PM Vishwakarma yojana loan — badhai, lohar, kumhar, darzi, sunar jaise traditional karigaron ke liye sarkar ki sabse badi madad me se ek hai. 17 September 2023 ko launch hui is yojana (kull budget ₹13,000 crore, 2023-24 se 2027-28 tak) me artisans ko sirf loan hi nahi, training, toolkit aur marketing support bhi milta hai. Is guide me loan wale hisse ko detail me samjhenge.
PM Vishwakarma Yojana Loan Kitna Milta Hai?
Loan collateral-free hai — matlab koi guarantee ya girvi nahi chahiye. Ye do kishton me milta hai:
- Pehli kisht: ₹1 lakh tak — 18 mahine me chukana hota hai
- Dusri kisht: ₹2 lakh tak — 30 mahine me chukana hota hai
- Byaaj dar: sirf 5% fixed (concessional) — baaki byaaj (8% tak) sarkar bank ko interest subvention ke roop me deti hai
Dusri kisht tabhi milti hai jab pehli kisht ka repayment theek se ho gaya ho aur aapne digital transactions apnaye hon ya advanced training poori ki ho.
PM Vishwakarma yojana loan “Enterprise Development Loan” kehlata hai — matlab apne kaam ko badhane, aadhunik auzaar kharidne ya working capital ke liye istemal kiya ja sakta hai.
Loan Ke Alawa Kya-Kya Milta Hai?
- Toolkit: ₹15,000 tak ka e-voucher — apne trade ke aadhunik auzaar kharidne ke liye
- Training stipend: Basic training (5–7 din) aur Advanced training (15+ din) ke dauran ₹500 roz ka stipend, DBT se
- Digital incentive: Bank account me har digital transaction par ₹1, mahine me 100 transactions tak
- Marketing support: Trade fair, exhibition, branding aur GeM jaise e-commerce platforms par madad
- Pehchaan: PM Vishwakarma certificate aur ID card
Kaun Apply Kar Sakta Hai?
- Umar 18 saal ya zyada, aur 18 notified traditional trades me se kisi ek me haath se kaam karne wala artisan/craftsperson
- Asangathit (unorganised) sector me self-employment par kaam karta ho
- Ek parivar (pati, patni, avivahit bachche) se sirf ek sadasya
- Pichle 5 saalon me self-employment/business ke liye kisi sarkari credit scheme ka loan na liya ho
- Sarkari naukri wale ya unke parivar ke sadasya eligible nahi hain
18 trades me badhai (carpenter), lohar (blacksmith), kumhar (potter), darzi (tailor), sunar (goldsmith), mochi, dhobi, naai, mistri aur hathkargha bunkar jaise kaam shaamil hain.
Registration Kaise Karein?
- CSC (Common Service Centre) par jaakar registration karayein — seedha online self-registration ka option seemit hai, CSC hi adhikrit madhyam hai.
- Aadhaar (mobile se linked), bank account details, photo aur trade se judi jaankari taiyar rakhein.
- Verification ke baad basic training poori karein — iske baad toolkit voucher aur pehli loan kisht ke liye eligible honge.
- Status pmvishwakarma.gov.in par check kar sakte hain; helpline: 1800-599-3957 (toll-free).
Business ke liye sarkari loan ke doosre options jaanna ho to Mudra Loan Kaise Lein aur PMEGP Loan Guide padhein.
PM Vishwakarma Yojana Loan Lene Se Pehle 3 Baatein
- Repayment record hi dusri kisht ka darwaza kholta hai — EMI time par bharein.
- Digital transactions apnayein — har mahine 100 tak transactions par incentive bhi milta hai.
- Loan sirf vyapar ke liye lein; niji kharch ke liye nahi — 5% ka sasta byaaj tabhi faydemand hai jab paisa kamane me lage.
PM Vishwakarma yojana loan ka sabse bada fayda ye hai ki isme koi collateral nahi lagta aur byaaj dar bazaar se kaafi kam hai. Pehli kisht se aadhunik auzaar kharidein, apne product ki quality behtar banayein aur digital payment apnakar incentive ka fayda uthayein. Dusri kisht ke liye time par repayment aur digital transactions ka record sabse zaroori hai — isi track record par aage bank se aur bada loan lena bhi aasaan ho jayega.
PM Vishwakarma yojana loan scheme ki official guidelines aur registration pmvishwakarma.gov.in par dekhein.
Yeh sirf jaankari hai, financial advice nahi hai. Loan ke terms bank se likhit me zaroor lein.