पंजाब नेशनल बैंक (PNB) कारीगर एवं शिल्पकार क्रेडिट कार्ड (ACC)
ऋण प्रदाता बैंक / संस्था: Punjab National Bank (PNB)
Up to ₹2 Lakh MSME credit at 8.50% – 9.50% with Up to 3 years tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Revolving credit line on RuPay card platform for rural and urban artisans for tool purchase and raw material financing.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Revolving cash credit; zero processing fee; no third-party guarantee required; flexible repayment.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Artisans and craftspersons with valid craft ID.
जमानत / कोलेटरल आवश्यकता (Collateral)
Restricted to verified artisans holding identity card issued by DC (Handicrafts) or State Directorate of Industries.
प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)
Zero prepayment penalty on floating rate loans as per regulatory norms
📂आवश्यक दस्तावेज (Required Documents)
Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Restricted to verified artisans holding identity card issued by DC (Handicrafts) or State Directorate of Industries.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.pnbindia.in/artisan-credit-card.html with digital KYC and financial statements.
Visit nearest MSME branch of the institution with business registration and bank statements.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan tenure and amount for PNB Artisan Credit Card (ACC)?
Borrowers can avail Up to ₹2 Lakh with a repayment tenure of Up to 3 years.
What are the processing charges and collateral terms for PNB Artisan Credit Card (ACC)?
The processing fee is Nil. Collateral terms: Restricted to verified artisans holding identity card issued by DC (Handicrafts) or State Directorate of Industries.
What are the eligibility criteria for PNB Artisan Credit Card (ACC)?
Artisans and craftspersons with valid craft ID. Minimum business vintage required is 0 year(s).
How can an applicant apply for PNB Artisan Credit Card (ACC)?
Apply online at https://www.pnbindia.in/artisan-credit-card.html or visit nearest branch with KYC, Udyam registration, and bank statements.