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The Gruha Lakshmi Yojana in Karnataka is all about helping women become stronger and creating fairness in society. The Congress party in Karnataka started this program.
Its main goal is to give money to women in Karnataka who are in charge of their families.
Women who meet the requirements will get money to help them. They will receive Rs. 2000. This plan is made to give good things to women.
Gruha Lakshmi Yojana Karnataka 2023 Latest news:
The Congress party included a lot of programs for young people in its plans for the Karnataka Legislative Assembly this year. One of them is the Gruha Lakshmi Scheme. Congress talked about this plan in January 2023.
Once the election results are out, there will be a new government in Karnataka. Now, the women in Karnataka who were chosen for the Gruha Lakshmi Yojana can start getting its benefits.
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Guidelines for gruha Lakshmi scheme
You have two ways to apply: either through Village One or Karnataka One.
People who want to be a part of this program can fill out the application online.
Starting from July 19, those who are going to benefit from this scheme can send in their applications.
After August 16, the money will be put into the bank account of the person chosen to get the money.
They will decide to give the money based on what the applicant said in their application.
If someone doesn’t get the money, it might be because they gave incorrect information when applying.
- PM Vishwakarma Kaushal Samman Yojana 2025 – Complete Guide
India has a rich tradition of skilled artisans and craftsmen, often known as Vishwakarmas. These workers—carpenters, blacksmiths, goldsmiths, masons, weavers, potters, and other traditional craftsmen—form the backbone of our cultural and economic heritage. However, in today’s competitive world, many of these artisans struggle with access to modern tools, markets, and finance options like business loans and credit.
To empower them, the Government of India launched the PM Vishwakarma Kaushal Samman Yojana (PM VIKAS). This scheme provides training, recognition, financial assistance, and market support to traditional artisans. It also offers easy access to loans, credit, and insurance, ensuring artisans are not left behind in the modern economy.
What is PM Vishwakarma Kaushal Samman Yojana?
The PM Vishwakarma Kaushal Samman Yojana is a central government scheme aimed at providing financial and technical support to artisans and craftspeople. It focuses on skill training, modern tool kits, branding support, and access to low-interest credit and business loans.
Launched under the leadership of Prime Minister Narendra Modi, the scheme is designed to protect traditional skills while improving livelihoods. It helps artisans compete in today’s economy without depending heavily on personal loans from private lenders.
Objectives of the Scheme
The scheme has multiple objectives, combining finance, credit, and skill development:
- To preserve and promote traditional skills and crafts.
- To provide artisans with access to affordable loans for business expansion.
- To enhance productivity with modern training and toolkits.
- To reduce dependency on informal credit and personal loans.
- To integrate artisans into national and global markets.
- To provide insurance coverage and social security for families of artisans.
Key Features of PM Vishwakarma Kaushal Samman Yojana
Feature Details Financial Support Collateral-free loans up to ₹3 lakh in two tranches Loan Interest Rate Only 5% (with government subsidy) Skill Training Free modern training for artisans Toolkit Incentive ₹15,000 grant for purchasing modern tools Recognition PM Vishwakarma ID card and digital certificate Market Linkage Support in branding, e-commerce, exhibitions Insurance Social security and accident coverage for artisans By combining insurance, credit, and finance support, this scheme helps artisans achieve stability without falling into debt traps.
Loan & Credit Facility under PM Vishwakarma
One of the most attractive features of this scheme is the loan and credit support:
- First Tranche Loan:
- ₹1 lakh loan at 5% interest.
- Repayable in 18 months.
- Second Tranche Loan:
- ₹2 lakh loan at 5% interest.
- Given only after successful repayment of the first loan.
- Repayable in 30 months.
This structured business loan facility ensures that artisans can expand their work without relying on costly personal loans or high-interest credit cards.
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Financial Benefits
Benefit Type Amount / Support Toolkit Incentive ₹15,000 First Loan ₹1,00,000 Second Loan ₹2,00,000 Subsidy on Loan Interest Paid by Government Insurance Coverage Included under scheme By linking artisans with finance and loan opportunities, the scheme ensures long-term stability and growth.
Eligibility Criteria
To benefit from the scheme, applicants must:
- Be a practicing artisan or craftsperson.
- Belong to one of the 18 traditional trades recognized under the scheme (like carpentry, pottery, weaving, goldsmithing, etc.).
- Be aged 18 years or above.
- Not already have availed benefits of similar government loan and finance schemes.
List of Trades Covered
The scheme covers 18 key trades, including:
- Carpenter
- Blacksmith
- Goldsmith
- Cobbler
- Barber
- Tailor
- Washerman
- Mason
- Weaver
- Boat maker
- Basket maker
- Doll and toy maker
- Fishing net maker
- Locksmith
- Armourer
- Sculptor
- Stone breaker
- Others engaged in traditional crafts
This broad coverage ensures artisans from diverse backgrounds get access to credit, insurance, and finance benefits.
