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Credit Card Scheme For Artisans And Weavers Of Handicrafts And Handloom Sector

Q: What is the primary objective of Credit Card Scheme For Artisans And Weavers Of Handicrafts And Handloom Sector?

The Credit Card Scheme For Artisans And Weavers Of Handicrafts And Handloom Sector is categorized under Social Welfare & Empowerment to provide targeted financial or developmental support to eligible beneficiaries in India.

Q: How do I apply for Credit Card Scheme For Artisans And Weavers Of Handicrafts And Handloom Sector?

Eligible applicants can verify required documents, check age and profession eligibility criteria on SchemeTrackerIndia, and submit their application through official government portals like myScheme or state welfare department sites.

Social Welfare & Empowerment Min Age: N/A Profession: All

🎯 Quick Insight

The Credit Card Scheme For Artisans And Weavers Of Handicrafts And Handloom Sector is a significant initiative categorized under Social Welfare & Empowerment. It is designed to provide targeted assistance to eligible beneficiaries, helping them achieve better outcomes in social welfare & empowerment.

Complexity Medium

Popularity High

Verification Jan 2026

📝 Overview & Benefits

Features & Benefits:

No collateral security required

Maximum credit limit of ₹2,00,000.

7% interest subvention over a period of 5 years.

A maximum credit limit of ₹2,00,000 will be fixed with a loan component of ₹1,80,000 and the beneficiary's contribution of ₹20,000/-.

Beneficiaries under the scheme shall be issued photo cards indicating therein, the sanctioned limit and validity period of the credit facility.

Beneficiaries shall also be issued a Passbook or a Credit-cum-Passbook incorporating therein the name, address, borrowing limit, validity period, etc.

✅ Eligibility Criteria

All Artisans and Weavers who are duly registered with the Handicrafts and Handloom Department, J&K, and are involved in production and manufacturing processes (otherwise eligible for credit facilities for carrying out the proposed activities under any of the existing bank schemes) shall be eligible.

The selection of beneficiaries under the 'Credit Card Scheme for Artisans & Weavers in the Handicrafts and Handloom sector' shall be made by a District-level Selection Committee headed by the General Manager, District Industries Centre.

🚀 Application Process

Offline

Fresh Application:

Renewal Application:

The credit limit could normally be valid for a period of five years subject to annual review by the bank. For the purpose of the annual review, the borrower may not be required to submit any financial statement. Based on an assessment of performance during an inspection by field staff and operations in the account, the review exercise may be carried out annually and a decision on continuation or otherwise of the limit sanctioned, below the cap of ₹ 1,80,000 may be taken. Need .for enhancement in the limit sanctioned may also be considered as part of the review. No fee will be charged for the review/ renewal of the limit.

📄 Documents Required

Aadhaar Card

Proof of Registration of the artisan/weaver with the Handicrafts and Handloom Department, J&K.

Bank Details

❓ Frequently Asked Questions (FAQs)

What is the main objective of Credit Card Scheme For Artisans And Weavers Of Handicrafts And Handloom Sector?

The Credit Card Scheme For Artisans And Weavers Of Handicrafts And Handloom Sector is categorized under Social Welfare & Empowerment. Its primary objective is to deliver structured welfare, financial assistance, or developmental support to eligible beneficiaries across India.

Who is eligible to apply for this scheme?

Eligibility depends on specific criteria such as minimum age (18+), occupation (Open to all eligible categories), domicile, and income limits. Review the eligibility section above for step-by-step guidance.

What documents are usually required for application?

Applicants generally require valid government identity proof (Aadhaar Card, Voter ID, or PAN), address proof, active bank account details for direct benefit transfer (DBT), income certificate, and photographs.

Where can I officially submit the application?

Applications can be submitted online through official central/state government portals (such as myScheme.gov.in or state welfare department portals) or offline at designated nodal offices and Common Service Centres (CSC).

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🏷️ Related Tags

Social Welfare & Empowerment Schemes 2026 Apply for Credit Card Scheme For Artisans And Weavers Of Handicrafts And Handloom Sector Government Welfare India

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💡 Editor's Tip

Before applying for Credit Card Scheme For..., ensure you have your Aadhar card and bank details ready. Most rejections happen due to mismatched documents.

Verify Documents Checklist

📋 Eligibility Tracker

Category Social Welfare & Empowerment
Min Age 18+
Residency India
Status ● Active