Modi government is giving loan of ₹3 lakh, no guarantee and no heavy interest; Check complete details immediately

PM Vishwakarma Scheme Benefit: The Narendra Modi government at the Center has started many such schemes in the last few years, through which efforts are being made to make people self-reliant by giving loans. One of these schemes is PM Vishwakarma Yojana. Under this scheme launched by the government, artisans are getting loans up to Rs 3 lakh, that too without any guarantee. The best thing about this scheme is the interest rate, because the beneficiaries have to pay only 5 percent interest, while the government itself pays the remaining interest as a grant to the banks.

Who can take advantage of the scheme?

A total of 18 traditional trades have been included in the PM Vishwakarma Yojana. These include carpenters, blacksmiths, boat makers, armor makers, hammer and tool kit makers, locksmiths. Goldsmiths, sculptors (stone carvers), pottery makers (potters) and cobblers/shoe makers have also been included. Whereas basket/mat/broom makers/jute weavers, masons, barbers, garland makers (Malakar) and clothes washers (Dhobi) have also been brought under the ambit of the scheme. Tailors (tailors), fishing net makers and traditional doll and toy makers are also included in the scheme. Are.

Loan up to Rs 3 lakh without guarantee

With the help of PM Vishwakarma Yojana, eligible craftsmen and artisans can easily get loans up to Rs 3 lakh without any guarantee. Under this scheme, loan benefit is given in two phases. In the initial phase of PM Vishwakarma Yojana, a loan of up to Rs 1 lakh is provided to the beneficiary for a period of 18 months. After this, in the second phase of the scheme, loan facility is provided for a period of 30 months. This time the beneficiary is given additional loan up to Rs 2 lakh. On this loan, the beneficiary has to pay only 5 percent annual interest while the remaining interest is paid by the Central Government in the form of grant to the banks.

Other benefits of PM Vishwakarma

From the government to the artisans registered under PM Vishwakarma Yojana. PM Vishwakarma A certificate and identity card are issued, giving them official identity. Along with this, they are also given the facility of skill upgradation in the training centers identified by the government. Apart from this, a toolkit incentive e-voucher of up to Rs 15,000 is also given to the beneficiaries of this scheme by the government to purchase modern equipment.

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Qualification to apply

If any artisan or craftsman wants to take advantage of PM Vishwakarma Yojana, then some qualifications have been kept for him. To become a beneficiary of this scheme, the applicant must be at least 18 years of age and must be self-employed in a traditional business. Applications are accepted only through the official portal of PM Vishwakarma.