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PNB e- Vishwakarma Scheme

Collateral-free, portal-based credit for eligible traditional artisans, with two stated working-capital demand-loan tranches: up to ₹1 lakh for 18 months and up to ₹2 lakh for 30 months. PNB's page states a 5% rate for standard accounts after Ministry interest subvention.

Working-capital tranchesFirst working-capital demand-loan tranche: up to ₹1 lakh for 18 months. Second tranche: up to ₹2 lakh for 30 months. PNB's linked scheme PDF remains unavailable for review, so do not infer any additional aggregate limit or eligibility step.Standard account rate5% for standard accounts after Ministry interest subvention, as stated on PNB's page last updated 19 September 2025. The linked scheme PDF could not be reviewed; confirm its current rate and any delinquent-account terms before relying on this as a complete rate schedule.Who can applySelf-employed traditional artisans/craftsperson working with hands and tools in government-specified family-based trades in the unorganized sector. Must be at least 18 at registration; only one family member can register, and Government service members and their families are excluded.
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Quick eligibility check

PNB e- Vishwakarma Scheme

0 of 9 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.

1Are you this type of customer: Self-employed traditional artisans/craftsperson working with hands and tools in government-specified family-based trades in the unorganized sector?

Published source: Who can apply

2Do you meet this requirement: Must be at least 18 at registration?

Published source: Who can apply

3Are you this type of customer: only one family member can register, and Government service members and their families are excluded?

Published source: Who can apply

4Do you meet this requirement: the linked PDF was unavailable?

Published source: Registration and KYC

5Do you meet this requirement: Applicant must be at least 18 at registration, work in a government-specified trade, and complete skill verification and 5 days of Basic Skill Training for the first tranche?

6Document checkDo you have this required document or proof: Udyam Registration Number is mandatory; Aadhaar-based KYC in PNB's CBS is required. PNB accepts applications only through the Vishwakarma portal; the linked scheme PDF could not be reviewed, so no further document list is asserted?

Published source: Registration and KYC

7Document checkDo you have this required document or proof: Udyam Registration Number is mandatory and Aadhaar-based KYC in PNB's CBS is required?

Published source: Registration and KYC

8Document checkDo you have this required document or proof: The official product page does not provide a complete document checklist?

Published source: Registration and KYC

9Document checkDo you have this required document or proof: Aadhaar-based KYC must be in PNB's CBS?

Published source: Registration and KYC
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 8 Oct 2026 · active
Offered byPunjab National Bank

See the official bank source for geographic availability.

Key facts

What the official sources publish

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

PNB catalogue sectionPNB lists e-PM Vishwakarma under its MSME Schemes catalogue section.View source
The current official catalogue places e- Vishwakarma within its Schemes list, supporting the -finance subcategory assignment.
Source
PNB Banking catalogue
Page / section
Schemes list, e- Vishwakarma entry
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Who can applySelf-employed traditional artisans/craftsperson working with hands and tools in government-specified family-based trades in the unorganized sector. Must be at least 18 at registration; only one family member can register, and Government service members and their families are excluded.View source
PNB's complete product page states the traditional-trade, age, prior-loan, family-member and government-service eligibility conditions.
Source
PNB Vishwakarma Scheme
Page / section
Purpose, Eligibility and Other Features; PNB page last updated 19 September 2025
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Working-capital tranchesFirst working-capital demand-loan tranche: up to ₹1 lakh for 18 months. Second tranche: up to ₹2 lakh for 30 months. PNB's linked scheme PDF remains unavailable for review, so do not infer any additional aggregate limit or eligibility step.View source
PNB lists tranche 1 up to ₹1 lakh, 18-month tenure; tranche 2 up to ₹2 lakh, 30-month tenure.
Source
PNB Vishwakarma Scheme
Page / section
Other Features, Working Capital Demand Loan tranches; page last updated 19 September 2025
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Standard account rate5% for standard accounts after Ministry interest subvention, as stated on PNB's page last updated 19 September 2025. The linked scheme PDF could not be reviewed; confirm its current rate and any delinquent-account terms before relying on this as a complete rate schedule.View source
The official PNB page states standard accounts: 5% after interest subvention from the Ministry. No snippet-only terms are added.
Source
PNB Vishwakarma Scheme
Page / section
Other Features, ; page last updated 19 September 2025
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Tranche tenureFirst working-capital demand-loan tranche: 18 months; second tranche: 30 months. These are tranche tenures, not a single 30-month repayment schedule for combined facilities.View source
The page lists 18 months for the first tranche and 30 months for the second tranche.
Source
PNB Vishwakarma Scheme
Page / section
Other Features, Working Capital Demand Loan tranches
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
CollateralNo collateral security is required; PNB states the limit is secured through CGTMSE coverage.View source
The page says no collateral security is required and the limit is secured by coverage.
Source
PNB Vishwakarma Scheme
Page / section
Other Features, collateral; page last updated 19 September 2025
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Margin and upfront chargesNil margin and nil upfront fees for documentation and inspection, as stated on PNB's page last updated 19 September 2025. The linked scheme PDF remains unreviewed.View source
The PNB page says nil margin and upfront fees for documentation and inspection; the linked may contain other costs and has not been retrieved.
Source
PNB Vishwakarma Scheme
Page / section
Other Features, margin and upfront fees; page last updated 19 September 2025
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • The PNB page says the scheme provides collateral-free credit with interest subvention; standard accounts are charged 5% after Ministry subvention.
  • The two published working-capital demand-loan tranches are up to ₹1 lakh for 18 months and up to ₹2 lakh for 30 months.

