Introduction PM Vishwakarma Scheme

In recent times, PM Vishwakarma (PMVKY) Scheme was in news. And the reason behind it was a district panel was established in Jammu & Kashmir to Oversee / Check the Implementation of PM Vishwakarma Scheme in the Union Territory of India.

What is PM Vishwakarma Yojana 2024? – What is PM Vishwakarma (PMVKY) Scheme? – PMVKY UPSC

We have added all the details about PM Vishwakarma Yojana. Not only that, we also have added that why this scheme have use the term of “Vishwakarma”. This will be interesting to read.

What is PM Vishwakarma Yojana?

The ‘PM Vishwakarma’ scheme, launched by the Indian government, is a comprehensive initiative designed to uplift and support traditional artisans and craftspeople, commonly known as ‘Vishwakarmas.’

Why this scheme termed as ‘Vishwakama Yojana’

The ‘PM Vishwakarma’ scheme is named after Bhagawan Vishwakarma, who holds significant cultural and Religious importance in Hindu traditions.

Why PM Vishwakarma Yojana Important for UPSC

There are several reasons why PM Vishwakarma Yojana Important for UPSC Preparation

1. ‘PM Vishwakarma’ is crucial for UPSC as it addresses socio-economic challenges by supporting traditional artisans and craftspeople.
2. The scheme aligns with India’s cultural heritage, focusing on preserving and promoting traditional skills.
3. Knowledge of government initiatives like ‘PM Vishwakarma’ is essential for UPSC candidates to understand policies promoting inclusive growth.
4. The scheme’s holistic approach, covering skill development, credit support, and marketing, showcases comprehensive solutions to developmental challenges.
5. Analyzing and critically evaluating policies, such as ‘PM Vishwakarma,’ is a skill UPSC candidates are expected to demonstrate.
6. Awareness of current affairs is vital for UPSC, and the scheme’s recent launch demonstrates candidates’ currency of knowledge.
7. The scheme contributes to poverty alleviation and economic empowerment, aligning with UPSC’s focus on societal welfare.
8. Understanding ‘Vishwakarmas’ recognition through certificates and ID cards reflects awareness of social dynamics and inclusivity.
9. The integration of beneficiaries into the formal MSME ecosystem reflects an understanding of economic structures and entrepreneurship.
10. Overall, knowledge of ‘PM Vishwakarma’ enhances a candidate’s grasp of governance, socio-economic development, and cultural preservation in the Indian context.

Compete Details about PM Vishwakarma (PMVKY) Scheme – Background of PM Vishwakarma Yojana

The ‘PM Vishwakarma’ scheme, started on September 17, 2023, helps people who work with their hands and tools, like carpenters, blacksmiths, and potters. These workers, known as ‘Vishwakarmas,’ often face challenges in their jobs.

PM Vishwakarma Yojana in Hindi – प्रधान मंत्री विश्वकर्मा योजना हिंदी में

प्रधानमंत्री विश्वकर्मा योजना भारत सरकार की एक महत्वपूर्ण पहल है जो देशभर के शिल्पकलाकारों और दस्तकलाकारों को सशक्त बनाने का उद्देश्य रखती है। इस योजना के अंतर्गत, पारंपरिक शिल्प और कला में कार्यरत लोगों को सरकार द्वारा विभिन्न लाभ प्रदान किए जाते हैं.

लकड़ी से संबंधित व्यापार

1. सुथार (कारपेंटर)

2. नाव बनाने वाला

लोहा/धातु और पत्थर से संबंधित व्यापार

3. कवचधारी (आर्मरर)

4. लोहार (ब्लैकस्मिथ)

5. हथौड़ा और टूल किट बनाने वाला

6. तालसाज (लॉकस्मिथ)

7. मूर्तिकार (स्टोन कार्वर), स्टोन ब्रेकर

सोने/चांदी से संबंधित व्यापार

8. सुनार (गोल्डस्मिथ)

मिट्टी से संबंधित व्यापार

9. कुम्हार (पॉटर)

चमड़े से संबंधित व्यापार

10. चमड़े के जूते बनाने वाला (कॉब्बलर/जूता आर्टिजन)

स्थापत्य/निर्माण से संबंधित व्यापार

11. राजमिस्त्री (मेसन)

