The central government is giving a loan of 3 lakh rupees without guarantee, this work has to be done

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PM Vishwakarma Yojana: If you want to start your own business and have financial problems, a loan of up to 3 lakh rupees is available under this government scheme without any guarantee. Under this scheme, certain rules are laid down and to get the guarantee, you must be involved in any one of the 18 businesses included in the scheme.

The loan amount is issued in two phases

Under the PM Vishwakarma Yojana, the government has provided a loan of up to 3 lakh rupees, which is issued in two phases. Under this scheme, a loan of Rs 1 lakh is given in the first phase to start a business, while after its start, a loan of Rs 2 lakh is given to the beneficiary in the second phase to grow the business. This loan is provided at a highly concessional rate of 5 percent without any collateral.

Provision of training as well as stipend in addition to loan

The scheme was launched in September 2023. The objective of this scheme is to provide financial assistance to skilled people and encourage them to start business, which offers many other benefits besides loans. In which skill training has also been arranged for people involved in various trades to establish business in that field and stipend has also been provided during the training. The training is about one week by master trainers. Besides PM Vishwakarma certificate and ID card, basic and advanced training related skill upgradation, Rs. 15,000 toolkit incentive, will encourage digital transactions.

People involved in 18 businesses will get loans

the carpenter

boat builder

Blacksmith

Locksmith

Goldsmith

A potter

Sculptor

Mistry

A fish net maker

Tool kit maker

Stone breakers

Cobblers/Shoemakers

Basket/mat/broom makers

Makers of dolls and other toys (traditional)

the barber

garland makers

the washerman

the tailor

Eligibility for availing loan

- Applicant must be a citizen of India

- Must be associated with one of the 18 trades determined by Vishwakarma

- Applicant age should be above 18 years and below 50 years

- Must have a relevant profession certificate from a recognized institution

- The applicant should belong to any one of the 140 castes included in the scheme

Documents required for the scheme

- aadhar card

- Income certificate

- PAN card

- Credentials

- Caste certificate

- Bank passbook

- Mobile number

- address proof

- Passport size photograph

Apply for the scheme like this

- Go to official government website pmvishwakarma.gov.in

- Click Apply Online for PM Vishwakarma Kaushal Samman Yojana on homepage

- You have to register in it

- Information regarding registration number and password will be received through SMS on registered mobile number

- After filling the form completely, all the documents have to be scanned and uploaded

- All information has to be checked and submitted.

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