Lok Sabha Question No. 2009 (UNSTARRED), answered on 2025-12-11
Subject: Implementation of PM Vishwakarma Scheme
Ministry: MICRO, SMALL AND MEDIUM ENTERPRISES
Asked by: Shri Sribharat Mathukumilli

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

## LOK SABHA UNSTARRED QUESTION NO. 2009 TO BE ANSWERED ON 11.12.2025

## IMPLEMENTATION OF PM VISHWAKARMA

## 2009.   SHRI SRIBHARAT MATHUKUMILLI:

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

- (a) the  details  of  the  proposals  or  policy  changes,  if  any,  put  forward  by  the  National  Steering Committee in its recent meetings under the PM Vishwakarma Scheme;
- (b) whether there exist mechanisms to escalate and review loan applications rejected at the branch level and the steps being taken by the Government to re-engage and extend support to applicants whose loan applications have been declined initially and if so, the details thereof;
- (c) the specific timelines that have been prescribed for application verification and approval under the PM Vishwakarma Scheme at the three verification stages and whether the Government has identified the stage where delays are most significant and if so, the details thereof;
- (d) whether  the  Government  provides  any  post-market  access  support  to  rural  artisans  under  the scheme, helping to sustain and strengthen their linkages with urban and international buyers and if so, the details thereof; and
- (e) whether the Government is planning in this regard and if so, the details thereof?

## ANSWER

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

- (a): National Steering Committee (NSC) is the apex body for implementation of the PM Vishwakarma scheme. Meetings of the National Steering Committee (NSC) are co-chaired by Secretary, Ministry of Skill  Development  and  Entrepreneurship  (MSDE),  Secretary,  Ministry  of  Micro,  Small  and  Medium Enterprises (MSME) and Secretary, Department of Financial Services (DFS). The last NSC meeting was held on 10.10.2025, wherein several proposals and policy measures were approved inter-alia finalizing eligibility criteria for  Advanced Skill Training, measures to improve loan sanctions and disbursements such as revisiting pending applications, offering lower small-size loans ranging from Rs. 50,000 to Rs. 1,00,000 to reduce EMI burden significantly, ensuring bank participation in awareness camps sanctioned in 716 districts till March, 2026 and mandating the presence of bank officials at skill training centres oneday during skill training for financial advice.
- (b): Yes, mechanism to escalate and review loan applications rejected at the branch level exists. In order to address high rejection rates, the Department of Financial Services (DFS) has issued advisory to banks  to  obtain  a  written  undertaking  from  beneficiaries  who  decline  to  avail  the  loan  under  PM Vishwkarma. Further, Banks have also been directed to constitute committees at the administrative office level to review and re-contact the cases rejected due to beneficiaries being unreachable or denying taking loan.  Further,  Ministry  of  MSME  is  working  in  close  coordination  with  the  DFS,  to  improve  loan approval under PM Vishwakarma by trying to reach out to maximum number of beneficiaries for availing loans. Text messages are being sent to PM Vishwakarma beneficiaries in 12 regional languages and calls are being made from the call center of M/o MSME and various Banks to those beneficiaries who have applied for the loan and are not reachable or denied taking loan after applying. Also, those beneficiaries who have initially not opted for loan, can opt for loan through PM Vishwakarma portal either themselves or through the nearest Common Service Centre (CSC).

(c): 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 Against the target of coverage of 30 lakh beneficiaries approved for a period of 5 years (FY 2023-24 to FY 2027-28), the process of verification and registration of 30 lakh artisans/craftspeople has been successfully completed under the scheme so that further benefits such as skill training, loan, toolkit incentive marketing support etc may be provided to the PMV beneficiaries well within the time frame of PM Vishwakarma scheme.

(d) & (e): Under the scheme, PM Vishwakarma beneficiaries across the country are being provided with  marketing  support  including  participation  in  trade  fairs,  state  level  exhibitions  etc  to  showcase, display and sell their handicrafts Also, online marketing support is being provided to PM Vishwakarma beneficiaries through various e-commerce platforms like ONDC Fabindia, Meesho, GeM etc to promote online sale of their products. A national level trade fair/exhibition in Delhi Haat has been scheduled for PMV beneficiaries across States/UTs to promote market linkages, display and sale of products, B2B/B2C engagement for artisans and also to have national/international visibility. Further, Ministry of MSME is planning  to  ensure  value  addition  of  PM  Vishwakarma  products  through  designing,  diversification branding  and  packaging  etc  through  National  Institute  of  Design  (NID)  Indian  Institute  of  Packaging (IIP),  Institute  of  Rural  Management  Anand  (IRMA).  Also,  to  ensure  dedicated  sale  points  of  PM Vishwakarma products, Ministry  of  MSME is  going  to  establish  PMV  Emporium/  Haat at  prominent cities, across the country in near future.

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