Application Process
Applying for the PM Vishwakarma Kaushal Samman Yojana is simple and mostly digital:
- Visit the official portal: pmvishwakarma.gov.in.
- Register with Aadhaar authentication.
- Fill in details of your trade, experience, and bank account.
- Submit supporting documents (Aadhaar, bank passbook, trade certificate if available).
- Once verified, beneficiaries receive the PM Vishwakarma ID Card and eligibility for loan and insurance benefits.
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Documents Required
Document Purpose Aadhaar Card Identity verification Bank Passbook For loan and credit transfer Mobile Number For OTP and updates Ration Card Proof of family income Caste/Community Certificate For reservation benefits (if applicable) Artisan Trade Proof Proof of skill (optional but helpful) Skill Training Component
The scheme not only provides finance and credit support, but also ensures artisans get free skill training:
- Basic Training: 5–7 days to upgrade existing skills.
- Advanced Training: 15 days to learn advanced modern techniques.
- Training comes with a stipend of ₹500 per day.
- Free insurance cover for trainees during training.
Toolkit Incentive
Every artisan receives a one-time grant of ₹15,000 to buy modern toolkits. Instead of taking a personal loan or credit card loan, artisans can now get financial support directly from the government.
Market Linkage & Branding
The scheme ensures that artisans are not just trained but also connected to markets:
- E-commerce onboarding (Amazon, Flipkart, Government e-Marketplace).
- Participation in trade fairs and exhibitions.
- Branding support for artisan products.
- Digital payments and UPI integration for credit transactions.
Insurance & Social Security
Apart from loan and finance, the scheme also ensures insurance coverage for artisans. Families of registered beneficiaries are eligible for:
- Accidental insurance.
- Disability benefits.
- Life coverage under existing schemes like Pradhan Mantri Suraksha Bima Yojana and PM Jeevan Jyoti Bima Yojana.
This protects families from financial distress and avoids the need for emergency personal loans.
Benefits of PM Vishwakarma Yojana
- Easy Loans: Access up to ₹3 lakh loan at only 5% interest.
- Skill Upgrade: Free training with stipend and modern techniques.
- Toolkit Support: ₹15,000 grant for equipment.
- Insurance Security: Social security coverage for artisans.
- Market Support: Help in branding, credit, and selling products.
- Financial Stability: Less dependence on moneylenders and costly loans.
Impact on Artisans
Before this scheme, most artisans depended on personal loans or informal credit to sustain their work. Many fell into debt traps. With PM Vishwakarma Kaushal Samman Yojana:
- Artisans can expand work using low-interest business loans.
- Families are protected with insurance coverage.
- Skills are upgraded for better earnings.
- Creditworthiness improves, enabling access to formal finance systems.
Comparison with Other Loan Schemes
Feature PM Vishwakarma Yojana Mudra Yojana Private Loan Loan Amount ₹3 lakh ₹10 lakh Depends on bank Interest Rate 5% 8–12% 12–24% Collateral Not required Not required Required Insurance Included Not included Not included Market Support Yes Limited No Clearly, PM Vishwakarma offers better finance and credit terms compared to private personal loans or business loans.
Challenges
- Need for better awareness among rural artisans.
- Digital literacy is still a challenge.
- Delay in disbursement of loan and credit if documents are incomplete.
- Market competition from machine-made goods.
FAQs
1. What is the interest rate for Vishwakarma loans?
Only 5% interest, with the government providing subsidy on higher rates.
2. How much loan can an artisan get?
Up to ₹3 lakh in two phases (₹1 lakh + ₹2 lakh).
3. Is insurance included?
Yes, artisans are covered under accident and life insurance schemes.
4. Who can apply?
Any artisan in one of the 18 trades, aged 18+, with Aadhaar-linked bank account.
5. How does it help financially?
Instead of taking high-interest personal loans, artisans get affordable business loans and credit support.
Conclusion
The PM Vishwakarma Kaushal Samman Yojana 2025 is a game-changer for India’s artisans. By combining skill training, toolkit incentives, business loans, insurance, and market support, it creates a strong foundation for self-reliance.
In a world where financial stability often depends on loans, credit, and insurance, this scheme ensures that artisans no longer have to depend on costly personal loans or private moneylenders. With government-backed finance and business loan support, artisans can preserve traditional crafts while achieving modern prosperity.
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Gruha Lakshmi Yojana Ude Shalu of Karnataka
The Gruha Lakshmi Yojana offers various advantages.
1. Empowering Housewives: This plan aims to make housewives stronger by providing financial help. This enables them to contribute to their family’s income and improve their overall financial situation.
2. Supporting Families: The project provides financial assistance to families, helping them overcome challenges.
3. Promoting Gender Balance: The goal is to achieve gender equality by giving financial support to housewives who handle household responsibilities. This encourages a better balance between genders.
Benefits of Gruha Lakshmi Yojana for Karnataka
The Gruha Lakshmi Yojana aims to give these important benefits to the people it helps:
1. Money Help: This plan gives money to housewives. They can use this money to help their family and improve their money situation.
