PM Vishwakarma Scheme

1. Carpenter (Suthar/Badhai)
2. Boat Maker
3. Armourer
4. Blacksmith (Lohar)
5. Hammer and Tool Kit Maker
6. Locksmith
7. Goldsmith (Sunar)
8. Potter (Kumhaar)
9. Sculptor (Moortikar, stone carver)/Stone Breaker
10. Cobbler (Charmkar)/Shoesmith/Footwear artisan
11. Mason (Rajmistri)
12. Basket/Mat/Broom Maker/Coir Weaver
13. Doll & Toy Maker (Traditional)
14. Barber (Naai)
15. Garland Maker (Malakaar)
16. Washerman (Dhobi)
17. Tailor (Darzi)
18. Fishing Net Maker

1. Age: Minimum 18 years of age on the date of registration.
2. Occupation: Must be engaged in one of the 18 identified traditional trades, working with hands and tools in the unorganized sector, on a self-employment basis.
3. No Prior Loans: The applicant should not have availed loans under similar credit-based schemes of the Central Government or State Government for self-employment/business development (e.g., PMEGP, PM SVANidhi, MUDRA) in the past 5 years. However, beneficiaries of MUDRA and PM SVANidhi who have fully repaid their loans are eligible.
4. Family Limit: Only one member from a family (defined as husband, wife, and their unmarried children) can avail benefits under the scheme.
5. Exclusion: Persons in government service and their family members are not eligible.

1. Ministry of Micro, Small & Medium Enterprises (MoMSME): The nodal ministry for the scheme.
2. Ministry of Skill Development & Entrepreneurship (MSDE): Responsible for skill development and training aspects.
3. Department of Financial Services (DFS), Ministry of Finance (MoF): Involved in credit support and financial inclusion.
4. Common Service Centres (CSCs): Act as primary points of contact for beneficiary registration and application.
5. Banks/Financial Institutions: Provide credit support (loans) to the beneficiaries (e.g., Scheduled Commercial Banks, Regional Rural Banks, Cooperative Banks, NBFCs, Micro-Finance Institutions).
6. National Skill Development Corporation (NSDC): Plays a crucial role in coordinating and facilitating skill development training.
7. Sector Skill Councils (SSCs): Relevant SSCs (e.g., Furniture & Fittings Skill Council) are involved in developing curriculum and conducting assessments.
8. Training Organizations/Centres: Accredited training providers deliver the basic and advanced skill training.

1. Aadhaar Card: For identity and e-KYC.
2. Mobile Number: Linked to Aadhaar for OTP verification.
3. Bank Account Details: For direct benefit transfer (DBT) of incentives and loan disbursement.
4. Ration Card: To identify family members and ensure only one member benefits per family. If no ration card, Aadhaar numbers of all family members might be required.
5. Proof of Occupation/Trade: While not always a specific document, engagement in the trade is verified during the process.
6. Caste Certificate (if applicable): For beneficiaries applying under reserved categories.
7. PM Vishwakarma Certificate & ID Card: These are issued after successful registration and verification.

1. Enrolment through CSCs: Eligible beneficiaries must visit their nearest Common Service Centre (CSC).
2. Aadhaar-based Biometric Authentication: The CSC operator will facilitate the application process on the PM Vishwakarma portal (pmvishwakarma.gov.in) using the applicant's Aadhaar and biometric authentication.
3. Application Form Filling: The artisan fills in personal, professional, and bank details.
4. Verification Process:
   1. G ram Panchayat/Urban Local Body (ULB) Level Verification: The application undergoes verification at the local level.
   2. District Implementation Committee (DIC) Vetting and Recommendation: The application is vetted and recommended by the District Implementation Committee.
   3. Scre ening Committee Approval: Final approval is given by a Screening Committee.
5. Issuance of PM Vishwakarma Certificate & ID Card: Upon successful verification and approval, the artisan receives a PM Vishwakarma Certificate and a unique ID card, recognizing them as a 'Vishwakarma' and enabling them to access scheme benefits.
6. Skill Verification and Training: After registration, beneficiaries undergo skill verification (Day 0 assessment). They then undertake Basic Training (5-7 days) and have the option for Advanced Training (15 days or more).
7. Toolkit Incentive: An e-voucher of up to Rs. 15,000 for purchasing modern tools is provided after the Basic Training commences.
8. Credit Support Application: After completing Basic Training, beneficiaries can apply for collateral-free 'Enterprise Development Loans' through their bank.