अन्य व्यापार

12. टोकरी/चटाई/झाड़ू बनाने वाला/कॉयर वीवर

13. गुड़िया और खिलौने बनाने वाला (पारंपरिक)

14. नाई (बार्बर)

15. गारलैंड बनाने वाला (मालाकार)

16. धोबी (वाशरमैन)

17. दर्जी (टेलर)

18. फिशिंग नेट बनाने वाला

Source: https://pmvishwakarma.gov.in/

Source: https://www.india.gov.in/spotlight/pradhan-mantri-vishwakarma-scheme

Objectives of PM Vishwakarma Yojana – PM Vishwakarma (PMVKY) Scheme Objectives

There are many objectives of PM Vishwakarma (PMVKY) Scheme. However, we have added a few key Objectives PM Vishwakarma Yojana below-

Approach of PM Vishwakarma Yojana – PM Vishwakarma (PMVKY) Scheme Approach

The ‘PM Vishwakarma’ scheme has a thoughtful approach to help artisans and craftspeople, especially those who work for themselves or want to start small businesses.

In easy words

The ‘PM Vishwakarma’ scheme is like a friend to artisans and craftspeople who work by themselves or want to start small businesses. This scheme helps them keep their traditions and skills alive, and it also gives them a special identity.

Functions & Features of the PM Vishwakarma Yojana – PM Vishwakarma (PMVKY) Scheme Functions & Features

We have added around 10 Key Functions & Features of the PM Vishwakarma Yojana below-

1. Launch and Objectives

• Launched on September 17, 2023, by PM Narendra Modi.
• Aims to provide socio-economic support to artisans and craftsmen across 18 trades.

2. National Integration

• Acts as a national integration program.
• Provides a platform for crafts and craftsmen from every corner of the country.

3. Symbolic Significance

• Commenced on Vishwakarma Puja, symbolizing the worship of Lord Vishwakarma.
• Celebrates the significance of workers and their skills in everyday life.

4. Exhibition Highlights

• Held at Yashobhoomi, Dwarka, showcasing the advancement of artisans from 18 trades.
• Three-day event combining heritage and modern technology, reviving traditional art forms.

5. Financial Support

• Offers a collateral-free development loan of up to 3 Lakhs.
• Loan provided in two tranches – Rs 1 Lakh in the first and Rs 2 Lakhs in the second.

6. Skill Upgradation and Modern Tools

• Focuses on reviving traditional art forms through skill upgradation.
• Aims to support craftsmen with better and more modern tools to enhance efficiency.

7. Diversity of Art Forms

• Includes a wide variety of arts and crafts.
• Exhibits Filigree, Clay Modelling, Toy Making, Sculpting, Chettinad Jewellery, Hair Dressing, etc.

8. Cultural Exchange

• Provides a platform for artisans from different regions.
• Allows the exchange of skills and unique processes, fostering a fusion of arts and culture.

9. Cultural Thread

• Acts as a cultural thread linking people at different levels.
• Connects diverse skills culturally and bridges regional differences.

10. Empowerment and Recognition

• Empowers artisans and nurtures their art, providing national recognition.
• Weaves artisans engaged in various crafts into a cultural cauldron for growth and prosperity.

Read complete Guidelines from PM Vishvakarma Scheme Official PDF

1. Occupation

You need to be an artisan or craftsperson who works with hands and tools in a family-based traditional trade, typically in the unorganized or informal sector, and is self-employed.

2. Age

You should be at least 18 years old when you register for the scheme.

3. Current Engagement

You must be actively involved in the specified trade at the time of registration. Also, you shouldn’t have taken loans from similar government schemes for self-employment/business development in the past 5 years. However, if you’ve fully repaid a loan from MUDRA or SVANidhi, you can still be eligible.

4. Family Limit

Only one member per family can register and receive benefits. A family includes the husband, wife, and unmarried children.

5. Government Service

If you or any family member is in government service, you are not eligible for the scheme.

