + Mobile Link: Pehle check karo ki Aadhaar aur mobile linked hai ya nahi. UIDAI website pe verify karo
2. Bank Account Active: Bank account Aadhaar se linked hona chahiye. Bank jaake DBT enable karwao
3. Training Seriously Lo: Training mein achha perform karo - ye tumhari skill upgrade hai
4. Toolkit Wisely Kharido: Rs 15,000 ke toolkit mein quality tools lo, sasta mat lo
5. Loan Repayment: Time pe EMI bharo, tabhi second tranche Rs 2 Lakh milega
6. Digital Payments: UPI/QR code use karna seekho - zyada customers milenge

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FAQs

Q: PM Vishwakarma Yojana mein kitna loan milta hai?

Rs 3 Lakh - Rs 1 Lakh pehle, phir Rs 2 Lakh second tranche mein. Interest rate sirf 5% hai.

Q: Kya ye loan hai ya grant?

Ye subsidized loan hai (5% interest pe). Grant nahi hai, wapas karna padega. Lekin Rs 15,000 toolkit aur training free hai.

Q: Registration ke liye koi fee hai?

Bilkul nahi! Registration completely FREE hai. CSC Centre pe jaake karo. Koi paisa maange toh fraud hai.

Q: Online ghar se apply kar sakte hain?

Nahi. Registration sirf CSC Centre pe hota hai kyunki Aadhaar biometric verification zaroori hai. Online portal sirf status check ke liye hai.

Q: Ek family se kitne log apply kar sakte hain?

Sirf 1 member per family. Family matlab husband, wife aur unmarried children.

Q: Training kitne din ki hoti hai?

Basic Training 5-7 din aur Advanced Training 15 din. Dono FREE hain aur Rs 500/day stipend bhi milta hai.

Q: MUDRA loan liya tha, kya ab Vishwakarma apply kar sakta hoon?

Agar pichle 5 saal mein PMEGP, PM SVANidhi, ya MUDRA loan liya hai toh eligible nahi ho. 5 saal ka gap chahiye.

Q: Kya darzi (tailor) is scheme mein eligible hai?

Haan! Darzi (Tailor) 18 eligible trades mein se ek hai. Fishing Net Maker bhi same category mein aata hai.

Q: Loan repayment nahi kiya toh kya hoga?

Default karne pe second tranche Rs 2 Lakh nahi milega. Bank ka regular loan recovery process lagega. Time pe EMI bharna zaroori hai.

Q: Status kaise check karein?

pmvishwakarma.gov.in pe jaayein - "Applicant Login" - Mobile number + OTP - Dashboard pe status dikhega.

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Ye Bhi Zaroor Padhein

• Mukhyamantri Udyami Yojana - Rs 10 Lakh - 50% grant + 50% interest-free loan
• Bihar Laghu Udyami Yojana - Rs 2 Lakh Free - BPL families ke liye free grant
• Bihar Startup Policy - Startup funding aur support
• Udyam Registration Guide - MSME registration step-by-step
• Bihar e-Shram Card - Unorganised workers ke liye registration

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Page Updated: 23 February 2026

Disclaimer: Latest updates ke liye pmvishwakarma.gov.in check karo. Helpline: 18002677777. SkillUPBihar government se directly associated nahi hai.