Agar aap ek kaarigar ya shilpkaar hain aur apne hunar ko ek nayi udaan dena chahte hain, toh aapke liye pm vishwakarma scheme eligibility and benefits ko samajhna behad zaroori hai. 17 September 2023 ko launch hui yeh yojana, Bharat ke paramparik “Vishwakarma” ko aarthik sahayata, training, aur market support dekar unke kaam ko badhava dene ka ek bada kadam hai. Is article mein hum aapko PM Vishwakarma Yojana ke baare mein step-by-step poori jaankari denge – yogyata se lekar aavedan prakriya tak.
Table of Contents
PM Vishwakarma Yojana Hai Kya? (What is this Scheme?)
PM Vishwakarma Yojana, Ministry of Micro, Small and Medium Enterprises (MSME) dwara sanchaalit ek Central Sector Scheme hai. Iska mukhya uddeshya haathon aur auzaaron se kaam karne wale kaarigaron aur shilpkaaron ko end-to-end support dena hai. Iske liye sarkar ne 2023-24 se 2027-28 tak ke paanch saalon ke liye ₹13,000 crore ka budget rakha hai. Is yojana ke tehat, laabharthiyon ko na sirf aarthik madad milti hai, balki unki kala ko pehchaan, behtar training, aur modern tools khareedne ke liye sahayata bhi di jaati hai.
Kaun Hain Asli ‘Vishwakarma’? Eligibility Criteria Check Karein
Is scheme ka laabh lene ke liye aapko kuch maapdandon ko poora karna hoga. Yahan eligibility criteria ki poori list di gayi hai:
- Pesha (Profession): Aapko haath aur auzaaron se kaam karne wala ek kaarigar ya shilpkaar hona chahiye, jo scheme mein di gayi 18 paramparik trades mein se kisi ek se juda ho.
- Aayu (Age): Aavedan karte samay aapki umra kam se kam 18 saal honi chahiye.
- Purani Sarkari Yojana (Previous Schemes): Aapne pichhle 5 saalon mein self-employment ke liye kendra ya rajya sarkar ki kisi credit-based scheme jaise PMEGP, PM SVANidhi, ya Mudra Yojana ke tehat loan na liya ho.
- Parivaar ke Sadasya (Family Members): Ek parivaar (pati, patni aur avivahit bachche) se sirf ek hi sadasya is yojana ka laabh utha sakta hai.
- Sarkari Naukri (Government Service): Sarkari naukri karne wale log aur unke parivaar ke sadasya is yojana ke liye patra nahi hain.
In 18 Trades Ke Artisans Ko Milega Fayda
Yeh yojana shuruaat mein 18 tarah ke paramparik kaamo se jude “Vishwakarma” ko cover karti hai. Inki soochi neeche di gayi hai:
- Badhai (Carpenter)
- Naav Banane Wale (Boat Maker)
- Astra Banane Wale (Armourer)
- Lohaar (Blacksmith)
- Hathauda aur Tool Kit Banane Wale (Hammer and Tool Kit Maker)
- Taala Banane Wale (Locksmith)
- Sunar (Goldsmith)
- Kumhaar (Potter)
- Moortikaar, Patthar Tarashne Wale (Sculptor, Stone Carver)
- Mochi (Cobbler/Shoemaker)
- Rajmistri (Mason)
- Tokri/Chattai/Jhadu Banane Wale, Coir Bunkar (Basket/Mat/Broom Maker, Coir Weaver)
- Gudiya aur Khilone Banane Wale (Doll & Toy Maker – Traditional)
- Naai (Barber)
- Maalakar (Garland Maker)
- Dhobi (Washerman)
- Darzi (Tailor)
- Machli Ka Jaal Banane Wale (Fishing Net Maker)
Scheme Ke Fayde Hi Fayde: Benefits Ki Poori List
PM Vishwakarma Yojana apne laabharthiyon ko ek poora package deti hai, jo unke kaam ko aage badhane mein har tarah se madad karta hai. Iske mukhya laabh neeche diye gaye hain:
- Pehchaan aur Maanyata: Har ‘Vishwakarma’ ko ek PM Vishwakarma Certificate aur ID Card diya jaata hai, jo unke hunar ko ek official pehchaan deta hai.
