Lok Sabha Question No. 3241 (UNSTARRED), answered on 2025-03-20
Subject: PM-Vishwakarma Scheme
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Bhumare Sandipanrao Asaram, Smt. Supriya Sule, Shri Sanjay Dina Patil, Prof. Varsha Eknath Gaikwad, Shri Amar Sharadrao Kale, Shri Mohite Patil Dhairyasheel Rajsinh, Dr. Shivaji Bandappa Kalge, Shri Nilesh Dnyandev Lanke, Shri Bajrang Manohar Sonwane, Shri Bhaskar Murlidhar Bhagare, Shri Gyaneshwar Patil, Smt. Delkar Kalaben Mohanbhai, Dr. Amol Ramsing Kolhe

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

## LOK SABHA UNSTARRED QUESTION NO. 3241 TO BE ANSWERED ON 20.03.2025

## PM-VISHWAKARMA SCHEME

3241.  SHRI SANJAY DINA PATIL:

SHRI BHASKAR MURLIDHAR BHAGARE:

SMT. SUPRIYA SULE:

SHRI MOHITE PATIL DHAIRYASHEEL RAJSINH:

DR. AMOL RAMSING KOLHE:

SHRI BAJRANG MANOHAR SONWANE:

PROF. VARSHA EKNATH GAIKWAD:

SHRI AMAR SHARADRAO KALE:

SHRI NILESH DNYANDEV LANKE:

SHRI BHUMARE SANDIPANRAO ASARAM:

DR. SHIVAJI BANDAPPA KALGE:

SMT. DELKAR KALABEN MOHANBHAI:

SHRI GYANESHWAR PATIL:

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

- (a) the steps that are being taken to enhance the skills of traditional artisans to meet modern market demands under PM-Vishwakarma Scheme;
- (b) the  measures  that  have  been  taken  to  ensure  that  artisans  trained  under  the  said  scheme  get sustainable employment opportunities;
- (c) whether the Government has evaluated and improved market access for traditional artisans and craftsmen and if so, the details thereof;
- (d) the  number  of  beneficiaries  who  have  received  financial  assistance  under  the  said  scheme State/UT-wise;
- (e) whether there are any measures to ensure affordable interest rates for loans provided to artisans under this scheme and if so, the details thereof;
- (f) the mechanisms that are in place to monitor the implementation of the said scheme and evaluate its impact; and
- (g) the number of artisans faced difficulties in availing loans due to stringent eligibility criteria and the steps taken/proposed to be taken by the Government for relaxing these criteria to ensure that more beneficiaries can access financial assistance?

## ANSWER

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

(a): Under  the  skill  component,  beneficiaries  are  given  Basic  Training  of  6  days  and  Advanced Training of 15 days free of cost. During the training period, beneficiaries are paid a stipend of Rs.500 per  day  as  wage  compensation  along  with  travel  expenses  upto  Rs.  1000/-.  Since  the  launch  of  the Scheme  on  17.09.2023;  as  of  17.03.2025,  basic  skill  training  has  been  imparted  to  19.92  lakh  PM Vishwakarma beneficiaries. During skill upgradation, beneficiaries' skills are enhanced,  and they are introduced to modern tools, best practices, and innovative designs. They also receive training in digital, financial, and soft skills, along with marketing and entrepreneurial knowledge & support.

(b) & (e): The  Government  is  providing  help  to  PM  Vishwakarma  beneficiaries  who  are  selfemployed and working in  an  unorganized  sector.  Collateral-free  Enterprise  Developmental  loans  are provided at a concessional fixed interest rate of 5%, with a total loan assistance amount of Rs. 3,00,000. Beneficiaries can avail of the first loan tranche of up to Rs. 1,00,000 and the second loan tranche of up to Rs. 2,00,000 after repaying the first tranche of loan. The Government of India contributes an interest subvention of up to 8%. Loan coverage is secured under the Credit Guarantee Fund Trust for Micro and Small  Enterprises  on  portfolio  basis.  This  assistance  aims  to  help  them  scale  up  their  operations, modernize  and  upgrade  their  tools  and  businesses,  and  transition  into  the  formal  economy  as entrepreneurs.

