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Bharat sarkar dwara shuru ki gayi PM Vishwakarma Yojana aaj ke samay mein garib aur madhyam varg ke karigaron ke liye kisi vardan se kam nahi hai. Agar aap hath se kaam karne waale shilpkar ya karigar hain, jaise ki badhai, lohar, darzi, ya sunar, toh ye scheme aapki kismat badal sakti hai. 2026 mein sarkar ne iske rules mein kuch bade badlav kiye hain taaki zyada se zyada logon tak iska labh pahunch sake.
Is article mein hum bistar se baat karenge ki kaise aap ₹15,000 ki free tool-kit aur bina kisi guarantee ke ₹3 lakh tak ka loan le sakte hain.
PM Vishwakarma Yojana ek aisi scheme hai jise khas taur par un logon ke liye banaya gaya hai jo apne hathon aur purane auzaron (tools) se kaam karte hain. Bharat mein sadiyon se chali aa rahi 'Guru-Shishya' parampara ko zinda rakhne aur karigaron ko modern market se jodne ke liye ise launch kiya gaya tha. Is yojana ka budget ₹13,000 crore se bhi zyada rakha gaya hai.
| S.No. | Karigar / Shilpkar (Trade) | Kaam ka Vivran (Description) |
|---|---|---|
| 1 | Badhai (Carpenter) | Lakdi ka kaam karne waale. |
| 2 | Naav Nirmata (Boat Maker) | Lakdi ki naav banane waale. |
| 3 | Lohar (Blacksmith) | Lohe ke auzar banane waale. |
| 4 | Hathoda aur Toolkit Nirmata | Auzar aur toolkit banane waale. |
| 5 | Tala Banane Waale (Locksmith) | Tala-chabhi ka kaam karne waale. |
| 6 | Sunar (Goldsmith) | Sone aur chandi ke gahne banane waale. |
| 7 | Kumhaar (Potter) | Mitti ke bartan banane waale. |
| 8 | Moortikar (Sculptor) | Pathar ya mitti ki murti banane waale. |
| 9 | Mochi (Cobbler) | Jootey-chappal banane waale. |
| 10 | Rajmistri (Mason) | Makan banane waale mistri. |
| 11 | Bunkar (Basket/Mat Maker) | Tokri, chatai aur jhadu banane waale. |
| 12 | Khilona Nirmata | Gudiya aur khilona banane waale. |
| 13 | Mala Banane Waale | Phoolon ki mala banane waale. |
| 14 | Dhobi (Washerman) | Kapde dhone waale. |
| 15 | Darzi (Tailor) | Kapde silne waale karigar. |
| 16 | Nayi (Barber) | Baal katne waale. |
| 17 | Machli Jaal Nirmata | Machli jaal banane waale. |
| 18 | Kunchi (Broom) Maker | Jhadu aur brush banane waale. |
| Kaam (Purpose) | Official Link |
|---|---|
| Official Website (Main Portal) | Visit Site |
| CSC Locator (Apne Paas Ka Center) | Find Center |
| Login Page (For CSC Operators) | Operator Login |
| Guidelines & Rules (PDF) | Download PDF |
Is yojana ke andar milne waale fayde itne bade hain ki har mazdoor aur karigar ko iska form bharna chahiye:
Apply karne ke baad aapko ek official certificate aur pehchan patra milta hai. Isse aapki pehchan ek 'Certified Karigar' ke roop mein hoti hai, jisse aapko sarkari kshatran mein kaam milne mein asani hoti hai.
Aapko 5 se 7 din ki basic training di jati hai. Agar aap aur seekhna chahte hain, toh 15 din ki advanced training bhi le sakte hain. Is training mein aapko modern machines chalana sikhaya jata hai.
Sabse achhi baat ye hai ki training ke dauran aapki dihadi (income) mari nahi jayegi. Sarkar aapko har din ₹500 ka stipend degi. Yani training bhi free aur upar se paisa bhi milega.
Training khatam hone ke baad, sarkar aapko ₹15,000 ka e-voucher ya paisa degi taaki aap apne kaam ke liye naye aur modern auzar (tools) kharid sakein. Ek darzi ke liye ye nayi machine ho sakti hai, toh ek mistri ke liye naye tools.
Apne business ko badhane ke liye aapko ₹3 lakh tak ka loan milta hai:
Pehli kisht: ₹1,00,000 (18 mahine ke liye).
Doosri kisht: ₹2,00,000 (30 mahine ke liye). Is loan par byaj (interest) sirf 5% hota hai, jo ki market se bahut kam hai. Baki ka byaj sarkar khud bharti hai.
Agar aap apne kaam ka paisa online (UPI ya QR code) se lete hain, toh har transaction par sarkar aapko ₹1 ka cashback degi (mahine mein 100 transactions tak).
Sarkar ne 2026 mein kuch naye niyam jode hain taaki fraud roka ja sake:
Ek Parivar, Ek Labh: Parivar mein sirf ek hi vyakti iska labh le sakta hai (Pati, patni aur avivahit bachche ek parivar maane jayenge).
Sarkari Naukri: Agar parivar mein koi bhi vyakti sarkari naukri mein hai, toh wo apply nahi kar sakta.
Purana Loan: Agar aapne pichle 5 saal mein PMEGP, PM SVANidhi ya Mudra loan liya hai aur wo abhi tak chukaya nahi hai, toh dikkat ho sakti hai.
Age Limit: Apply karne waale ki umar kam se kam 18 saal honi chahiye.
Apply karne se pehle ye kagaz taiyar rakhein:
Aadhaar Card (Mobile number se link hona chahiye).
Bank Passbook (Loan ka paisa isi mein aayega).
Mobile Number.
Ration Card (Parivar ki pehchan ke liye zaruri hai).
Caste Certificate (Agar lagu ho toh).
Iska process online hai, lekin aap ise ghar baithe khud nahi kar sakte kyunki isme biometric verification lagta hai. Niche diye steps follow karein:
CSC Center Jayein: Apne nazdiki Common Service Center (CSC) ya Jan Seva Kendra par jayein.
Registration: CSC operator PM Vishwakarma portal par aapka Aadhaar biometric (ungli ka nishaan) lekar registration karega.
Verification: Aapka form 3 level par check hota hai—pehle Gram Panchayat (Sarpanch), phir District level, aur phir State level.
Training: Verification pass hone ke baad aapko training ke liye bulaya jayega.
Benefit: Training puri hote hi certificate aur toolkit ka paisa mil jayega.
Zadatar kisan bhai kheti ke saath-saath koi na koi side business karte hain, jaise lakdi ka kaam ya lohar ka kaam. PM Vishwakarma Yojana unhe wo extra sahara deti hai jo kheti ke nuksan ke samay kaam aata hai. ₹3 lakh ka sasta loan lekar aap apna chota sa karkhana khol sakte hain aur shehar jane ki zarurat nahi padegi.
PM Vishwakarma Yojana sirf ek loan scheme nahi hai, balki ye karigaron ke samman ki yojana hai. Agar aap mehnat karna jante hain aur apne hunar ko badhana chahte hain, toh aaj hi apne nazdiki CSC center jayein aur isme apply karein. ₹15,000 ki toolkit aur 5% byaj par loan aapke rozgar ko ek naye star par le ja sakta hai.
Note: Dhyan rahe ki is yojana ke liye koi bhi fees nahi lagti (CSC ki nominal charge ko chhod kar). Kisi bhi agent ko paisa na dein.
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