Modi Vishwakarma : ಸ್ವಂತ Business ಮಾಡಬೇಕು ಅಂತ ಇರೋರಿಗೆ 3 ಲಕ್ಷ ಹಣ ಸಿಗುತ್ತೆ ಸರ್ಕಾರದಿಂದ ತಕ್ಷಣ ಅರ್ಜಿ ಸಲ್ಲಿಸಿ

The Pradhan Mantri Vishwakarma Yojana (PM Vishwakarma Yojana) was launched by Prime Minister Narendra Modi on September 17, 2023, with the aim of providing comprehensive support to India’s traditional artisans and craftsmen. This initiative focuses on empowering individuals engaged in 18 traditional occupations by offering them training, modern tools, financial assistance, digital empowerment, and market linkages.

Key Features of the Scheme

1. Recognition and Certification

• Beneficiaries are provided with a Vishwakarma Certificate and an Identity Card to formally recognize their skills and craftsmanship.

2. Skill Development

• Training programs are provided in two phases:
  • Basic Training: 5-7 days (40 hours).
  • Advanced Training: 15 days (120 hours).
• Trainees receive a daily stipend of ₹500 during the training period.

3. Toolkits and Incentives

• An e-voucher worth ₹15,000 is given to beneficiaries to purchase modern tools upon completing the basic training.

4. Financial Assistance

• The scheme provides collateral-free business loans in two phases:
  • Phase 1: ₹1 lakh for 18 months.
  • Phase 2: ₹2 lakh for 30 months.
• Loans are offered at a subsidized interest rate of 5%, with the government covering the remaining 8% interest subsidy.

5. Digital Empowerment

• Beneficiaries receive incentives for adopting digital transactions:
  • ₹1 per digital transaction, capped at 100 transactions per month.

6. Market Support

• Assistance is provided for:
  • Quality certification.
  • Branding and promotion.
  • Integration with e-commerce platforms.
  • Advertising and other marketing activities to expand market reach.

Eligible Occupations Under the Scheme

The scheme benefits individuals working in 18 traditional crafts and trades, including:

1. Carpenter
2. Boat Maker
3. Blacksmith
4. Goldsmith
5. Potter
6. Sculptor
7. Mason
8. Basket Weaver
9. Tailor
10. Toy Maker
11. Barber
12. Washerman
13. Cobbler
14. Garland Maker
15. Fisherman
16. Stone Breaker
17. Oil Presser
18. Tanner

Eligibility Criteria

To benefit from the scheme, applicants must meet the following conditions:

1. Age: Must be at least 18 years old.
2. Occupation: Must be engaged in one of the 18 eligible traditional trades.
3. Loan History: Should not have availed of loans under similar schemes in the last 5 years.
4. Family Limitation: Only one member per family is eligible for the scheme.

How to Apply

1. Registration: Beneficiaries can register at their nearest Common Service Center (CSC).
2. Documents Required:
   • Aadhaar Card
   • Mobile Number
   • Bank Details
   • Ration Card
3. Verification Process:
   • Applications are verified in three stages:
     • At the village panchayat or urban local body level.
     • By the district executive committee.
     • Final approval by the transparency committee.

Benefits of the Scheme

1. Skill Enhancement: Improves artisans’ abilities with professional training.
2. Modern Tools: Facilitates the adoption of modern tools and equipment.
3. Affordable Loans: Provides low-interest loans to grow their businesses.
4. Digital Transactions: Encourages digital payments for increased financial inclusion.
5. Market Connectivity: Opens doors to better markets through branding, certification, and online sales platforms.
6. Economic Empowerment: Enhances financial stability and the standard of living for traditional artisans.

Implementation and Progress

• Budget Allocation: The scheme has a budget of ₹13,000 crore for five years (2023-2028).
• Target Reach: Aims to benefit 30 lakh families across India during the implementation period.
• Current Progress: Training programs, toolkits, and loans are already being distributed in several states.

Contact and Support

For more details, beneficiaries can:

• Visit the official website: pmvishwakarma.gov.in
• Approach the nearest Common Service Center (CSC).

The Pradhan Mantri Vishwakarma Yojana is a transformative step towards empowering India’s traditional artisans and craftsmen. By bridging the gap between their age-old skills and modern business practices, this scheme ensures sustainable livelihoods and a brighter future for millions of families across the country.