Lok Sabha Question No. 3132 (UNSTARRED), answered on 2025-08-07
Subject: Beneficiaries of PM Vishwakarma Yojana
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Rajkumar Roat

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

## LOK SABHA UNSTARRED QUESTION NO. 3132 TO BE ANSWERED ON: 07.08.2025

## BENEFICIARIES OF PM VISHWAKARMA YOJANA

## 3132.    SHRI RAJKUMAR ROAT:

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

- (a) whether  only  15%  of  trainees  belonging  to  the  Scheduled  Tribe  category  have  been provided loans under the PM Vishwakarma Yojana in Dungarpur, Banswara and Pratapgarh under Banswara Lok Sabha Constituency and if so, the details of the individuals who received such loans, name-wise and category-wise;
- (b) whether  at  present  equal  interest  of  5%  is  being  charged  on  loans  provided  to  General, OBC, SC and ST categories under the said scheme;
- (c) whether the Government is considering to provide any concession in interest rates for the Scheduled Tribe category, if so, the details thereof and if not, the reasons therefor; and
- (d) the  initiatives  undertaken  by  the  Ministry  of  Micro,  Small  and  Medium  Enterprises  in Banswara Lok Sabha Constituency during the last five years and the number of beneficiaries, yearwise?

## ANSWER

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

- (a):      PM  Vishwakarma  Scheme  was  launched  on  17.09.2023  to  provide  end-to-end  support  to artisans and craftspeople of 18 traditional trades who work with their hands and tools. Categorywise details of PM Vishwakarma beneficiariesto whom loans have been disbursed in Dungarpur, Banswara and Pratapgarh districts are at Annexure I.

(b)& (c):     Under PM Vishwakarma, collateral free Enterprise Development Loans are provided at a concessional fixed interest rate of 5%, with total loan assistance of Rs. 3 lakhs in two tranches. Beneficiaries can avail first loan tranche upto Rs. 1 lakh with a repayment tenure of 18 months. Second loan tranche upto Rs. 2 lakhs can be availed by PMV beneficiary after repayment of 1 st tranche loan. Concessional fixed interest rate of 5% under PM Vishwakarma is uniform for all the PMV beneficiaries including Scheduled Castes and Scheduled Tribes.

Government of India  contributes  an  interest  subvention  of  8%.  Loan  coverage  is  secured under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) on portfolio basis.

- (d): Ministry  of  MSME  has  taken  several  initiatives  to  create  awareness  and  outreach  of  PM Vishwakarma. Since the launch of PM Vishwakarma in September 2023, Ministry of  MSME has conducted  814  awareness  programmes/camps,  51  workshops,  50  trade  fairs,  34  state  level exhibitions and over 52 flash mobs across the country, including 47 awareness programmes/camps, 2  workshops,  3  trade  fairs  and  1  state  level  exhibition  in  Rajasthan.  Ministry  of    MSME  also created  awareness  through  social  media,  radio  jingles,  newspaper  advertisements  and  outdoor publicity  through  hoardings,  digital  displays,  audio  announcements  at  railway  stations  and  bus stops, etc.

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Annexure-I

Annexure-I referred to in reply to part (a) of the Lok Sabha Unstarred question no. 3132 for answer on 07.08.2025.

| District   | Category   |   Loan Disbursed to PM Vishwakarma beneficiaries |   Amount of Disbursed (Rs. in Lakh) |
|------------|------------|--------------------------------------------------|-------------------------------------|
| BANSWARA   | General    |                                               53 |                               50.44 |
| BANSWARA   | OBC        |                                              308 |                              287.16 |
| BANSWARA   | SC         |                                               76 |                               66.72 |
| BANSWARA   | ST         |                                              412 |                              347.44 |
| DUNGARPUR  | General    |                                               48 |                               46    |
| DUNGARPUR  | OBC        |                                              385 |                              367.2  |
| DUNGARPUR  | SC         |                                               35 |                               29.1  |
| DUNGARPUR  | ST         |                                              141 |                              129.28 |
| PRATAPGARH | General    |                                               26 |                               23.95 |
| PRATAPGARH | OBC        |                                              329 |                              295.74 |
| PRATAPGARH | SC         |                                               41 |                               36    |
| PRATAPGARH | ST         |                                               80 |                               62.55 |