18 Eligible Businesses Under PM Vishwakarma Yojana – 18 Eligible Trade Under PM Vishwakarma (PMVKY) Scheme – List of 18 Eligible Trades under PM Vishwakarma Yojana

There are total 18 Eligible Trades are listed in PM Vishwakarma Yojana. We have listed & catagorised each of them below-

Wood Based

1. Carpenter (Suthar)

2. Boat Maker

Iron/Metal Based/ Stone Based

3. Armourer

4. Blacksmith (Lohar)

5. Hammer and Tool Kit Maker

6. Locksmith

7. Sculptor (Moortikar, stone carver), Stone Breaker

Gold/Silver Based

8. Goldsmith (Sunar)

Clay Based

9. Potter (Kumhaar)

Leather Based

10. Cobbler (Charmakar)/ Shoesmith/ Footwear Artisan

Architecture/ Construction

11. Mason (Raajmistri)

Others

12. Basket/ Mat/ Broom Maker/ Coir Weaver

13. Doll & Toy Maker (Traditional)

14. Barber (Naai)

15. Garland Maker (Malakaar)

16. Washerman (Dhobi)

17. Tailor (Darzi)

18. Fishing Net Maker

What is the Benefits of PM Vishwakarma Yojana? – PM Vishwakarma (PMVKY) Scheme  Benefits – PM Vishwakarma Yojana Benefits

We have listed all the benefits of PM Vishwakarma Yojana / PM Vishwakarma Scheme / PMVKY Scheme below-

1. Recognition

• Recognition as Vishwakarma through Certificate and ID Card

2. Skilling

• Skill Verification followed by 5-7 days (40 hours) Basic Training
• Interested candidates can also enroll for 15 days (120 hours) Advanced Training
• Training Stipend: Rs 500 per day

3. Toolkit Incentive

• Rs 15,000 grant

4. Credit Support

• Collateral-free Enterprise Development Loans: Rs 1 lakh (First Tranche for 18 months repayment) & Rs 2 lakh (Second Tranche for 30 months repayment)
• Concessional Rate of Interest: 5%, with Interest Subvention cap of 8% to be paid by MoMSME
• Credit Guarantee fees to be borne by GoI

5. Incentive for Digital Transaction

• Re 1 per transaction for a maximum of up to 100 transactions (monthly)

6. Marketing Support

National Committee for Marketing (NCM) will provide services such as Quality Certification, Branding & Promotion, E-commerce linkage, Trade Fairs advertising, publicity, and other marketing activities.

Importance & Significance of PM Vishwakarma Yojana – PM Vishwakarma (PMVKY) Scheme Importance & Significance

PM Vishwakarma Yojana is significantly important due to wide coverage benefits for poor workers in India. We have added all Importance & Significance of PM Vishwakarma Yojana below-

1. Artisan Recognition

The scheme grants official recognition to artisans as Vishwakarma, elevating their status and acknowledging their valuable contributions.

2. Skill Development

Through skill verification and training programs, artisans benefit from both basic and advanced training, enhancing their craftsmanship.

3. Financial Support

The toolkit incentive of Rs 15,000 provides financial assistance for artisans to acquire necessary tools, promoting self-sufficiency.

4. Credit Assistance

Collateral-free Enterprise Development Loans offer substantial financial aid, with flexible tranches and a concessional interest rate, fostering entrepreneurship.

5. Digital Empowerment

The incentive for digital transactions encourages artisans to adopt digital payment methods, promoting financial inclusion and modern business practices.

6. Market Access

Marketing support from the National Committee for Marketing opens avenues for artisans, including quality certification, branding, and exposure on e-commerce platforms.

7. Cultural Preservation

The scheme helps preserve traditional crafts and skills passed down through generations, ensuring the continuity of cultural heritage.

8. Gender and Social Inclusion

By supporting women and marginalized groups in the trades, the scheme promotes inclusivity and equal opportunities within the artisan community.

9. Entrepreneurial Growth

Artisans can access credit for business development, fostering entrepreneurial growth and sustainability in traditional trades.

10. National Integration

The scheme acts as a national integration program, bringing together diverse crafts and craftsmen from across the country, fostering unity in diversity.

How to Apply for PM Vishwakarma Yojana – Application Process of PM Vishwakarma (PMVKY) Scheme

This entire application Process have 3 main steps:

Step-1: Application Process

Step-2: PM Vishwakarma Scheme Registration Process:

1. Application Submission

Beneficiaries can apply through Common Service Centres (CSCs) or online on the Aadhaar-authenticated PM Vishwakarma portal. The portal integrates with various government portals, ensuring information dissemination in multiple languages via a helpline.

