Pradhan Mantri Vishwakarma Yojana

- **Objective**: Provide end-to-end support to traditional artisans and craftspeople for scaling up products and services - **Key Features**: Recognition (certificate & ID card); skill upgradation (40-hr basic + 120-hr advanced training); toolkit grant ₹15,000; collateral-free credit - **Loan Support**: First tranche ₹1 lakh (18-month repayment), Second tranche ₹2 lakh (30-month repayment); 5% interest rate with 8% govt subvention - **Eligible Trades**: Expanded from 18 to 25 categories — carpenter, blacksmith, goldsmith, potter, cobbler, mason, tailor, barber, boat maker, etc. - **Digital Incentive**: ₹1 per digital transaction (up to 100/month); training stipend ₹500/day - **Progress**: 2nd anniversary on September 17, 2025; ~30 lakh artisans registered; 2.72 crore applications

- **उद्देश्य**: पारंपरिक कारीगरों और शिल्पकारों को उत्पादों और सेवाओं के विस्तार के लिए संपूर्ण सहायता प्रदान करना - **मुख्य विशेषताएं**: मान्यता (प्रमाणपत्र और ID कार्ड); कौशल उन्नयन (40-घंटे बुनियादी + 120-घंटे उन्नत प्रशिक्षण); टूलकिट अनुदान ₹15,000; ज़मानत-मुक्त ऋण - **ऋण सहायता**: प्रथम किश्त ₹1 लाख (18 माह पुनर्भुगतान), दूसरी किश्त ₹2 लाख (30 माह पुनर्भुगतान); 5% ब्याज दर, 8% सरकारी सब्वेंशन - **पात्र व्यापार**: 18 से बढ़ाकर 25 श्रेणियां — बढ़ई, लोहार, सुनार, कुम्हार, मोची, राजमिस्त्री, दर्जी, नाई, नाव बनाने वाले आदि - **डिजिटल प्रोत्साहन**: ₹1 प्रति डिजिटल लेनदेन (अधिकतम 100/माह); प्रशिक्षण वज़ीफा ₹500/दिन - **प्रगति**: 17 सितंबर 2025 को दूसरी वर्षगांठ; ~30 लाख कारीगर पंजीकृत; 2.72 करोड़ आवेदन

• Pradhan Mantri Vishwakarma Yojana provides end-to-end support to traditional artisans and craftspeople including recognition with certificate and ID card
• Skill upgradation through 40-hour basic and 120-hour advanced training with stipend of Rs 500/day; toolkit grant of Rs 15,000
• Collateral-free credit: First tranche Rs 1 lakh (18-month repayment), Second tranche Rs 2 lakh (30-month repayment) at 5% interest with 8% government subvention
• Expanded from 18 to 25 eligible trade categories including carpenter, blacksmith, goldsmith, potter, cobbler, mason, tailor, barber, and boat maker
• Digital incentive of Rs 1 per digital transaction up to 100 transactions per month to encourage cashless adoption
• Progress: 2nd anniversary on 17 September 2025; approximately 30 lakh artisans registered with 2.72 crore applications received