PM Vishwakarma Yojana 2025: New Forms Released, ₹15,000 Toolkit and ₹3 Lakh Loan for Artisans

In a major move to empower India’s skilled artisans and traditional craftsmen, the government has relaunched the PM Vishwakarma Yojana for 2025 with new application forms and revised benefits. This scheme is designed to support small craftsmen, workers, and creators who belong to India’s rich legacy of traditional trades.

Under the revamped scheme, beneficiaries can now receive ₹15,000 for modern toolkits and collateral-free loans of up to ₹3 lakh at subsidized interest rates. The new application process is more streamlined, digital-friendly, and transparent.

Let’s explore the scheme in detail.

🔍 What is PM Vishwakarma Yojana?

Launched by Prime Minister Narendra Modi, the PM Vishwakarma Yojana is aimed at helping traditional workers like carpenters, blacksmiths, goldsmiths, cobblers, potters, sculptors, barbers, and more.

The scheme recognizes them as “Vishwakarmas” – creators who are often self-employed, from economically weaker sections, and largely underserved by formal financial institutions.

🎯 Objectives of the Scheme

• Formalize traditional artisans through government recognition
• Provide financial and skill-based support
• Offer modern toolkits and low-interest credit
• Enhance income and productivity
• Preserve and promote traditional Indian trades

📦 What’s New in 2025?

The 2025 edition of PM Vishwakarma Yojana comes with key updates:

1. New Registration Forms Released – More accessible and easier to fill
2. Toolkit Incentive Increased to ₹15,000
3. Loan Limit Enhanced Up to ₹3 Lakh
4. Skill Training Mandatory but Flexible
5. Digital Payment Support Added

🛠️ Benefits under PM Vishwakarma Yojana

Here are the major benefits offered under the scheme:

✅ ₹15,000 Toolkit Grant

A one-time financial support to buy modern tools and equipment to improve the quality and efficiency of work.

✅ Collateral-Free Loans up to ₹3 Lakh

• First Loan: ₹1 Lakh with 18-month repayment period
• Second Loan: ₹2 Lakh after successful repayment of the first
• Interest Subsidy: Only 5% interest; the rest is borne by the government

✅ Skill Development Training

• Duration: 5 to 10 days
• Beneficiaries get ₹500 per day as training allowance
• Certificate of completion issued

✅ Recognition as “Vishwakarma”

• Issued a PM Vishwakarma ID Card and certificate
• Enables access to all related government schemes

✅ Digital Empowerment

• Help with UPI setup and digital payments for business
• Encouragement to use BHIM, Paytm, PhonePe, etc.

🧑‍🔧 Who Can Apply? – Eligibility Criteria

To benefit from the scheme, the applicant must:

• Be a citizen of India
• Belong to one of the 18 traditional trades (e.g., carpenter, cobbler, potter, etc.)
• Be aged 18 years or above
• Not have availed loans under similar government schemes before
• Be actively involved in the trade and not a government employee

📄 Required Documents

Before filling out the new PM Vishwakarma form, keep the following documents ready:

• Aadhaar card
• PAN card
• Bank passbook with IFSC code
• Mobile number linked with Aadhaar
• Passport-size photo
• Proof of profession (if available)

🖊️ How to Apply – Step-by-Step Process

Here’s how eligible applicants can apply under the 2025 scheme:

1. Visit the Official Website or Nearest CSC (Common Service Centre)
   • Trained agents will help you register if you’re unfamiliar with online processes.
2. Fill the New Vishwakarma Form
   • Enter personal, professional, and banking details accurately.
3. Upload Required Documents
   • Aadhaar, bank passbook, and photo are essential.
4. Submit for Verification
   • Your application will be verified by local authorities or district officers.
5. Toolkit Grant and Training Call
   • On approval, you’ll be invited for skill training and toolkit distribution.
6. Loan Disbursement
   • Loan up to ₹1 lakh will be credited post-training and document check.

🔄 Loan Repayment and Top-Up Eligibility

Repayment of the first ₹1 lakh loan must be done in 18 months (1.5 years). After this, you become eligible for the next ₹2 lakh loan, which also comes with a low 5% interest rate and flexible terms.

Failure to repay may affect your credit score and future scheme eligibility, so be sure to use the loan wisely for business purposes.

🏹 Targeted Traditional Trades Under Vishwakarma Yojana

The scheme currently supports 18 traditional occupations, including:

1. Carpenter (Suthar)
2. Boat Maker
3. Armourer
4. Blacksmith
5. Locksmith
6. Goldsmith
7. Potter
8. Sculptor
9. Cobbler
10. Mason
11. Doll Maker
12. Barber
13. Washerman
14. Garland Maker
15. Tailor
16. Basket Maker
17. Fishing Net Maker
18. Toolmaker

These are trades that form the backbone of India’s rural economy and need urgent modernization and support.

📊 Impact on Rural and Urban India

This scheme is proving to be a game-changer in both rural and urban areas:

• Rural artisans are gaining access to modern tools and steady income
• Small-scale urban craftsmen are able to expand their services
• More families are seeing financial uplift through government support

For people with no job security or education degrees, this scheme offers dignity, livelihood, and empowerment.

📢 Conclusion: PM Vishwakarma Yojana – A Boost to Bharat’s Real Creators

The PM Vishwakarma Yojana 2025 is more than just a scheme — it is a movement to revive India’s traditional workforce. With ₹15,000 for tools, up to ₹3 lakh in collateral-free loans, and digital training, the scheme promises a bright future for artisans across the country.

If you or someone you know practices a traditional craft, this is the time to take advantage of this opportunity. With simple eligibility, minimal paperwork, and maximum government support, PM Vishwakarma is becoming a lifeline for the skilled yet financially struggling sections of society.

Apply today and become a proud Vishwakarma of modern India!