2. Application Assistance

Applicants, either directly or with CSC assistance, can explore benefits with support from Village Level Entrepreneurs (VLEs) or Enumerators. CSCs guide beneficiaries in assessing their needs and inform them about the Skill Upgradation component.

3. Bank Account Requirement

Beneficiaries without a bank account receive assistance from CSCs to open one. Aadhaar-seeded bank account details are mandatory for availing monetary benefits.

4. Aadhaar Authentication

At each intervention stage, Aadhaar authentication through biometric verification by CSCs is mandatory.

5. Link to Udyam Assist Portal

The portal includes a link for registration under the Udyam Assist Portal, catering to informal micro-enterprises lacking PAN. Applicants with PAN can register on the Udyam Registration Portal for MSMEs.

6. GeM Portal Onboarding

Beneficiaries are encouraged to join the GeM Portal, enhancing market access. GeM Portal advertising facilitates Vishwakarmas’ product availability for public procurement.

7. Application Verification

The submission and approval process precedes a three-step verification, leading to successful PM Vishwakarma registration.

8. Aadhaar-based Authentication

All registrations are Aadhaar-based, with biometric authentication ensuring the scheme’s integrity.

9. Notification via SMS

Beneficiaries receive notifications on incentive disbursement through SMS.

10. Wide Advertisements

The Scheme is extensively promoted on the GeM Portal, providing Vishwakarmas with market exposure and opportunities.

Step-3: PM Vishwakarma Scheme Verification and Approval Process:

This Step also have 3 stages:

Stage 1: Verification at Gram Panchayat or ULB Level

1. Screening by Local Authorities

Artisans’ details are screened by the head of Gram Panchayat or Urban Local Body (ULB), ensuring traditional self-employment engagement. Gram Sevak/Panchayat Secretary may assist in verification.

2. Family Details Check

Verification includes ensuring the beneficiary’s family details, confirming only one eligible person per family. ULB Executive Head performs the same in urban areas.

3. Certification by Local Authorities

Village Level Entrepreneurs (VLEs) collect details, certified by the Gram Panchayat head or ULB Executive Head.

Stage 2: Vetting and Recommendation by District Implementation Committee

Stage 3: Approval by the Screening Committee

1. Final Approval

The Screening Committee, chaired by an Office of DC-MSME officer, approves beneficiary registrations after due diligence and consideration of District Committee recommendations.

2. Committee’s Terms of Reference

A. Eligibility Confirmation: Approve registrations after ensuring beneficiary eligibility under PM Vishwakarma.

B. Timely Process: Oversee that enrolment and verification proceed without undue delays.

C. Trade-Specific Registration: Ensure eligible beneficiaries in trades covered under PM Vishwakarma are registered.

D. Remedial Measures: Take or suggest remedial actions for more efficient Scheme implementation when necessary.

Documents Required for PM Vishwakarma Yojana – PMVKY Required Documents

You will need many Documents for PM Vishwakarma Yojana Registration. We have listed all of them below-

Latest News on PM Vishwakarma Yojana – PM Vishwakarma Yojana latest Updates

Recently, the government has established the UT Level Monitoring Committee (UTLMC) and District Implementation Committees in the Union Territory of Jammu and Kashmir for the effective implementation of the Prime Minister’s Vishwakarma Scheme.

PM Vishwakarma Yojana Amount –  Credit Support for PM Vishwakarma Yojana – PMVKY Credit Support

Knowing about PM Vishwakarma Yojana Amount or Credit Support for PM Vishwakarma Yojana can be a bit complex matrix for you. We have simplified this Complex Matrix ffor our readers:

1. Toolkit Incentive

• Beneficiaries will receive a toolkit incentive of up to Rs. 15,000.
• This incentive will be provided in the form of e-vouchers at the commencement of Basic Skill Training.

2. Collateral-Free ‘Enterprise Development Loans’

• Eligible beneficiaries can avail collateral-free loans under the scheme.
• The loan amount is substantial, reaching up to Rs. 3 lakh.

3. Loan Tranches

• The loan is disbursed in two tranches for flexibility and phased support.
• The first tranche amounts to Rs. 1 lakh and is available after the completion of Basic Training.
• The second tranche, totaling Rs. 2 lakh, becomes accessible to those who have availed the first tranche.

