Vishwakarma Shram Samman Yojana 2.0 2026: Training, ₹15,000 Toolkit, ₹10 Lakh Loan, Eligibility and Apply Online

Vishwakarma Shram Samman Yojana 2.0 is an Uttar Pradesh Government programme for artisans and workers who earn their livelihood through traditional crafts, repair work and other skill-based occupations. It is implemented by the Directorate of Industries under the state MSME and Export Promotion Department. The 2.0 version broadens the programme beyond a small group of hereditary trades and connects skill upgradation with modern tools, enterprise finance and market access.

The scheme is especially relevant to people who already possess practical skills but need formal upgradation, better equipment or a clearer route to self-employment. It should not be confused with the Central Government’s PM Vishwakarma scheme: Vishwakarma Shram Samman Yojana 2.0 is a separate Uttar Pradesh programme with its own notified trades, state portal and implementation process.

Vishwakarma Shram Samman Yojana 2.0 Quick Overview

Particular	Details
Scheme	Vishwakarma Shram Samman Yojana 2.0 (VSSY 2.0)
State	Uttar Pradesh
Department	MSME and Export Promotion Department / Directorate of Industries
Covered occupations	25 notified traditional and modern trades
Skill training	10 days, free of cost
Training honorarium	₹500 per day; ₹5,000 for the 10-day training period through DBT
Toolkit assistance	Advanced toolkit worth up to ₹15,000 after training
Enterprise loan	Up to ₹10 lakh for eligible trained beneficiaries
Margin money support	15% under the scheme, subject to the applicable project/loan conditions
Application mode	Online through the Uttar Pradesh MSME service portal

What Is Vishwakarma Shram Samman Yojana 2.0?

VSSY 2.0 is designed as a skill-to-enterprise programme. Instead of treating artisans only as trainees, the scheme tries to improve the entire earning pathway: identify the trade, upgrade technical and entrepreneurial skills, provide a modern toolkit and then connect eligible trained beneficiaries with formal credit and marketing support. This is useful for small workers who often operate with outdated tools, limited working capital and little exposure to digital or organised markets.

The official 2026 portal describes the scheme as covering 25 trades. These include established occupations such as carpentry, masonry, tailoring and pottery as well as newer service trades such as mobile repair, computer repair, solar installation and beauty and wellness.

Trades Covered Under VSSY 2.0

Carpenter, mason, tailor, blacksmith, barber, potter and cobbler.
Goldsmith, washerman, halwai, basket weaver, sculptor, garland maker, bhadbhunja, milkman and fisherman.
Mobile repair, automobile repair, electronics repair and electrical-appliance repair.
Plumbing, computer repair, solar installation, digital photography, and beauty and wellness.

Benefits Available Under the Scheme

10 days of free non-residential skill-upgradation and entrepreneurship-oriented training in the selected trade.
₹500 per training day as honorarium, amounting to ₹5,000 for the full 10-day training period, paid through DBT subject to attendance and scheme rules.
An upgraded toolkit worth up to ₹15,000 after successful completion of the prescribed training process.
Business loan support of up to ₹10 lakh for eligible trained beneficiaries who want to establish, expand or modernise an enterprise.
15% margin money subsidy under the credit component, together with interest assistance as provided under the scheme framework.
A six-month moratorium and repayment in up to 54 monthly instalments for the loan component, subject to sanction terms.
Marketing and business-development support, including assistance for digital platforms, GeM exposure and market-linkage activities.

Who Can Apply?

The applicant should be working in one of the 25 occupations notified under VSSY 2.0.
Trade identity or work experience must be supportable through the certificate/declaration accepted by the department.
For the margin-money loan component, the applicant should have completed or be treated as trained under the scheme as required by the current rules.
The applicant should not be a loan defaulter of a bank, financial institution or government body when seeking the credit-linked benefit.
An applicant seeking the subsidised enterprise-loan component should not have already taken benefit from another Central or State Government grant scheme where the VSSY rules prohibit duplication.
For the loan project, general-category men contribute 10% of project cost; women and other eligible categories, including specified men from eligible categories, third-gender persons, persons with disabilities and ex-servicemen, contribute 5%.

