Lok Sabha Question No. 4655 (UNSTARRED), answered on 2025-08-21
Subject: Pradhan Mantri Vishwakarma Yojana through PSBs
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Sukhjinder Singh Randhawa, Shri Sher Singh Ghubaya

4655.

## GOVERNMENT OF INDIA MINISTRY OF MICRO, SMALL AND MEDIUM ENTERPRISES

## LOK SABHA UNSTARRED QUESTION NO. 4655 TO BE ANSWERED ON 21.08.2025

## PRADHAN MANTRI VISHWAKARMA YOJANA THROUGH PSBS

SHRI SUKHJINDER SINGH RANDHAWA: SHRI SHER SINGH GHUBAYA:

Will the Minister of MICRO, SMALL AND MEDIUM ENTERPRISES be pleased to state:

- (a) whether the implementation of the Pradhan Mantri Vishwakarma Yojana has been initiated through Public Sector Banks (PSBs) and if so, the number of beneficiaries in the State of Punjab who have received benefits under the scheme;
- (b) whether it is true that the application and registration process under this scheme is overly complex, thereby preventing weaker artisans from availing the benefits; and
- (c) whether the Government is considering to simplify the procedures under the scheme and if so, the details thereof and if not, the reasons therefor?

## ANSWER

## MINISTER OF STATE FOR MICRO, SMALL AND MEDIUM ENTERPRISES (SUSHRI SHOBHA KARANDLAJE)

- (a): Under PM Vishwakarma, Scheduled Commercial Banks and other financial institutions are eligible  to  lend.  As  of  13.08.2025;  Enterprise  Development  Loans  have  been  sanctioned  to  4.71 lakh beneficiaries amounting to Rs. 4,059.11crore across the country. The Public Sector Bank wise details  of  beneficiaries  to  whom  loans  have  sanctioned  in  the  State  of  Punjab  under  PM Vishwakarma scheme is at Annexure I.
- (b) & (c): Applications  under  PM  Vishwakarma  Scheme  are  processed  through  Common Service Centres (CSCs) with Aadhaar-based biometric authentication on PM Vishwakarma portal. All components of the Scheme and verification process are Portal-based/Online. Since its inception, as of 13.08.2025, 29.98 lakh beneficiaries have been successfully registered on PM Vishwakarma portal. The applications undergo a three-step verification which includes (i) Verification at Gram Panchayat/ Urban Local Body (ULB) level, (ii) Verification (Vetting and Recommendation) by the District  Implementation  Committee  (DIC)  chaired  by  District  Collector  (iii)  Approval  by  the Screening  Committee  headed  by  an  officer  from  MSME  Development  and  Facilitation  Office (MSME DFO),  member  from  State/UT  level  Bankers'  Committee  (SLBC)  and  a  member  from MSDE.  It  is  to  mention,  that  the  weaker  sections  such  as  OBC,  SC,  ST  have  constituted  a significant portion of total registered beneficiaries under PM Vishwakarma i.e. 54%, 19% and 8% respectively.

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## Annexure-I referred to in reply to part (a) of the Rajya Sabha Unstarred Question No. 4655 for answer on 21.08.2025.

| Name of Public Sector Bank   | No. of Loans sanctioned under PM Vishwakarma in Punjab   | Amount sanctioned(Rs. in Lakh) in Punjab   |
|------------------------------|----------------------------------------------------------|--------------------------------------------|
| Punjab National Bank         | 471                                                      | 447.88                                     |
| State Bank of India          | 462                                                      | 404.83                                     |
| Punjab And Sind Bank         | 93                                                       | 89.00                                      |
| Indian Bank                  | 83                                                       | 78.20                                      |
| Canara Bank                  | 68                                                       | 61.20                                      |
| Indian Overseas Bank         | 64                                                       | 56.70                                      |
| Bank of Baroda               | 60                                                       | 50.05                                      |
| UCO Bank                     | 57                                                       | 54.55                                      |
| Bank of India                | 52                                                       | 44.50                                      |
| Union Bank of India          | 44                                                       | 42.30                                      |
| Central Bank of India        | 30                                                       | 27.00                                      |
| Bank of Maharashtra          | 10                                                       | 10.00                                      |
| Total                        | 1,494                                                    | 1,366.21                                   |