Eligibility

  • Applicant must be at least 18 at registration, work in a government-specified trade, and complete skill verification and 5 days of Basic Skill Training for the first tranche.
  • The page excludes a person who received a similar Central/State scheme loan in the prior 5 years, except repaid /SVANidhi loans; limits registration to one family member; and excludes Government service members and their families.
  • Udyam registration is mandatory. Only portal applications are entertained; Aadhaar-based must be in PNB's . The PNB page was last updated 19 September 2025; its linked current-catalogue could not be retrieved and may contain additional or revised terms.

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

Documents the bank lists

  • Udyam Registration Number is mandatory; Aadhaar-based in PNB's is required. PNB accepts applications only through the Vishwakarma portal; the linked scheme could not be reviewed, so no further document list is asserted.

Related official documents

PNB MSME Banking catalogue — current scheme linksofficial-product-catalogue · current-catalogue-links-reviewed · accessed 8 Oct 2026
↗
PNB PM Vishwakarma Scheme official product pageofficial-product-page · product-page-text-reviewed-linked-pdf-unavailable · accessed 8 Oct 2026
↗
PNB e-PM Vishwakarma scheme PDF linked from current catalogue — access attemptofficial-msme-scheme-pdf · source-unavailable-cache-miss · accessed 8 Oct 2026
↗

Plan before applying

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Loan repayment estimate

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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.

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Purpose · PNB-published detailsCredit support to eligible artisans/craftsperson and better/modern tools to improve capability, productivity and product quality; collateral-free credit and interest subvention.

This value is copied from PNB e- Vishwakarma — full product-page terms reviewed. Check the table notes before relying on it.

Source: PNB Vishwakarma Scheme · Purpose, Eligibility, Other Features and e- Vishwakarma sections; page last updated 19 September 2025 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 15 rows · 2 columnsPNB e-PM Vishwakarma — full product-page terms reviewedView tableHide table

Scroll sideways to view every column

PNB e-PM Vishwakarma — full product-page terms reviewed
TopicPNB-published details
PurposeCredit support to eligible artisans/craftsperson and better/modern tools to improve capability, productivity and product quality; collateral-free credit and interest subvention.
Eligible activityTraditional family-based specified trades, self-employed in the unorganized sector, working with hands and tools; loans only for Government-specified trades.
Age and prior supportAt least 18 at registration; cannot have received a similar Central/State Government scheme loan in prior 5 years, except repaid and SVANidhi loans.
Training before first trancheSkill verification and 5 days of Basic Skill Training required for first tranche up to ₹1 lakh.
Family-member limitOnly one family member (husband, wife, unmarried children) can register and receive benefits.
Excluded applicantsGovernment service members and their families.
ApplicationOnly portal applications are entertained; PNB page links online application through PNB website, PNB ONE app or digivishwakarma.pnb.bank.in; page says no branch visit is required.
Registration/Udyam Registration Number mandatory; applicant -compliant with PNB based on Aadhaar in .
Collateral/guaranteeNo collateral security; PNB says the limit is secured by coverage.
Tranche 1Working Capital Demand Loan up to ₹1 lakh; 18-month tenure.
Tranche 2Working Capital Demand Loan up to ₹2 lakh; 30-month tenure.
Charges and marginNil margin and nil upfront fees for documentation and inspection, per PNB page.
Credit score scoring by ; PNB page states no minimum score criterion.
RateStandard accounts: 5% after Ministry interest subvention, per PNB page.
Page date / open source gatePNB product page last updated 19 September 2025. The current catalogue-linked was inaccessible; additional/current terms are not represented here.
  • This organizes paragraphs from the official PNB page; it is not a source-authored tabular schedule. The separate catalogue-linked could not be read and remains an explicit blocker.
PNB Vishwakarma Scheme · Purpose, Eligibility, Other Features and e- Vishwakarma sections; page last updated 19 September 2025 · accessed 8 Oct 2026Open official source ↗

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