- Skill Upgradation (Kaushal Vikas): Laabharthiyon ko 5-7 din ki Basic Training aur 15 din se zyada ki Advanced Training di jaati hai. Training ke dauraan ₹500 pratidin ka stipend (bhatta) bhi milta hai.
- Toolkit Incentive (Auzaar Ke Liye Protsahan): Basic skill training shuru hone par, aapko modern auzaar khareedne ke liye ₹15,000 tak ka grant e-vouchers ke roop mein milta hai.
- Credit Support (Rinn Sahayata): Yeh scheme collateral-free ‘Enterprise Development Loans’ deti hai.
- Pehli Kist (1st Tranche): ₹1 lakh tak ka loan, jise 18 mahino mein chukana hota hai.
- Doosri Kist (2nd Tranche): ₹2 lakh tak ka loan, jise 30 mahino mein chukana hota hai. Yeh unko milta hai jo pehla loan samay par chuka dete hain.
- Byaaj Dar (Interest Rate): Loan par sirf 5% ka riyayati byaaj lagta hai, kyunki sarkar 8% tak ki interest subvention deti hai.
- Digital Transactions Ke Liye Protsahan: Digital payment ko badhava dene ke liye, har digital transaction par ₹1 ka incentive milta hai (mahine mein 100 transactions tak).
- Marketing Support: Aapke banaye products ko bade bazaar tak pahunchane ke liye quality certification, branding, aur marketing mein madad ki jaati hai.
Yeh scheme sirf loan nahi, aapke hunar ko pehchaan aur samman dene ka ek zariya hai.
Apply Karne Ka Step-by-Step Process
PM Vishwakarma Yojana ke liye aavedan online nahi kiya ja sakta, balki aapko apne nazdeeki Common Service Centre (CSC) jaana hoga. Aavedan prakriya bahut saral hai aur Aadhaar-based biometric verification par aadharit hai.
Step 1: Nazdeeki CSC Center Pata Karein
Sabse pehle, aapko apne ilaake ke Common Service Centre (CSC) ya Jan Seva Kendra par jaana hoga. Yahan Village Level Entrepreneurs (VLEs) aapki registration mein madad karenge.
Step 2: Documents Taiyyar Rakhein
CSC jaane se pehle, yeh sunishchit kar lein ki aapke paas neeche diye gaye sabhi zaroori documents hain:
- Aadhaar Card
- Aadhaar se link Mobile Number
- Bank Account Details (Passbook)
- Ration Card: Agar aapke parivaar ke sadasyon ka vivaran dena hai, toh ration card anivarya hai. Agar ration card nahi hai, toh parivaar ke sabhi sadasyon ka Aadhaar card lagega.
Step 3: Registration aur Biometric Authentication
CSC operator PM Vishwakarma portal par aapka registration shuru karega.
- Pehle aapka mobile number aur Aadhaar number verify kiya jaayega.
- Iske baad, aapka Aadhaar-based biometric authentication hoga (fingerprint scan).
- Authentication ke baad, aapki zyadatar jaankari (naam, pata, janm tithi) Aadhaar se apne aap form mein bhar jaayegi.
Step 4: Form Bharein aur Submit Karein
Aapko CSC operator ko kuch aur jaankari deni hogi, jaise ki aapki bank account details, aap kis trade se jude hain, etc. Poora form bharne ke baad, use submit kar diya jaayega aur aapko ek application number mil jaayega.
Application Ke Baad Kya Hoga?
Aapka application 3-stage verification process se guzrega:
- Stage 1: Gram Panchayat ya Urban Local Body (ULB) level par verification.
- Stage 2: Zila Karyन्वयन Samiti (District Implementation Committee) dwara jaanch aur sifarish.
- Stage 3: Screening Committee dwara antim manzoori.
Verification poora hone ke baad, aap PM Vishwakarma ke roop mein register ho jaayenge aur apna digital ID card aur certificate download kar sakenge. Iske baad aap scheme ke alag-alag laabhon ke liye aavedan kar sakte hain.