2. Showing Respect: This plan supports the families of housewives who deserve it. This makes them feel more confident and proud of themselves.
3. Maintenance: The plan gives money to the people who take part. This helps them make their homes better and meet their basic needs. This is good for the health and education of their children.
By doing this, the Gruha Lakshmi Yojana gives money to the people who take part. It also makes their neighborhoods better and makes housewives’ lives better. This plan makes the lives of housewives in Karnataka better.
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Eligibility of Gruha Lakshmi Yojana
Applicant Introduction: This initiative provides financial help to women and families. Let’s understand who can apply.
Head of the Family: Only the leader of the family can join. The person applying must be the family head. This initiative aims to support women managing households, especially those who understand this role well.
Residence: To be eligible, the applicant must live in Karnataka. This is important to benefit the women of Karnataka and use state resources effectively.
Income: The family’s yearly earnings should meet the criteria. This way, the initiative can focus on families with lower income, providing them financial assistance.
Previous Beneficiaries: Those who have already received benefits from State or Central Government programs cannot participate. This ensures that the initiative targets families who need new opportunities and distributes its benefits fairly.
The Gruha Lakshmi Yojana benefits by setting suitable standards for this scheme. It’s important to concentrate on women and state resources. Being adaptable is valuable.
The project prioritizes women, it’s brave, and it’s cost-effective. By fostering self-reliance, it empowers women’s lives and their families, guiding them on a transformative journey.
Documents Required for Gruha Lakshmi
Identity Proof: You can use your Aadhaar Card, Voter ID, Driving License, or any official Government ID.
Address Proof: Show your Ration Card, Electricity Bill, Water Bill, or any Government-approved Address Proof.
Bank Passbook Copy: Provide a copy of your bank passbook to share your beneficiary bank account details.
More Information to Apply for Gruha Lakshmi Yojana Karnataka:
Applying for Gruha Lakshmi Yojana is designed to be straightforward and uncomplicated. The steps for applying will be presented to the government shortly.
Applicants will need to provide personal information like their name, age, address, and income. Supporting documents, such as residence proofs and income certificates, might also be required.
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How to Apply for the Gruha Lakshmi scheme online Method 1 :
1. Visit the Seva Sindhu website using the link provided.
2. Log in to your Seva Sindhu account.
3. Click on the “Apply for Services” link, which will lead you to a page showing all available services.
4. Look for the pre-approved Gruha Lakshmi option.
5. Click on the Gruha Lakshmi application, which will open in a new page. Make sure you have all the required information before filling out the form.
6. In the “Personal Details” section, enter your Ration Card number, your name, and select your category (Scheduled Tribe, OBC Minority, Other). Provide your mobile number.
7. The “Bank Account Details” section will ask you to choose how you want to receive funds. If you choose your Aadhaar-linked bank account, the money will be transferred there. If you choose another bank, provide the IFSC code, bank account number, branch name, and bank.
8. In the third part, you’ll find a self-declaration section. Answer “Yes” or “No” to statements like paying income taxes and submitting GST.
9. Confirm that the information provided is accurate and that you’ll take legal action if false information is given. Read and agree.
10. For Aadhaar verification, click the “Click here for Aadhaar verification” button. Enter the OTP received on your Aadhaar-linked mobile number.
11. Complete the 6-digit word verification, then click the green “Submit” button to review your information. Click “Submit” again to finish. Your application will be sent. Save the receipt as a PDF or take a screenshot for your records.
Applying for the Gruha Lakshmi scheme Method 2 :
1. Go to the official Seva Sindhu website.
2. Log in to your Seva Sindhu account.
3. Click “Apply for Services” and select “View All Available Services.“
4. Choose the Gruhalakshmi scheme.
5. The online application for Gruhalakshmi will open on a new page.
6. Complete the “Aadhar Verification.” Enter your Aadhar number and click the “Click Here” button for Aadhaar Verification. Use the OTP sent to your Aadhar-linked mobile number.
7. Fill out “Householder Details” including Applicant’s Name, Aadhaar number, Mobile Number, Voter’s ID Number, Ration Card type (BPL, AAP, APL), Ration Card Number, category (Scheduled Caste, OBC Minority, Other), bank account number, and upload beneficiary’s photo. Provide Aadhaar-seeded bank name and IFSC.
8. Choose your husband’s name or select one of the options if husband’s details are not available. Enter his Aadhaar number, name, and mobile number if applicable.
9. Answer yes/no questions regarding income taxes and GST. Confirm that the information provided is accurate and you’ll take legal action if false. Read and agree by clicking “I Agree.”
10. Enter the 6-digit code in the text box and click the green button to verify your information. Then click “Submit” to finish. Save the receipt as a PDF or take a screenshot.
Remember, only one woman can apply for this scheme, and she must be the family head. Also, applicants must be residents of Karnataka and not owe any debts to state or central government.
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