Key points
- PM Vishwakarma, MSME Ministry ki yojana hai jo haath aur auzaaron se kaam karne wale paramparik karigaron ko training, toolkit aur loan ki madad deti hai.
- Training ke dauraan ₹500 roz ka stipend aur ₹15,000 ka toolkit incentive official page par bataya gaya hai.
- Bina collateral ₹1 lakh (pehli kisht) aur ₹2 lakh (doosri kisht) ka loan 5% concessional byaaj par milta hai.
- Registration nazdeeki CSC (Common Service Centre) ke zariye hota hai; kamaai aapke kaam, samay aur maang par nirbhar karti hai.
Agar aap kisi paramparik, haath aur auzaaron wale hunar se apni rozi kamate hain, to PM Vishwakarma yojana aapke kaam ko aage badhane mein madad kar sakti hai. Ye Ministry of Micro, Small and Medium Enterprises (MSME) ki Central Sector Scheme hai, jo shuruaat mein 2027-28 tak paanch saal ke liye laagu hai. Iska maqsad karigaron ko pehchaan, skill training, behtar auzaar, sasta loan aur bazaar tak pahunch dilaana hai. Neeche ki jaankari Bharat sarkar ke myScheme portal se li gayi hai.
Koi bhi kaam shuru karne se pehle platform ki official terms padhein. Kamaai ki koi guarantee nahi hoti.
Kaun apply kar sakta hai?
- Haath aur auzaaron se kaam karne wala karigar ya shilpkar, jo unorganised sector mein swarozgar kar raha ho.
- Yojana mein shaamil 18 paramparik, parivaar-aadharit trades mein se kisi ek mein kaam karta ho (poori list official portal par hai).
- Registration ki tareekh par umar kam se kam 18 saal ho aur us din bhi wahi kaam kar raha ho.
- Pichhle 5 saal mein PMEGP, PM SVANidhi ya Mudra jaisi swarozgar loan yojanaon se loan na liya ho.
- Ek parivaar se sirf ek member ko laabh milega. Sarkari naukri wale aur unke parivaar ke sadasya eligible nahi hain.
Kya-kya madad milti hai?
| Madad | Official page ke anusaar |
|---|---|
| Pehchaan | PM Vishwakarma certificate aur ID card |
| Basic training | Skill verification ke baad 5-7 din (40 ghante) |
| Advanced training | Ichhuk logon ke liye 15 din (120 ghante) |
| Training stipend | ₹500 prati din |
| Toolkit incentive | ₹15,000 |
| Loan (bina collateral) | ₹1 lakh pehli kisht (18 mahine mein chukana), ₹2 lakh doosri kisht (30 mahine mein chukana) |
| Byaaj | Laabharthi se 5%; baaki subvention (8% tak) MSME Ministry deti hai |
| Digital payment incentive | ₹1 prati transaction, mahine mein 100 transactions tak |
Iske alawa yojana ke tahat quality certification, branding, e-commerce se judne aur trade fairs jaisi marketing support ka bhi pravdhan hai. Credit guarantee fees sarkar uthati hai.
Shuru kaise karein: step by step
- Step 1 – Documents tayyar rakhein: Aadhaar, mobile number, bank details aur ration card. Ration card na ho to parivaar ke sabhi sadasyon ke Aadhaar card chahiye. Bank account na ho to CSC pehle account khulwane mein madad karta hai.
- Step 2 – Registration: PM Vishwakarma ke official portal par “CSC – Register Artisans” ke zariye Aadhaar-linked mobile par OTP se verification hota hai. Aap khud ya nazdeeki CSC ki madad se ye kar sakte hain.
- Step 3 – Application: CSC par biometric verification karayein, online form bharein aur application number sambhal kar rakhein.
- Step 4 – Verification: Gram Panchayat ya Urban Local Body star par jaanch, phir District Implementation Committee aur Screening Committee se manzoori.
- Step 5 – Training aur aage: Manzoori ke baad digital ID aur certificate milta hai, jiske baad training, toolkit aur loan jaise laabh liye ja sakte hain.
Kharch aur dhyan dene wali baatein
Official page par registration ke liye koi fees nahi batayi gayi hai. Loan par 5% byaaj aapko dena hoga aur tay samay mein kisht chukani hogi. Is yojana se kitni kamaai badhegi, ye aapke hunar, kaam mein lagaye samay, product ki quality aur aapke ilaake ki maang par nirbhar karta hai. Koi bhi aapko pakki kamaai ka vaada nahi kar sakta.
Yojana ke naam par agar koi agent “approval dilaane” ya “loan pass karaane” ke liye paise maange, to savdhaan rahein aur sirf official portal ya CSC ke zariye hi process karein. Registration abhi khula hai ya nahi aur trades ki poori list, ye official portal par zaroor check karein. Loan ki kisht ka andaza lagane ke liye hamara EMI Calculator istemal kar sakte hain.
Sources:
Ye jaankari sirf shiksha aur jaankari ke liye hai, financial ya legal advice nahi.
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