PM Vishwakarma Yojana: Reasons and solutions for not getting benefits! Know how to apply online.
PM Vishwakarma Yojana : Pradhan Mantri Vishwakarma Yojana is an important initiative launched by the Government of India, which aims to provide financial and technical assistance to the artisans and craftsmen of the country. The scheme was launched on 17 September 2023 and its main objective is to support those artisans who work with the help of their hands and tools.
What is the Prime Minister’s Vishwakarma Scheme?
Pradhan Mantri Vishwakarma Yojana is a Central Sector Scheme that provides holistic support to artisans and craftsmen. The scheme covers artisans engaged in 18 traditional occupations, including carpenter, boat maker, weapon maker, blacksmith, hammer and tool kit maker, locksmith, goldsmith, potter, sculptor, stone breaker, cobbler, mason, basket/mat/broom maker, doll and toy maker, barber, garland maker, washerman, tailor and fishing net maker.
Table of Contents
Detailed description of the scheme
Key benefits of the scheme
The following benefits are provided to artisans and craftsmen under the Pradhan Mantri Vishwakarma Yojana:
| Benefit | Description |
| Recognition | Artisans and craftsmen will be recognized through PM Vishwakarma Certificate and ID Card. |
| Skill Upgradation | Basic training of 5-7 days and upgradation training of 15 days or more, with a stipend of Rs 500 per day. |
| Toolkit Incentive | A toolkit incentive of up to Rs 15,000 in the form of e-voucher will be given at the beginning of basic skill training. |
| Credit Assistance | The loan up to Rs 3 lakh without any collateral will be given in two installments of Rs 1 lakh and Rs 2 lakh with a tenure of 18 months and 30 months respectively. This loan will be given at a concessional interest rate of 5%, with the government providing an interest rebate of up to 8%. |
| Incentives for digital transactions | An amount of Rs 1 for each digital transaction will be credited to the beneficiary’s account up to a maximum of 100 transactions per month. |
| Marketing Support | Marketing support will be provided to the artisans and craftsmen through quality certification, branding, onboarding on e-commerce platforms such as GeM, advertising, promotions and other marketing activities. |
Eligibility Criteria
The following are the eligibility criteria for Pradhan Mantri Vishwakarma Yojana:
- Occupation: The artisan or craftsman must be engaged in any of the 18 specified traditional occupations.
- Age: Applicant must be 18 years of age or older.
- Active in Business: The applicant must be active in his business at the time of registration.
- Previous Benefits: The applicant should not have availed any benefit of Central or State Government scheme like PMEGP, PM SVANidhi, or Mudra in the last 5 years.
- One member of a family: Only members of a family, which includes husband-wife and their unmarried children, can avail the benefit of this scheme.
- Government Employees: Government employees and their family members are not eligible for this scheme.
Online Application Process
Following is the process to apply online for Pradhan Mantri Vishwakarma Yojana:
Step 1: Aadhaar and Mobile Verification
- First of all, you have to contact your nearest Common Service Center (CSC) or Gram Panchayat Department.
- There you will be verified through your Aadhar card and mobile number.
Step 2: Artisan Registration
- After Aadhar and mobile verification, you have to fill the artisan registration form.
- In this, you have to fill your business, address and other personal information.
Step 3: PM Vishwakarma Certificate
- After registration, you will receive PM Vishwakarma Certificate and ID Card.
- This certificate will provide you recognition under the scheme.
Step 4: Apply for a loan
- After getting the certificate, you can apply for a loan.
- The first installment of the loan will be Rs 1 lakh and the second installment will be Rs 2 lakh with a tenure of 18 months and 30 months respectively.
- The loan will be given at a concessional interest rate of 5%, with the government providing an interest rebate of up to 8%.
Reasons and solutions for not getting benefits
In some cases, beneficiaries may be deprived of the benefits of the scheme. Here are some common reasons and their solutions:
Lack of eligibility criteria
- Reason: If the applicant does not fulfill the eligibility criteria, he/she will not get the benefits of the scheme.
- Solution: The applicant must ensure that he/she fulfills all the eligibility criteria. If there is any deficiency, he/she must fulfill it first.
Lack of documents
- Reason: If the required documents are not complete, the application may get rejected.
- Solution: The applicant must ensure that all the required documents, such as Aadhaar card, occupation certificate, and other personal information documents, are complete and correct.
Technical issues
- Reason: The online application process might encounter technical issues.
- Solution: In such cases, the applicant should contact his nearest CSC or Gram Panchayat department and take technical support.
conclusion
Pradhan Mantri Vishwakarma Yojana is an important scheme for artisans and craftsmen, which provides them financial, technical and marketing support. This scheme helps to improve their economic condition and make them self-reliant. If you are eligible for this scheme and are not getting the benefits, then take note of the above reasons and solutions and take the necessary steps.
Disclaimer
Note: This information about Pradhan Mantri Vishwakarma Yojana is based on available public sources and government announcements. This scheme may be real or may be implemented in future, but it is necessary to contact official government websites or concerned authorities for confirmation and detailed information. This article is written for the purpose of providing general information only and it would be advisable to take expert advice before taking any decision.
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