PM Vishwakarma Yojana 2026: Loan Aur Training Details – Full Easy Guide
Welcome to OnWali.Com ! Pradhan Mantri Vishwakarma Yojana (PM Vishwakarma) 2026 में traditional artisans aur craftspeople (जैसे लोहार, सुनार, बढ़ई, दर्जी, नाई, मिस्त्री आदि) के लिए super helpful central scheme है। Ministry of MSME द्वारा चलाई जा रही है, और scheme 2027-28 तक active रहेगी।
2026 Latest Update (February 2026):
- Official portal pmvishwakarma.gov.in पर 2.72 crore+ applications submitted हो चुकी हैं।
- 1.68 crore+ Stage 1 verification complete, और lakhs beneficiaries को benefits मिल चुके हैं (toolkit, training, loan)।
- Punjab/Ludhiana में भी registrations तेज हैं – local CSC centers, Gram Panchayat/ULB, या banks से apply आसान।
- Loan total up to ₹3 lakh (collateral-free, 5% concessional interest)। Training stipend ₹500/day।
Scheme के Main Benefits (2026 में)
| Benefit Type | Details (2026 Update) | Amount/How Much Fayda |
|---|---|---|
| Recognition | PM Vishwakarma Certificate + ID Card + Digital ID | Recognition as Vishwakarma |
| Toolkit Incentive | Modern tools खरीदने के लिए e-voucher (basic training शुरू होने पर) | ₹15,000 grant |
| Skill Training | Basic Training (5-7 days) + Advanced Training (15+ days या 120 hours) | Stipend ₹500 per day (DBT से bank में) |
| Credit/Loan Support | Collateral-free Enterprise Development Loan (2 tranches में) | First: Up to ₹1 lakh (18 months tenure) Second: Up to ₹2 lakh (30 months tenure) – total ₹3 lakh |
| Interest Rate | Concessional (govt subsidy के साथ) | Around 5% p.a. (effective low) |
| Digital Transaction Incentive | Digital payments करने पर incentive | ₹1 per transaction (max 100/month) |
| Market Linkage | Marketing support, e-commerce linkage आदि | Extra business growth |
Loan Details:
- First Tranche: Basic training complete करने के बाद up to ₹1 lakh (18 months repayment)।
- Second Tranche: First loan timely repay + standard account maintain + digital transactions adopt या advanced training complete करने पर up to ₹2 lakh (30 months repayment)।
- No collateral/guarantor needed। Interest subsidy से effective rate low (5% approx)।
- Banks जैसे SBI, Bank of India, PNB आदि से मिलता है।
Training Details:
- Basic Training: 5-7 days (skills upgrade, modern tools use) – stipend ₹500/day।
- Advanced Training: 15+ days (deeper skills) – stipend ₹500/day।
- Training complete होने पर toolkit ₹15,000 का incentive मिलता है।
- Certification मिलता है, जो loan eligibility बढ़ाता है।
Eligibility Criteria (पात्रता)
- Age: 18+ years।
- Engaged in one of 18 traditional trades (family-based, unorganized sector): Carpenter, Blacksmith, Goldsmith, Tailor, Barber, Washerman, Cobbler, Mason, Basket/Mat/Broom Maker, Doll & Toy Maker, Barber, Garland Maker, Potter, Boat Maker, Armourer, Blacksmith, Hammer & Tool Kit Maker, Locksmith आदि।
- Self-employed artisan/craftsperson।
- No income tax payer या govt employee family में।
- Punjab में कोई extra state criteria नहीं – national scheme है।
Required Documents
- Aadhaar Card
- Mobile Number (OTP के लिए)
- Proof of occupation/trade (simple self-declaration)
- Bank Account Details
- PAN (optional)
- Training certificate (loan के लिए later)
Online Apply Process – Step-by-Step (2026)
- Official portal पर जाएं: pmvishwakarma.gov.in या myscheme.gov.in (PM Vishwakarma section)।
- “Register” या “Apply Now” क्लिक करें।
- Mobile Number डालें → OTP verify।
- Details भरें: Name, Aadhaar, Address (Punjab/Ludhiana select), Trade चुनें।
- Documents upload/submit (self-declaration)।
- Registration complete → Application ID save करें।
- Verification: Gram Panchayat/ULB (Stage 1) → District Committee (Stage 2) → Approval।
- Approved होने पर: Training enroll → Toolkit incentive → Loan apply (bank से)।
Alternative: Nearest CSC center जाएं – वो free registration और verification help करते हैं। Local ULB या bank branch से भी support।
QNA Section (Frequently Asked Questions 2026)
Q1: PM Vishwakarma Yojana से total loan कितना मिल सकता है?
A: Up to ₹3 lakh (₹1 lakh first + ₹2 lakh second tranche) – collateral-free, 5% interest पर।
Q2: Training stipend कितना और कब मिलता है?
A: ₹500 per day – basic (5-7 days) और advanced (15+ days) दोनों में। DBT से Aadhaar-linked bank में।
Q3: 2026 में apply अभी open है?
A: हां, fully active! Portal पर daily registrations। Scheme 2027-28 तक चलेगी।
Q4: Ludhiana, Punjab से कैसे apply?
A: pmvishwakarma.gov.in से online या local CSC/ULB से। Punjab में कोई restriction नहीं – national coverage।
Q5: Second loan के लिए क्या conditions?
A: First loan timely repay + digital transactions use या advanced training complete।
Q6: Toolkit incentive कैसे मिलता है?
A: Basic training शुरू होने पर ₹15,000 e-voucher – modern tools खरीदने के लिए।
अगर आप या कोई family member traditional trade में है (जैसे बढ़ई, लोहार, दर्जी आदि), तो तुरंत pmvishwakarma.gov.in पर register करें – training, tools, loan से business boost मिलेगा! Official portal से confirm latest, क्योंकि minor updates आ सकते हैं। Helpful लगा तो share करें artisans के साथ! 🔨🛠️🇮🇳
Koi doubt हो तो comment में पूछें। Apna vishwakarma business grow karen! 🚀
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