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Financial Assistance for Artisans
Under the umbrella of the Vishwakarma Yojana, a dedicated allocation of Rs 13,000 crore has been earmarked to empower artisans across the country. The scheme offers subsidized loans of up to Rs 2 lakh to craftsmen, aiming to alleviate financial constraints that might impede their artistic pursuits.

Phased Loan Disbursement with Favorable Interest Rates
In its initial phase, the PM Vishwakarma scheme will extend loans of up to Rs 1 lakh to artisans at an incredibly low interest rate of 5%. This interest rate is significantly lower than prevailing market rates, enabling artisans to access credit without the burden of exorbitant interest charges. In the subsequent phase, the scheme will further provide credit support of up to Rs 2 lakh, continuing to maintain the favorable 5% interest rate.

Comprehensive Skill Enhancement
Recognizing the importance of skill development in today’s rapidly evolving world, the Vishwakarma Yojana goes beyond financial aid. It places a strong emphasis on enhancing artisans’ skills through advanced training programs. This initiative aims to ensure that traditional artistry is not only preserved but also updated to meet contemporary standards.

Incentives for Skill Training and Tool Procurement
The scheme incorporates a thoughtful approach by offering stipends for skill training. Artisans will receive a stipend of Rs 500, enabling them to pursue skill enhancement without financial worries. Additionally, a sum of Rs 1500 will be provided to facilitate the purchase of modern tools, empowering artisans to work with greater efficiency and precision.

Holistic Support System
The Vishwakarma Yojana aspires to create a comprehensive ecosystem of support for traditional artisans. It encompasses various components, including:

Liberal Loan Terms: Ensuring easy access to loans for artisans.
Skill Upgradation: Equipping artisans with advanced techniques and knowledge.
Toolkit Incentive: Providing financial assistance for procuring modern tools.
Digital Transaction Incentives: Encouraging artisans to embrace digital transactions.
Marketing Support: Assisting artisans in marketing their crafts effectively.
Envisioned Impact
Union Minister Ashwini Vaishnaw estimates that approximately 30 lakh families stand to benefit from the Vishwakarma Yojana. This far-reaching scheme is poised to uplift traditional artisans, enhancing their socio-economic status and contributing to the preservation of India’s rich cultural tapestry.

Seamless Registration Process
To facilitate easy enrollment, the government has designated common services centers in villages as registration points for the scheme. This user-friendly approach aims to ensure that artisans from diverse corners of the country can seamlessly become a part of this transformative initiative.

Central Government Funding with State Collaboration
The entire financial backing for the Vishwakarma Yojana comes from the central government. While the scheme’s foundation is built on central support, the collaboration of state governments will be crucial in its effective implementation.