PM Vishwakarma Loan Apply 2025 – Step by Step Guide, Eligibility & Benefits

PM Vishwakarma Loan Apply ka process 2025 me kaise karein? Janen eligibility, required documents, loan amount, interest rate aur online application steps is detailed guide me.

---

Introduction

Government of India ne PM Vishwakarma Yojana launch kiya hai jisme traditional artisans aur craftsmen ko collateral-free loan provide kiya jata hai. Agar aap apna business expand karna chahte ho, naye tools lena chahte ho ya self-employment start karna chahte ho, toh PM Vishwakarma Loan Apply karke aapko sasta loan mil sakta hai.

---

PM Vishwakarma Loan Apply Scheme Kya Hai?

• Launch: September 2023 (Narendra Modi Govt.)

• Target: Traditional artisans, craftsmen aur Vishwakarma community workers

• Loan Support: Upto ₹3 lakh tak

• Interest Rate: Subsidized @ 5% (Govt. support ke saath)

• Objective: Employment generation + traditional skills ka promotion

---

Eligibility for PM Vishwakarma Loan Apply

1. Applicant Indian citizen hona chahiye

2. Vishwakarma community ke artisans/workers (e.g., carpenter, blacksmith, goldsmith, potter, barber, washerman, cobbler etc.)

3. Age limit: 18–55 years

4. Aadhaar se linked bank account hona chahiye

5. Applicant ne pehle koi similar government scheme ka loan nahin liya ho

---

Documents Required

• Aadhaar Card & PAN Card

• Domicile Proof

• Business/Occupation details

• Bank account details (linked with Aadhaar)

• Passport size photos

• Mobile number & Email ID

---

PM Vishwakarma Loan Apply Online – Step by Step

1. Visit official portal: https://pmvishwakarma.gov.in

2. “Apply for Loan” section par click karein

3. Aadhaar-based eKYC complete karein

4. Application form fill karein – personal, occupation & business details

5. Documents upload karein

6. Submit application – acknowledgement number generate hoga

7. Bank verification ke baad loan sanction kiya jata hai

👉 Offline application bhi CSC (Common Service Centre) ke through possible hai.

---

Loan Amount & Interest Rate

• 1st Tranche: ₹1 lakh (repayable in 18 months)

• 2nd Tranche: ₹2 lakh (repayable in 30 months, agar 1st loan sahi time par repay kiya gaya)

• Interest Subsidy: 5% effective rate (baaki subsidy govt. cover karti hai)

---

Benefits of PM Vishwakarma Loan

• Collateral-free loan

• Low interest (just 5%)

• Digital training aur skill upgradation ka support

• Market linkage aur branding ka benefit

• Easy repayment terms

---

FAQs – PM Vishwakarma Loan apply

Q1. PM Vishwakarma Loan ke liye kaun apply kar sakta hai?
👉 Traditional artisans aur craftsmen jo Vishwakarma community se belong karte hain.

Q2. Maximum loan kitna milta hai?
👉 Total ₹3 lakh (₹1 lakh + ₹2 lakh second tranche).

Q3. Loan apply karne ka process online hai ya offline?
👉 Dono – official portal ya CSC centres ke through apply kar sakte ho.

Q4. Interest rate kitna lagega?
👉 Sirf 5% (Govt. subsidy ke baad).

Q5. Kitne din me loan sanction hota hai?
👉 Usually 15–30 working days, bank verification ke baad.

---

Conclusion + CTA

PM Vishwakarma Loan Yojana artisans aur craftsmen ke liye ek golden opportunity hai. Agar aap apne traditional skills ke saath apna business grow karna chahte ho, toh PM Vishwakarma Loan Apply Online karke is scheme ka fayda uthaiye.

👉 Abhi apply karein: https://pmvishwakarma.gov.in

Related 

Microfinance Group Loan – A Complete Guide