Question
The PM Vishwakarma Yojana was launched on September 17,
2023 to provide end-to-end support to traditional artisans and craftspeople. Consider the following scenarios: I. Ramesh is a blacksmith who has been in the trade for three years. He registers under PM Vishwakarma and receives a PM Vishwakarma certificate, an ID card, and a toolkit incentive of Rs. 15,000 in the form of an e-voucher. II. Geeta, a tailor, successfully avails the first loan tranche of Rs. 1 lakh at 5% interest and repays it on time. She then becomes eligible for a second tranche of Rs. 2 lakh at the same 5% interest rate. III. Sunil is a government employee who also practices pottery as a side activity. He applies under PM Vishwakarma to avail loans and skill training benefits. Which of the above cases correctly reflect the scheme's provisions?Solution
PM Vishwakarma covers 18 traditional trades including blacksmiths and tailors. Statement I is correct registered artisans receive a PM Vishwakarma certificate, an identity card, and a toolkit incentive of Rs. 15,000 through an e-voucher at the start of basic skill training. Statement II is correct the scheme provides a first loan tranche of Rs. 1 lakh and a second of Rs. 2 lakh, both at a concessional rate of 5% per annum. The second tranche is unlocked after timely repayment of the first. Statement III is incorrect government employees and members of their families are explicitly excluded from the scheme's benefits. Sunil, as a government employee, is not eligible.
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