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Business

Money is money! In this scheme of Modi government, loan of ₹ 3 lakh is being given without guarantee, interest is also only 5 percent.

me.sumitji@gmail.com 19 Jun 2026 1 hour ago

New Delhi: If you also want to start your own small business or want to take your business forward, then the Narendra Modi government at the Center has brought a very good scheme for you. Modi government is running many schemes to make the common people and artisans of the country self-reliant. One of these very popular schemes is – ‘PM Vishwakarma Yojana’. The biggest feature of this government scheme is that in this you get a loan up to ₹ 3 lakh without any guarantee. That means you do not need to pledge anything of any kind to take a loan.

You will be thrilled to know the interest rate, the government will bear the remaining expense. In today's time, when one has to pay a huge interest of 10 to 15 percent on taking a personal loan from the bank, under this special scheme of the Modi government, the beneficiaries get the loan at a very cheap and concessional interest rate of only 5 percent per annum. Now you might be wondering who will pay the remaining interest? So let us tell you that whatever remaining interest is earned on this loan, the government itself pays it to the banks in the form of subsidy. Let us know everything in detail about this amazing scheme.

This scheme will change the fate of people involved in these 18 traditional occupations The scope of PM Vishwakarma Yojana is quite large and mainly 18 traditional occupations are included in it. If you do any of these things, then you are entitled to this scheme. Carpenters, blacksmiths, boat makers, armor makers, hammer and tool kit makers, as well as locksmiths have been included under this scheme. Apart from this, goldsmiths, sculptors (stone carvers), potters (pottery makers) and cobblers (shoe makers) can also take advantage of this. This much Not only this, basket, mat or broom makers, jute weavers, masons, barbers, malakars (garland makers) and washermen (washers of clothes) have also been brought under the ambit of the scheme. At the same time, tailors, fishing net makers and artisans making traditional dolls and toys can also easily apply for this scheme.

Loan of ₹ 3 lakh will be available in two installments, there will be plenty of time to repay it. The loan of ₹ 3 lakh available under this scheme is not given in one go but in two easy installments so that you can increase your work gradually. In the first phase, a loan of up to Rs 1 lakh is given to the eligible beneficiary to start or expand his business. You get full 18 months to repay this first installment. When you repay this first loan on time, an additional loan of up to Rs 2 lakh is given to you in the second phase of the scheme. The government gives you a long period of 30 months to repay this second installment.

Apart from loan, you will get ₹15,000 for ID card, free training and toolkit. In this scheme of Modi government, you not only get cheap loan but also get many other wonderful facilities. All the artisans who register under the scheme are given a 'PM Vishwakarma Certificate' and official 'ID Card', which gives them a new identity in the society and market. Along with this, special skill upgradation training is also given to the artisans in the training centers set up by the government to make their work more modern. To purchase new and modern tools to do the work better, a toolkit incentive of up to ₹ 15,000 is given absolutely free by the government in the form of e-voucher.

what is loan Eligibility for admission and how to apply? If you also want to avail the benefits of PM Vishwakarma Yojana, then some important conditions will have to be fulfilled for this. First of all, the age of the applicant should be at least 18 years or more. Apart from this, he should be self-employed (working on his own) in any of the traditional occupations mentioned above. If you are completely eligible for this scheme, then you can apply for it online. Keep in mind that applications under this scheme are accepted only through the official and official web portal of PM Vishwakarma. Do not fall prey to any fake website and get yourself registered by going directly to the government portal.

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