PM VISHWAKARMA

Ministry of MSME, Government of India

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 Budget Announcement on PM Vishwakarma

Hon’ble Finance Minister (Budget Speech, 1st February, 2023):

Benefits
“For centuries, traditional artisans and craftspeople, who work
with their hands using tools, have brought renown for India. They 1. Recognition: PM Vishwakarma
are generally referred to as Vishwakarma……The new scheme will Certificate and ID Card
enable them to improve the quality, scale and reach of their
products, integrating them with the MSME value chain. The 2. Credit Support
components of the scheme will include not only financial support 3. Skill Upgradation
but also access to advanced skill training, knowledge of modern
digital techniques and efficient green technologies, brand 4. Toolkit Incentive
promotion, linkage with local and global markets, digital 5. Incentive for Digital Transaction
payments, and social security. This will greatly benefit the
Scheduled Castes, Scheduled Tribes, OBCs, women and people
6. Marketing Support
belonging to the weaker sections.”

A scheme to recognize and empower traditional artisans and craftspeople working with hands using tools
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 Hon’ble Prime Minister’s Speech on PM Vishwakarma

“Traditionally, crores of 'Vishwakarmas' who create

something or the other by working hard with their
hands, tools and equipment are the builders of this
country. We have a huge list of countless people like the Trades mentioned by
Hon’ble PM
blacksmiths, goldsmiths, potters, carpenters, sculptors,
1. Lohar (Blacksmith)
artisans, masons etc. The country has brought various
2. Sonar (Goldsmith)
incentive schemes for the first time in this budget to
3. Kumhaar (Potter)
support the hard work of all these Vishwakarmas.
4. Suthar (Carpenter)
Provisions have been made for training, technology,
5. Moortikaar (Sculptor)
credit and market support for such people.”
6. Kaarigar (Artisans)
-Post Budget Address, 1st February, 2023
7. Raajmistri (Mason)
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 Salient Aspects of PM Vishwakarma
A. Coverage B. Benefits
1. Families of traditional artisans and 1. PM Vishwakarma Certificate & ID Card
craftspeople: Guru-Shishya Parampara 2. Credit Support
2. Initially 18 traditional trades covered 3. Skill Upgradation
3. Planned for 30 lakh beneficiaries 4. Toolkit Incentive
4. Excluding those covered in similar GoI 5. Incentive for Digital Transaction
or State schemes in the past 5 years 6. Marketing Support

C. Process
1. Application based Registration
2. Verification by Gram Panchayat Head/
ULB Executive Head and by District
Implementation Committee
3. Screening Committee for oversight
4. Three-tier Implementation Framework
D. Roll-out
1. Coverage: 1 person per family
2. Bulk covered in first two of five years
3. Launch of scheme on 17.09.2023 with
registration of 1 lakh beneficiaries
4. EFC approved on 18.07.2023
5. Cabinet approved on 16.08.2023 4
 Benefits under PM Vishwakarma
S.N Type Description No. of beneficiaries
1. Registration Recognition as Vishwakarma: PM Vishwakarma Certificate & ID Card 30 lakh
2. Credit Support (a) Collateral free Enterprise Development Loans: 15 lakh
Upto Rs 1 lakh (First Tranche for 18 months repayment)
Upto Rs 2 lakh (Second Tranche for 30 months repayment)
(b) Concessional Rate of Interest @ 5%
subject to interest subvention cap upto 8% by GoI
(Credit Oversight Committee may revise subvention cap keeping in
view prevailing interest rates)
(c) Credit Guarantee fees to be borne by GoI
3. Skill Upgradation (a) Skill Identification followed by 5 days Basic Training Basic: 30 lakh
(b) 15 days or more Advanced Training Advanced: 3 lakh
(c) Training Stipend: Rs 500 per day
4. Toolkit Incentive Rs 15,000 initially through DBT and progressively through e-RUPI/e- 30 lakh
vouchers
5. Incentive for Digital Re. 1 per transaction for maximum 100 transactions per month 30 lakh
Transaction
6. Marketing Support Corpus of Rs 250 crore for quality certification, branding, advertising, 30 lakh
publicity and other marketing activities 5
PM Vishwakarma Certificate

