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Digital Vishwakarma

Digital Vishwakarma

Facility amountCollateral-free loan up to ₹1 lakh at a fixed rate as low as 5% p.a.; the reviewed page does not publish a separate minimum amount.Fixed interest rate5% per annumCustomer typeEligible micro, small and medium enterprises
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Quick eligibility check

Digital Vishwakarma

0 of 8 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Artisans/craftspeople in one of 18 identified traditional trades?

Published source: Eligibility

2Do you meet this requirement: PM Vishwakarma application number, valid Bank of Baroda savings-account number and mobile number?

Published source: Required documents

3Do you meet this requirement: Registration is through the PM Vishwakarma Portal?

Published source: Required documents

4Do you meet this requirement: Eligible micro, small and medium enterprises?

Published source: Customer type

5Document checkDo you have this required document or proof: PM Vishwakarma application number?

Published source: Required documents

6Document checkDo you have this required document or proof: valid Bank of Baroda savings-account number?

Published source: Required documents

7Document checkDo you have this required document or proof: mobile number registered with Aadhaar and bank account?

Published source: Required documents

8Document checkDo you have this required document or proof: the mobile number must be registered with Aadhaar and the bank account?

Published source: Required documents
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan amountUp to ₹1 lakhView source
The official page states collateral-free loans up to ₹1 lakh.
Source
Digital Vishwakarma
Page / section
Page introduction
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Fixed interest rate5% per annumView source
The official page states fixed as low as 5% per annum.
Source
Digital Vishwakarma
Page / section
Page introduction / Features
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
CollateralNot requiredView source
The official page describes the loan as collateral-free.
Source
Digital Vishwakarma
Page / section
Features — Collateral Free loans
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Processing feeNil; stamp duty applicableView source
The official page states nil processing fee and applicable stamp duty.
Source
Digital Vishwakarma
Page / section
Fees & Charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
EligibilityArtisans/craftspeople in one of 18 identified traditional tradesView source
The official eligibility section refers to 18 identified family-based traditional trades.
Source
Digital Vishwakarma
Page / section
Eligibility Criteria
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Digital PM Vishwakarma loanCollateral-free artisan loans are available up to ₹1 lakh at a fixed rate as low as 5% p.a., with nil margin, nil processing fee (stamp duty applicable) and no prepayment charges.View source
The official overview and fee sections publish the loan ceiling, rate, margin, processing fee and prepayment terms.
Source
Digital Vishwakarma
Page / section
Overview / Benefits / Fees & Charges
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Digital PM Vishwakarma eligibilityEligible applicants are artisans or craftspeople engaged in one of 18 identified family-based traditional trades. Registration is through the PM Vishwakarma portal; mobile number must be linked to Aadhaar and the applicant must have a valid Bank of Baroda savings account.View source
The official Eligibility, Documents and Terms sections publish the trade, registration and account requirements.
Source
Digital Vishwakarma
Page / section
Eligibility Criteria / Documents / Terms
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Turnover / vintageNot published on the reviewed official page. Eligibility is based on registration as an artisan/craftsperson in one of 18 identified traditional trades; no turnover, business-vintage or income threshold is stated.View source
The official page identifies 18 traditional trades but publishes no turnover or business-age threshold.
Source
Digital Vishwakarma
Page / section
Eligibility Criteria; Complete page reviewed
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Required documentsPM Vishwakarma application number, valid Bank of Baroda savings-account number and mobile number. Registration is through the PM Vishwakarma Portal; the mobile number must be registered with Aadhaar and the bank account.View source
The official page publishes the three application particulars and the linked-mobile registration condition.
Source
Digital Vishwakarma
Page / section
Documents Required; Terms and Conditions
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsThe page provides an end-to-end digital application and directs applicants to the PM Vishwakarma Portal; no state, residence or branch-territory restriction is published.View source
The official page describes digital access and portal registration without a geographic exclusion.
Source
Digital Vishwakarma
Page / section
Benefits; Terms and Conditions; Complete page reviewed
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Facility amountCollateral-free loan up to ₹1 lakh at a fixed rate as low as 5% p.a.; the reviewed page does not publish a separate minimum amount.View source
The official overview states collateral-free loans up to ₹1.00 lakh and the feature section states fixed as low as 5% p.a.
Source
Digital Vishwakarma
Page / section
Overview / Features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeNil processing fee. Applicable stamp duty is payable upfront.View source
The official fees section states nil processing fee and applicable stamp duty upfront.
Source
Digital Vishwakarma
Page / section
Fees & Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Customer typeEligible micro, small and medium enterprisesView source
The manually reviewed product record states: “Eligible micro, small and medium enterprises”.
Source
Digital Vishwakarma — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗

Eligibility

  • Artisans/craftspeople in one of 18 identified traditional trades

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Vishwakarma application number
  • valid Bank of Baroda savings-account number
  • mobile number registered with Aadhaar and bank account

Related official documents

Digital PM Vishwakarma — official product pageofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

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Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹16,499sixteen thousand four hundred ninety-nine rupees
Interest paid over the full loan₹14,59,734fourteen lakh fifty-nine thousand seven hundred thirty-four rupees
Everything you repay₹39,59,734thirty-nine lakh fifty-nine thousand seven hundred thirty-four rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Customer · Published detailArtisans/craftspeople in one of 18 identified family-based traditional trades

This value is copied from Digital Vishwakarma — complete published terms. Check the table notes before relying on it.

Source: Digital Vishwakarma · Benefits; Features; Eligibility; Documents; Fees; Terms and Conditions Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 9 rows · 2 columnsDigital PM Vishwakarma — complete published termsStructured capture of the official artisan-loan page.View tableHide table

Scroll sideways to view every column

Digital PM Vishwakarma — complete published terms
TermPublished detail
CustomerArtisans/craftspeople in one of 18 identified family-based traditional trades
LoanCollateral-free loan up to ₹1 lakh
RateFixed rate as low as 5% per annum
MarginNil
PrepaymentNo prepayment charge
ProcessingNil processing fee; applicable stamp duty upfront
Documents Vishwakarma application number, valid savings-account number and mobile number
ProcessRegister through Vishwakarma Portal; mobile linked to Aadhaar and bank account
Tenure/geographyNumeric repayment period and narrower geographic restriction not published
Digital Vishwakarma · Benefits; Features; Eligibility; Documents; Fees; Terms and Conditions · accessed 30 Aug 2026Open official source ↗

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