Public Sector Bank (PSU)Artisan & Weaver CreditArtisans & Craftsmen🛡️CGTMSE CoveredVerified: 2026-09-29

PNB Artisan Credit Card (ACC)

Primary Lending Institution:Punjab National Bank (PNB)

Up to ₹2 Lakh MSME credit at 8.50% – 9.50% with Up to 3 years tenure.

Interest Rate8.50% – 9.50%Linked to EBLR / MCLR / Risk

Loan Amount QuantumUp to ₹2 LakhBased on turnover & project cost

Repayment TenureUp to 3 yearsWith moratorium where applicable

Collateral SecurityRestricted to verified artisans holding identity card issued by DC (Handicrafts) or State Directorate of Industries.

What's Missing: Crucial Fine-Print & Exclusion Gaps

Restricted to verified artisans holding identity card issued by DC (Handicrafts) or State Directorate of Industries.

Note: Eligo publishes these regulatory and commercial exclusions directly from bank product guidelines and CGTMSE rules to protect MSME applicants from unexpected fee debits or loan rejection surprises.

What is PNB Artisan Credit Card (ACC)?

Revolving credit line on RuPay card platform for rural and urban artisans for tool purchase and raw material financing.

Key Benefits & Features

Revolving cash credit; zero processing fee; no third-party guarantee required; flexible repayment.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

Artisans and craftspersons with valid craft ID.

Business VintageNew & Existing units eligible

Min. Annual TurnoverTurnover proportionate

Processing FeeNil

Prepayment TermsZero prepayment penalty on floating rate loans as per regulatory norms

How to Apply (3 Verified Paths)

💼Path 1: Current Account Portal

Apply online via business net banking or approach loan account manager.

🌐Path 2: Official FinTech / Govt Portal

Apply online at https://www.pnbindia.in/artisan-credit-card.html with digital KYC and financial statements.

🏢Path 3: SME Banking Center Walk-In

Visit nearest MSME branch of the institution with business registration and bank statements.

Eligo does not collect business loan applications or financial data. Apply directly on the verified official domain:

Visit Official Portal↗

Documents Required Checklist

Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.

Frequently Asked Questions

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.