Documents Commonly Required

Aadhaar card and the identification details required by the online portal.
Uttar Pradesh residence/address proof where required by the application form.
Recent photograph and registered mobile number.
Proof or certification showing that the applicant is engaged in the selected trade; the scheme portal refers to certification from competent local bodies or recognised institutions where applicable.
Bank account/passbook details for DBT and later financial transactions.
For the credit component, project/business details and the documents required by the financing bank.
Declarations or affidavits relating to non-duplication of subsidy and non-default, wherever prescribed.

How to Apply Online

Open the official Uttar Pradesh MSME service portal and select the registration/application option for Vishwakarma Shram Samman Yojana 2.0.
Create the applicant account using the required personal details, mobile number, Aadhaar details and OTP verification.
Log in and complete the VSSY application with personal information, address, selected trade, livelihood details and bank information.
Upload the trade proof, identity documents, photograph and any other files shown as mandatory for the chosen benefit.
Review the form carefully, submit it and save the application/reference number and acknowledgement.
Follow district-level verification, training allotment and subsequent instructions shown through the department or communicated to the registered mobile number.

What Happens After Application?

Submission alone does not create an automatic right to the toolkit or loan. The application is checked by the competent district industry authority, and eligible applicants are taken through the prescribed selection and training process. Training attendance matters because the honorarium and toolkit are linked with the programme process rather than simply with filling an online form.

For applicants seeking enterprise finance, the district authority evaluates the complete case and forwards eligible loan proposals to the concerned bank. The bank still performs its normal appraisal. The margin-money and interest-support elements operate with the sanctioned project and bank loan; they are not a separate cash grant paid simply because a person completed training.

Loan, Subsidy and Repayment

The loan component can go up to ₹10 lakh for an eligible trained beneficiary. The official VSSY 2.0 information provides for 15% margin-money subsidy and interest assistance, with a six-month moratorium and repayment in up to 54 monthly instalments. The exact sanctioned amount depends on the business proposal and bank appraisal, so applicants should prepare a realistic project rather than assume that every beneficiary will receive the maximum ₹10 lakh.

How to Track or Resolve an Application Issue

Keep the application/reference number and the mobile number used at registration.
Check the same MSME portal/account for the current application stage or notices.
If trade proof or another document is returned for correction, update the requested document instead of creating repeated duplicate applications.
For district-level selection, training or bank-forwarding issues, contact the District Industries and Enterprise Promotion Centre concerned.
The official VSSY portal also provides the MSME department helpline and support route for unresolved portal problems.

VSSY 2.0 vs PM Vishwakarma

The names are similar but the schemes are different. PM Vishwakarma is a Central Government programme with its own national registration and notified artisan categories. VSSY 2.0 is run by the Uttar Pradesh Government and presently lists 25 traditional and modern trades. Applicants should use the portal of the scheme they actually qualify for and should not assume that registration in one automatically registers them in the other.

FAQs

Q. Can a person apply only for the ₹15,000 toolkit without training?

The toolkit is linked to the VSSY training and selection process. It should not be treated as an open cash-equivalent benefit that can be claimed independently of training.

Q. Does every trained beneficiary automatically get a ₹10 lakh loan?

No. ₹10 lakh is the maximum credit limit under the scheme. The actual project amount is subject to eligibility, project viability and bank sanction.

Q. Can a mobile-repair technician apply even though the trade is not a traditional hereditary craft?

Yes. VSSY 2.0 includes modern trades such as mobile repair, computer repair, solar installation and several other service occupations.

Q. Is the training honorarium a monthly allowance?

No. The official benefit is ₹500 per day for the 10-day training period, subject to the scheme’s training and attendance conditions.

Q. Can someone who already took another government subsidy apply for the loan component?

The VSSY credit rules restrict prior benefit from other government grant schemes in the circumstances specified by the scheme. Applicants should disclose earlier assistance and let the department determine eligibility rather than omit it.