1. Recognition: Formal recognition as 'Vishwakarma' through a PM Vishwakarma Certificate and ID Card.
2. Skill Upgradation:
   1. Basic Training: 5-7 days (40 hours) with a stipend of Rs. 500 per day.
   2. Advanced Training: 15 days or more (120 hours) with a stipend of Rs. 500 per day. This training focuses on modern techniques, digital skills, and entrepreneurship.
3. Toolkit Incentive: Up to Rs. 15,000 as an e-voucher to purchase modern tools, enhancing productivity and product quality.
4. Credit Support:
   1. Collateral-free Enterprise Development Loans:
      1. 1st Tranche: Up to Rs. 1 Lakh at a concessional interest rate of 5%, repayable in 18 months.
      2. 2nd Tranche: Up to Rs. 2 Lakh (after successfully repaying the 1st tranche, completing Advanced Training or adopting digital transactions) at a concessional interest rate of 5%, repayable in 30 months.
   2. The Government of India provides an interest subvention (subsidy) of 8% to the banks.
5. Incentive for Digital Transactions: Re. 1 per digital transaction (up to 100 transactions per month) for each digital payout or receipt, promoting digital literacy and financial inclusion.
6. Marketing Support:
   1. Assistance with quality certification, branding, packaging, and design.
   2. Onboarding onto e-commerce platforms (like GeM, ONDC) to expand market reach.
   3. Participation in trade fairs and exhibitions to connect with wider markets.
7. Formalization: Onboarding beneficiaries onto the Udyam Assist Platform, integrating them into the formal MSME ecosystem.

1. Remuneration for Training: They receive a prescribed fee from the government for conducting the Basic and Advanced training programs for the artisans. (e.g., trainers typically receive Rs. 1500 per day for conducting training).
2. Infrastructure Support: They may be required to maintain specific infrastructure (e.g., proper labs, tools) which is also incentivized to ensure quality training delivery.
3. Toolkit Provision: Training centers are required to have adequate toolkits for their respective trades, which ensures a practical learning environment.
4. Recognition and Brand Building: Being a training partner for a flagship government scheme like PM Vishwakarma enhances the organization's reputation and visibility in the skill development ecosystem.
5. Opportunity to Contribute to National Development: They contribute directly to empowering traditional artisans and preserving India's cultural heritage.
6. Train-the-Trainer (ToT) Programs: Trainers from these organizations are often required to undergo specific ToT programs under the scheme, enhancing their own capabilities.

1. Overall Coordination and Monitoring of Skill Training: NSDC is responsible for the effective planning, execution, and monitoring of the skill upgradation programs under the scheme.
2. Developing Guidelines and Standards: NSDC develops comprehensive guidelines and standards for the training programs, including curriculum, pedagogy, and assessment methodologies, in coordination with relevant Sector Skill Councils (SSCs).
3. Empanelment and Accreditation of Training Providers: NSDC, directly or through its robust accreditation mechanism, identifies, empanelled, and monitors training organizations that deliver the Basic and Advanced training to the artisans.
4. Training of Trainers (ToT): NSDC ensures that the trainers delivering the Vishwakarma training programs are adequately qualified and undergo specific Training of Trainers (ToT) programs to maintain high-quality instruction.
5. Assessment and Certification: NSDC facilitates the assessment of artisans' skills (both initial assessment and post-training assessment) and their subsequent certification, ensuring that the acquired skills are formally recognized.
6. Digital Integration: NSDC works to integrate the skill development processes with digital platforms for efficient registration, attendance tracking (e.g., AEBAS), and monitoring.
7. Data Management and Reporting: NSDC collects and analyses data related to training progress, beneficiary uptake, and overall scheme effectiveness, providing valuable insights for policy refinement.
8. Ensuring Quality and Scalability: Given its mandate to promote skill development across various sectors, NSDC ensures that the training under PM Vishwakarma is not only of high quality but also scalable to reach many artisans across the country.

In essence, NSDC acts as the implementing agency for the skilling component, ensuring that artisans receive relevant, quality training that enables them to enhance their craft, adopt modern practices, and improve their livelihoods