4. Loan Tenures

• The loans come with varying repayment tenures to suit the financial capacities of the beneficiaries.
• The first tranche has a repayment tenure of 18 months.
• The second tranche has a longer repayment period of 30 months.

5. Concessional Interest Rate

• A concessional rate of interest is applied to the loans, fixed at 5%.
• Additionally, there is a Government of India subvention to the extent of 8% to further reduce the financial burden on beneficiaries.

6. Eligibility Criteria for Tranche Disbursement

• Beneficiaries who have completed Basic Training are eligible for the first tranche.
• The second tranche is accessible to those who have availed the first tranche, maintained a standard loan account, adopted digital transactions, or undergone Advanced Training.

How to check PM Vishwakarma Yojana Application Status?

We have added the complete process of ‘How to Check PM Vishwakarma Yojana Application Status’ Below-

Interest rates for PM Vishwakarma Yojana – PMVKY Interest Rates

The Credit Support component of the PM Vishwakarma Yojana aims to empower traditional artisans and craftspeople by providing them with accessible and subsidized institutional credit for enterprise development on very low interest rates. Here’s an analysis of the key features mentioned:

1. Loan Structure

• The total loan assistance offered is Rs. 3,00,000.
• Beneficiaries can avail the first tranche up to Rs. 1,00,000 and the second tranche up to Rs. 2,00,000.
• Disbursal of credit is linked with specific training milestones.

2. Eligibility Criteria

Beneficiaries must undergo Skill Assessment and complete Basic Training to be eligible for the first tranche of credit.

3. Second Tranche Eligibility

• The second loan tranche is available to those who have availed the first tranche.
• They should maintain a standard loan account, adopt digital transactions, and undergo Advanced Training.
• Repayment of the first tranche is a prerequisite for availing the second tranche.

4. Interest Rates

• Concessional interest rate fixed at 5% for beneficiaries.
• The Government of India provides an interest subvention of 8%, upfront to the banks.

5. Interest Subvention Cap

A Credit Oversight Committee may revise the interest subvention cap of 8%, considering prevailing interest rates.

6. Credit Guarantee

• Loans are covered by the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE).
• Guarantee coverage is graded, based on the percentage of the year portfolio.

7. Guarantee Coverage Details

• For the first tranche, maximum guarantee coverage is 50% of the year portfolio.
• For the second tranche, maximum guarantee coverage is 15% of the year portfolio.
• Coverage percentages vary based on the level of default (first, second, and third loss).

8. Risk Mitigation

Graded guarantee covers mitigate the risk of default, providing varying levels of coverage based on the extent of loss.

9. Effective Guarantee Cover

The effective guarantee cover is calculated based on the coverage percentages for each type of loss.

Interesting Facts about PM Vishwakarma Yojana – PMVKY Interesting Facts

We have added a few Interesting Facts about PM Vishwakarma Yojana – PMVKY Interesting Facts below-

1. Holistic Empowerment

PM Vishwakarma Yojana is a comprehensive scheme aimed at empowering traditional artisans and craftspeople by providing a range of support, including financial aid, skill development, and marketing assistance.

2. Launch Date and Venue

The scheme was launched by Prime Minister Narendra Modi on September 17, 2023, at Yashobhoomi, Dwarka, New Delhi, marking a significant step towards recognizing and supporting the contributions of artisans.

3. Cultural Preservation

One of the scheme’s objectives is to preserve cultural practices, generational skills, and the guru-shishya parampara, ensuring the continuity of traditional crafts and art forms.

4. Inclusive Approach

PM Vishwakarma Yojana is designed to be inclusive, targeting not only men but also women and individuals from marginalized or under-served groups, including Scheduled Castes, Scheduled Tribes, OBCs, Specially Abled, Transgenders, and residents of NER states, Island Territories, and Hilly Areas.

5. Diverse Trades Covered

The scheme encompasses a wide range of traditional trades, including wood-based, metal-based, stone-based, gold/silver-based, clay-based, leather-based, architecture/construction, and others like basket making, toy making, barbering, and tailoring.

6. Financial Assistance

Beneficiaries can avail collateral-free enterprise development loans of up to Rs 3 lakh, divided into two tranches, with concessional interest rates and upfront interest subvention by the Government of India.

7. Recognition and Identity

Artisans and craftspeople registered under the scheme receive recognition as Vishwakarma along with a certificate and ID card, fostering a sense of identity and pride in their craftsmanship.

