🔹 Yojana Kya Hai?
PM Vishwakarma Yojana ek sarkari scheme hai jo traditional artisans aur shilpkaron ko financial aur technical support dene ke liye banayi gayi hai. Iska launch hua tha 17 September 2023 ko, aur iska main focus hai ki badhai, darzi, sunaar jaise kaam karne wale logon ko identity, training, loan aur marketing mein madad di ja sake.
🔍 Scheme Ke Benefits
Is yojana ke through eligible beneficiaries ko kai tarah ke benefits milte hain:
- Vishwakarma Certificate aur Digital ID Card milta hai
- Rs.15,000 tak ka e-voucher diya jata hai tools kharidne ke liye
- Roz Rs.500 ka stipend milta hai training ke dauraan
- Rs.1 lakh ka pehla loan aur Rs.2 lakh ka second loan milta hai sirf 5% interest par
- Digital transactions ke liye Rs.1 per transaction incentive bhi milta hai (up to 100/month)
- Branding, marketing aur online platforms pe listing jaise support bhi provide hota hai
👤 Kaun Apply Kar Sakta Hai?
Yeh scheme un logon ke liye hai jo kisi traditional trade mein kaam kar rahe hain jaise badhai, darzi, kumhar, mochi, sunaar, barber, etc. Aapki age kam se kam 18 saal honi chahiye. Aapki family mein sirf ek hi vyakti apply kar sakta hai. Aapko kisi aur sarkari loan scheme ka benefit past 5 saal mein nahi mila hona chahiye, ya agar mila ho toh pura chuka diya ho.
📝 Application Process Step-by-Step
1. Sabse pehle aapko apne nearest Common Service Centre (CSC) jaana hoga.
2. Waha Aadhaar-based e-KYC complete hoga.
3. CSC ke madhyam se aapka registration hoga pmvishwakarma.gov.in par.
4. Verification 3 levels pe hoti hai – Panchayat ya Nagar Palika, District Committee aur Screening Committee.
5. Approval ke baad aapko digital certificate aur ID card diya jata hai.
6. Uske baad aapko Basic Skill Training attend karni hoti hai, jisme aapko stipend aur Rs.15,000 toolkit voucher diya jata hai.
7. Aap Rs.1 lakh ka pehla loan apply kar sakte hain. Repayment ke baad Rs.2 lakh ka second loan bhi milta hai.
🔄 July 2025 Latest Update
Scheme mein July 2025 tak lakhon log register ho chuke hain. 2.7 crore se zyada applications aaye hain. 75 lakh se zyada artisans ka verification complete ho chuka hai. Maharashtra, UP, aur Bihar jaise rajyon mein sabse zyada applications aaye hain. Pune district mein hi Rs.10 crore se zyada ka loan distribute ho chuka hai.
Also read this Artcile: Sarkari loanYojana 2025 bina gurantte ke
❓ FAQs
Q1. Kya illiterate log bhi apply kar sakte hain?
Haan, scheme skill based hai, education zaroori nahi hai.
Q2. Kya women artisans apply kar sakti hain?
Bilkul. Scheme sabhi ke liye hai, aur mahila applicants ko encourage kiya ja raha hai.
Q3. Agar pehla loan repay nahi kiya toh?
Aap dusra loan (Rs.2 lakh) nahi le sakte jab tak pehla pura repay nahi hota.
Q4. Digital incentive kaise milta hai?
UPI aur QR code se hone wale verified transactions par Rs.1 milta hai, max 100 transactions tak har mahine.
🛎️ Final Advice
Agar aap kisi bhi traditional kaam se jude hue hain aur apna business grow karna chahte hain, toh PM Vishwakarma Yojana 2025 ek golden opportunity hai. Training, toolkit, sasti loan facility aur digital rewards – sab kuch ek jagah par mil raha hai. Aaj hi apne CSC center se contact karke apply karein!