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 Trades and Beneficiaries
S No Initial 18 Trades S No Initial 18 Trades
Wood Based Leather Based
1 Carpenter (Suthar) 10 Cobbler (Charmkar)/Shoesmith/
Footwear artisan
2 Boat Maker Construction
Iron/ Metal Based 11 Mason (Raajmistri )
3 Armourer Others
4 Blacksmith (Lohar) 12 Basket/Mat/Broom Maker/Coir
Weaver
5 Hammer & Tool Kit Maker 13 Doll & Toy Maker (Traditional)
6 Locksmith 14 Barber (Naai)
Gold/ Silver Based 15 Garland Maker (Malakaar)
7 Goldsmith (Sonar) 16 Washerman (Dhobi)
Clay Based 17 Tailor (Darzi)
8 Potter (Kumhaar) 18 Fishing Net Maker
Stone Based
9 Sculptor (Moortikar, Stone Carver), Stone Breaker

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 Process Flow under PM Vishwakarma
Step 2: Registration process: PM Vishwakarma
Step 1: • Gram Panchayat Head/ ULB Outcome: Certificate and ID Card
Application by Executive Head
• District Implementation Committee 1. NPCI for verification of bank account details, 2. SIDBI for
Beneficiary
• Screening Committee Credit Information report through API

Skilling & Toolkit Incentive Credit Digital Transactions Marketing

Advanced Loan application Details forwarded to

Skill Basic Skill payment aggregators
Skill forwarded to bank (After
Identification Training for QR Code • Support for
Training Basic Skill Training)
Standardisation of
SIDBI shares VPA & Products and
• Sanction of loan Processes
Toolkit Incentive • Guarantee Coverage by Mobile No. with NPCI
initially through DBT
CGTMSE • Market Access
and progressively • Disbursement of loan NPCI shares
through GeM, ONDC
through e-RUPI/e- transaction details
and other e-
vouchers with SIDBI
Interest subvention commerce platforms

Skill Certificate amount disbursed to Incentive @ Re 1 for 8

Bank 100 transactions p.m.
 Implementation Framework

Roll out National Steering Committee Enablers

State Monitoring Committee

PM Vishwakarma
Portal
Outreach & Awareness

District Implementation Committee

Deep Involvement
Promote Digital of Banks
Culture
Field Level Agencies
DICs/ Banks/ Skilling Centres/ DFOs/ KVIC

National and Mobile App &

State PMUs Village Artisans and Craftspeople Multilingual Helpline
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 Firewalls for Implementation

1. Aadhaar Verified Registration to ensure no duplication of beneficiaries.

2. Minimum age 18 years on date of registration under PM Vishwakarma.

3. Beneficiaries should not have availed loans under similar credit based self-
employment/ business development schemes e.g. PMEGP, PM SVANidhi, Mudra etc.
of any GoI or State scheme in the past 5 years (self-declaration, due diligence by
banks).

4. Beneficiary should be engaged in the trade on the date of registration

5. Oversight Committee chaired by Secretary, DFS for assured credit flow to

beneficiaries
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 Marketing Linkage and Support
National Committee for Marketing (NCM) will facilitate, Composition of NCM
support and strengthen market linkage and access by:

1. Design development 1. AS & DC, MSME as Chairperson

2. Packaging
2. Representative of DPIIT
3. Brand building
4. Publicity 3. Representative of ONDC
5. Promoting physical and online presence
6. e-Commerce linkage with GeM, Khadi India, 4. Representative of M/o Textiles
MSME Mart and ONDC
5. CEO, KVIC
7. Quality certification
8. Participation in trade fairs Three Experts in the field of
marketing from the
9. Buyer-seller meets 6.
Government/Public Institutes of
10. Promoting local exhibitions eminence like IIM/IIRMA /MDI
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 Role of Common Service Centres (CSC)

• Common Service Centres (CSCs) with their extensive presence in all the Gram Panchayats,

technological capabilities and skilled Village Level Entrepreneurs (VLEs) will register beneficiaries

of the 18 trades on the PM Vishwakarma portal.

• Dissemination of the Scheme through VLEs

• Awareness for enrolment, documents required etc

• Timelines: Date Activity

19th Aug to 22nd August Trial field run of the registration process
23rd August onwards Actual field run and registrations

• Details of the beneficiaries will be collected by VLEs. 5 registrations per VLE (min 2 registrations)
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Thank You

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