Aaj ke daur mein apna chota vyapar shuru karna ya use badhana mushkil nahi hai, bas sahi jankari aur sarkari sahayata ki zaroorat hoti hai. Bharat sarkar ne alag-alag vargon ke liye kai labhkari yojanaen chalayi hain. Lekin aksar log confuse ho jaate hain ki unke liye PM Vishwakarma Yojana behtar hai ya PM SVANIDHI Yojana.
Agar aap ek karigar (artisan) hain ya sadak kinare redi-patri (street vendor) lagate hain, to ye blog post sirf aapke liye hai. Aaj hum paisaupdate.com par in dono schemes ka bariki se comparison karenge.
PM Vishwakarma Yojana Kya Hai? (Ek Nazar Mein)
PM Vishwakarma Yojana ko khas taur par un logon ke liye banaya gaya hai jo apne hathon aur auzaron (tools) se kaam karte hain. Iska uddeshya paramparagat karigaron ko modern digital duniya se jodna aur unhe arthik mazbooti dena hai.
Key Highlights:
- Target Group: Badhai, Sunar, Lohar, Kumhar, Darzi, aur aise hi 18 anya kshetron ke karigar.
- Loan Amount: Pehli baar mein ₹1 lakh aur dusri baar mein ₹2 lakh tak ka collateral-free loan.
- Byaj Dar (Interest Rate): Sirf 5% ki riyayati dar par.
- Extra Benefits: Skill training, toolkit incentive (₹15,000), aur digital transactions par rewards.
PM SVANIDHI Yojana Kya Hai? (Street Vendor’s Lifeline)
PM SVANIDHI (Street Vendor’s AtmaNirbhar Nidhi) scheme khas taur par rehri-patri walon ke liye hai. COVID-19 ke baad chote vyapariyon ko dubara khada karne ke liye iski shuruat ki gayi thi.
Key Highlights:
Digital Promotion: Cashback ki suvidha agar aap digital payment accept karte hain.
Target Group: Rehri-patri wale, vegetable vendors, fruit sellers, aur chote dukan daar.
Loan Tiers: Pehle ₹10,000, fir ₹20,000, aur teesre step mein ₹50,000 tak ka loan.
Interest Subsidy: Time par repayment karne par 7% ki interest subsidy milti hai.
PM Vishwakarma vs PM SVANIDHI: Kya Hai Antar?
In dono schemes ke beech ka farq samajhna zaroori hai taaki aap sahi chunav kar sakein::
| Feature | PM Vishwakarma Yojana | PM SVANIDHI Yojana |
|---|---|---|
| Kiske Liye Hai? | 18 tarah ke paramparagat karigar (Artisans) | Street Vendors (Rehri-patri wale) |
| Maximum Loan | ₹3 Lakh tak (Do kishton mein) | ₹50,000 tak (Teen kishton mein) |
| Training | Skill upgrade training milti hai | Koi formal training zaroori nahi |
| Toolkit Help | ₹15,000 ka e-voucher milta hai | Toolkit ke liye alag se paise nahi milte |
| Byaj Dar | Seedha 5% lagta hai | Market rate par loan, par 7% subsidy milti hai |
Aapke Liye Kaun Sa Best Hai?
Yeh nirbhar karta hai aapke kaam ke nature par:
- Agar aap Skill-Based kaam karte hain: Jaise mitti ke bartan banana, kapde silna, ya furniture banana, toh PM Vishwakarma aapke liye best hai. Isme aapko na sirf paisa balki naye zamane ke hisab se training aur auzar bhi milte hain.
- Agar aapka Kaam Selling ka hai: Jaise sabzi bechna, fast food stall, ya raste par koi saman bechna, toh PM SVANIDHI sabse aasaan aur fast option hai. Isme bank se loan lena bahut saral hai.
Apply Kaise Karein? (Step-by-Step Guide)
Dono hi schemes ke liye apply karne ka process kaafi digital aur transparent hai.
PM Vishwakarma Ke Liye:
- Sabse pehle pmvishwakarma.gov.in par jayein.
- Apne Aadhaar aur Mobile number se register karein.
- Verification ke baad apna skill certificate aur loan apply karein.
- Aap apne nazdiki CSC (Common Service Center) par jaakar bhi apply kar sakte hain.
PM SVANIDHI Ke Liye:
- Aap portal par apply kar sakte hain.
- Iske liye aapko ‘Letter of Recommendation’ (LoR) ya Street Vendor certificate ki zaroorat hogi.
- Bank ya kisi bhi mPOS agent ke zariye iska application turant process ho jata hai.
Expert Tip: Paisa Update Ka Sujhaav
Doston, chahe aap PM Vishwakarma chunein ya PM SVANIDHI, sabse zaroori baat hai ‘Time par Repayment’.
- Agar aap PM SVANIDHI ka loan time par bharte hain, toh aapki credit limit agle baar ke liye double ho jati hai.
- PM Vishwakarma mein time par loan chukane se aapko 2nd tranche (₹2 lakh) ka loan turant mil jata hai.
Sarkar ki in yojanaon ka maksad aapko ‘Atmanirbhar’ banana hai. Toh der kis baat ki? Aaj hi apni eligibility check karein aur apne sapno ke business ko nayi udaan dein.
Hamare Sath Jude Rahein:
Aise hi sarkari scheme, loan updates aur finance ki sahi jankari ke liye Paisaupdate.com ko follow karte rahein. Agar aapka koi sawal hai, toh niche comment box mein zaroor puchein!
Kaunsa Loan Aapke Business Ke Liye Best Hai?
👉 PM Vishwakarma Choose Karein Agar:
Aap ek traditional kaam karte hain
Aapko bada loan aur long-term growth chahiye
Skill training aur modern tools ka benefit lena chahte hain
Kam interest par secure loan chahiye
👉 PM SVANIDHI Choose Karein Agar:
Aap ek street vendor hain
Aapko chhoti amount ka quick loan chahiye
Daily business ke liye working capital chahiye
Digital payment ka use karte hain
PM Vishwakarma vs PM SVANIDHI: Paisaupdate Verdict
Agar hum paisaupdate.com ke expert view se dekhein, to:
✔ Long-term aur skill-based business ke liye PM Vishwakarma Yojana best hai
✔ Daily earning aur small capital business ke liye PM SVANIDHI Yojana better hai
Dono hi schemes apni-apni jagah powerful hain, bas zarurat hai sahi scheme sahi insaan tak pahunchane ki।
pm vishwakarma apply krne ke liye Click kre
budget-2026-income-tax-kaise-bachayeinClick kre