(c): Under  the  scheme,  PM  Vishwakarma  beneficiaries  across  the  country  are  being  provided support for marketing, branding, packaging etc. PM Vishwakarma beneficiaries are facilitated to display and sell their handicrafts/products through various trade fairs, state level exhibitions etc. Also, online marketing  support  is  being  provided  to  PM  Vishwakarma  beneficiaries  through  various  e-commerce platforms to promote sale of their products in the domestic as well as international markets.

(d): Under PM Vishwakarma, as of 17.03.2025, the State/UT-wise number of beneficiaries who have received financial assistance is annexed .

(f): At the National level, the implementation of the Scheme is monitored through regular meetings of the National Steering Committee (NSC), which is co-chaired by Secretary, Department of Financial Services  (DFS), Secretary,  Ministry  of  Skill  Development  and  Entrepreneurship  (MSDE),  and Secretary, Ministry of Micro, Small and Medium Enterprises (MSME).

(g): The  Scheme  is  widely  accessible  through  Public  Sector  Banks,  Regional  Rural  Banks, Cooperative Banks, and Private Sector Banks, ensuring outreach to urban, rural, and remote areas across the  country.  If  any  beneficiary  faces  any  difficulty  for  credit  access,  their  complaints  are  being monitored online on day-to-day basis and the matter is sent to Department of Financial Services (DFS) for  necessary  action.  In  addition,  beneficiaries  are  informed  through  text  messages/SMS  for  availing Credit facilities under the Scheme.

*****

## Annexure  referred  to  in  reply  to  part  (d)  of  the  Lok  Sabha  Unstarred  question  no.  3241  for answer on 20.03.2025.

| State Name                                   | No. of Loan Applications Sanctioned   |   Sanctioned Amount (Rs. Cr.) |
|----------------------------------------------|---------------------------------------|-------------------------------|
| Andhra Pradesh                               | 30,450                                |                        248.49 |
| Arunachal Pradesh                            | 47                                    |                          0.46 |
| Assam                                        | 10,993                                |                        103.04 |
| Bihar                                        | 10,365                                |                         91.7  |
| Chhattisgarh                                 | 6,660                                 |                         55.6  |
| Goa                                          | 559                                   |                          5.02 |
| Gujarat                                      | 37,788                                |                        341.05 |
| Haryana                                      | 5,273                                 |                         48.64 |
| Himachal Pradesh                             | 1,271                                 |                         11.87 |
| Jharkhand                                    | 3,293                                 |                         23.74 |
| Karnataka                                    | 96,192                                |                        765.35 |
| Kerala                                       | 2,855                                 |                         25.53 |
| Madhya Pradesh                               | 29,451                                |                        267.63 |
| Maharashtra                                  | 31,495                                |                        277.47 |
| Manipur                                      | 682                                   |                          6.42 |
| Meghalaya                                    | 5                                     |                          0.05 |
| Mizoram                                      | 21                                    |                          0.21 |
| Nagaland                                     | 143                                   |                          1.39 |
| Odisha                                       | 9,686                                 |                         83.25 |
| Punjab                                       | 922                                   |                          8.51 |
| Rajasthan                                    | 42,375                                |                        373.89 |
| Sikkim                                       | 55                                    |                          0.55 |
| Telangana                                    | 21,110                                |                        198.35 |
| Tripura                                      | 3,166                                 |                         27.95 |
| Uttar Pradesh                                | 8,569                                 |                         77.75 |
| Uttarakhand                                  | 603                                   |                          5.53 |
| Andaman And Nicobar Islands                  | 42                                    |                          0.38 |
| Chandigarh                                   | 15                                    |                          0.13 |
| Delhi                                        | 33                                    |                          0.28 |
| Jammu And Kashmir                            | 12,341                                |                        114.25 |
| Ladakh                                       | 340                                   |                          3.38 |
| Lakshadweep                                  | 0                                     |                          0    |
| Puducherry                                   | 54                                    |                          0.52 |
| The Dadra and Nagar Haveli and Daman and Diu | 54                                    |                          0.41 |
| Grand Total                                  | 366,908                               |                       3168.8  |