Yojana kiske liye hai
PM Vishwakarma un kaarigaron aur shilpkaron ke liye hai jo apne haath aur auzaaron se parivaar ke paaramparik kaam mein self-employed hain. Isme 18 trades aate hain:
- Badhai (Suthar), naav banane wale, armourer, lohar, hathoda aur toolkit banane wale, taala banane wale
- Sunar, kumhar, moortikaar / patthar tarashne wale / patthar todne wale, mochi / joote banane wale
- Rajmistri, tokri / chatai / jhaadu banane wale / coir weaver, paaramparik gudiya aur khilone banane wale
- Naai, maala banane wale (Malakar), dhobi, darzi, machhli pakadne ka jaal banane wale
Kya milta hai
- Pehchaan: PM Vishwakarma certificate aur ID card
- Training: basic training (lagbhag 5–7 din) aur chahein to advanced training, ₹500 roz stipend ke saath
- Toolkit incentive: modern auzaaron ke liye ₹15,000 tak ka e-voucher
- Loan: 5% saalana ki concessional rate par bina collateral loan; interest ka 8% tak hissa sarkar lender ko deti hai
- Digital transactions par incentive aur marketing mein madad
Do installment mein loan
| Installment | Amount | Chukane ka samay |
|---|---|---|
| Pehli | ₹1 lakh tak | 18 mahine |
| Doosri | ₹2 lakh tak | 30 mahine |
Pehli installment basic training ke baad milti hai. Doosri unhe milti hai jinhone pehli use ki, loan account regular rakha, digital transactions apnaaye ya advanced training li.
Eligibility
- Registration ki date par umar kam se kam 18 saal
- Registration ki date par 18 mein se kisi ek trade mein kaam
- Pichhle paanch saal mein self-employment ke liye centre ya state sarkar ki kisi milti-julti loan scheme (jaise PMEGP, PM SVANidhi ya Mudra) se loan na liya ho; Mudra aur SVANidhi loan poora chuka chuke log apply kar sakte hain
- Ek parivaar se sirf ek member; sarkari naukri wale aur unka parivaar eligible nahi
Registration kaise karein
- Aadhaar aur mobile number lekar Common Service Centre (CSC) jaayein. Official portal par Aadhaar-based verification se registration hota hai.
- Application ki jaanch gram panchayat ya nagar nikay level par, phir district aur state committee karti hai.
- Approval ke baad certificate aur ID milta hai, training ke liye bulaaya jaata hai, aur phir bank se loan ke liye apply kar sakte hain.
Yojana se zyada amount chahiye to
Yojana ka loan auzaar aur thodi working capital ke liye hai. Workshop ya dukaan badhaane ke liye badi amount chahiye to bank aur NBFC ka regular business loan doosra raasta hai.
Oxon Fintech koi sarkari agency nahi hai aur is yojana ki applications nahi leta. Official portal ya bank branch par hi apply karein, aur yojana ka loan pass karaane ke naam par paise maangne walon se savdhaan rahein. Yojana ke rules badalte rehte hain; apply karne se pehle official site dekhein.