8. Skill Enhancement

The scheme includes skill upgradation programs, offering both basic and advanced training opportunities, with a training stipend provided to participants.

9. Digital Empowerment

To encourage digital transactions, beneficiaries receive incentives for adopting digital platforms, aligning with the government’s push for a digital economy.

10. National Integration

PM Vishwakarma Yojana serves as a national integration program, bringing together diverse crafts and craftsmen from different corners of the country, fostering unity in diversity. The three-day Vishwakarma exhibition exemplifies this by showcasing a rich mosaic of arts and crafts from various regions.

10 Key Facts about PM Vishwakarma Yojana

We have added the 10 Key Facts about PM Vishwakarma Yojana below-

Question-1: What is PM Vishwakarma Yojana?

Answer. PM Vishwakarma Yojana is a government scheme aimed at empowering traditional artisans and craftsmen across India by providing them with various benefits, including financial support, skill enhancement, and recognition.

Question-2: Who is eligible to apply for PM Vishwakarma Yojana?

Answer. Artisans or craftspeople engaged in family-based traditional trades, aged 18 or above, and not having availed similar loans in the past 5 years are eligible.

Question-3: When was PM Vishwakarma Yojana launched?

Answer. PM Vishwakarma Yojana was launched on September 17, 2023, by Prime Minister Narendra Modi.

Question-4: What trades are covered under the scheme?

Answer. The scheme covers over 18 trades, including Wood, Metal, Stone, Gold/Silver, Clay, Leather, Architecture/Construction, and others like Doll Making, Tailoring, etc.

Question-5: What benefits does the scheme offer?

Answer. The scheme provides toolkit incentives, collateral-free Enterprise Development Loans, skill training, digital transaction incentives, marketing support, and more.

Question-6: How can one apply for PM Vishwakarma Yojana?

Answer. Applications can be submitted through Common Service Centres (CSCs) or online on the Aadhaar-authenticated PM Vishwakarma portal.

Question-7: What is the objective of the scheme?

Answer. The scheme aims to empower traditional artisans, provide skill enhancement, offer financial aid, promote digital transactions, and give them recognition as Vishwakarma.

Question-8: Is there any age restriction for beneficiaries?

Answer. Yes, the minimum age for beneficiaries should be 18 years on the date of registration.

Question-9: How is the loan disbursed under PM Vishwakarma Yojana?

Answer. The loan is disbursed in two tranches: the first tranche of up to Rs. 1 lakh and the second tranche of up to Rs. 2 lakh, with specific conditions and milestones.

Question-10: Is there any fee for enrollment under the scheme?

Answer. No, there is no fee or charge for enrollment under PM Vishwakarma Yojana. The entire cost is borne by the government.

Question-11: Who are eligible for PM Vishwakarma scheme?

Answer. An artisan or craftsperson working with hands and tools in one of the family-based traditional trades specified in Para 2.3, in the unorganized or informal sector, on a self-employment basis.

Question-12: What is the age limit for PM Vishwakarma Yojana?

Answer. The minimum age of the beneficiary should be 18 years on the date of registration.

Question-13: What are the benefits of PM Vishwakarma?

Answer. Recognition as Vishwakarma through Certificate and ID Card, skill training, toolkit incentive, collateral-free enterprise development loans, concessional interest rates, and marketing support.

Question-14: What is the interest rate of PM Vishwakarma Yojana?

Answer. The concessional rate of interest chargeable to beneficiaries for a loan will be fixed at 5% & for Banks or other businesses, its 8%.

Question-15: How can one apply for Vishwakarma Yojana?

Answer. Application for enrollment can be done through Common Service Centres (CSCs) or online application through the Aadhaar-based biometric authenticated PM Vishwakarma portal.

Question-16: What is the monthly pension scheme by PM Modi?

Answer. There arre many Monthly Pension Schemes are available which are green flagged by PM Modi, such as Atal Pension Scheme, Pradhan Mantri Vaya Vandana Yojana, Pradhan Mantri Shram Yogi Maan Dhan Yojana and many more.

Question-17: Under which ministry does the PM Vishwakarma Scheme fall?

Answer. The PM Vishwakarma Scheme falls under the Ministry of Micro, Small, and Medium Enterprises (MoMSME).