What is the purpose of the Credit Card Scheme for Artisans and Weavers?

The scheme aims to provide adequate and timely financial assistance from financial institutions to artisans and weavers in Jammu & Kashmir to meet their credit requirements for investment and working capital.

Who is eligible to apply for this scheme?

All artisans and weavers who are duly registered with the Handicrafts and Handloom Department, J&K, involved in production and manufacturing processes, and otherwise eligible for credit facilities under existing bank schemes, are eligible.

What is the maximum credit limit offered?

The scheme offers a maximum credit limit of ₹2,00,000, comprising a loan component of ₹1.80 lakh and a beneficiary's contribution of ₹20,000.

Is collateral security required for this credit?

No, collateral security is not required under this scheme.

What interest benefits are provided?

Beneficiaries receive a 7% interest subvention over a period of 5 years.

How long is the credit limit valid?

The credit limit is valid for a period of five years, subject to annual review by competent authorities.

How are beneficiaries selected for the scheme?

The selection of beneficiaries is made by a District-level Selection Committee, headed by the General Manager, District Industries Centre.

Credit Card Scheme For Artisans And Weavers Of Handicrafts And Handloom Sector – Up to ₹2 Lakhs

क्या मैं यह ग्रांट जीत सकता/सकती हूँ — और क्यों?

आपके स्टार्टअप की प्रोफ़ाइल के आधार पर पांच-आयामी विश्लेषण — इस ग्रांट में आप कहाँ जीतते हैं और कहाँ पीछे रह जाते हैं, ताकि आवेदन करने से पहले आपको पता हो।

आवेदन प्रक्रिया

1
Apply Offline
Submit application forms and required documents to the relevant district authorities.
आप
2

आवेदन कैसे करें

ड्राफ़्ट से वितरण तक चार चरण — हर चरण में एक कार्रवाई।

1
अपना आवेदन ड्राफ़्ट करें
ग्रांट ट्रैकर के अंदर फ़ॉर्म भरें — AI आपके पिछले उत्तरों का उपयोग करके हर उत्तर का ड्राफ़्ट बनाता है, ताकि आपको खाली पन्ने से शुरुआत न करनी पड़े।
2
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आधिकारिक आवेदन लिंक का उपयोग करें और अंतिम रूप से जमा करने से पहले सभी विवरण सत्यापित करें।
3
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जमा करने के 5–7 दिन बाद प्राप्ति की पुष्टि और समीक्षा समयरेखा के बारे में पूछने के लिए संपर्क करें।

The Credit Card Scheme for Artisans & Weavers is a loan scheme initiated by the Department of Handicraft & Handloom, Government of Jammu & Kashmir. Its primary objective is to offer adequate and timely financial assistance from financial institutions to artisans and weavers. This support aims to meet their diverse credit requirements, encompassing both investment needs and working capital, in a flexible and cost-effective manner. The scheme is designed for implementation across both rural and urban areas of Jammu & Kashmir.

Eligible beneficiaries include all artisans and weavers who are duly registered with the Handicrafts and Handloom Department, J&K. They must be actively involved in production and manufacturing processes and otherwise eligible for credit facilities under existing bank schemes for their proposed activities. The credit limit provided under this scheme remains valid for a period of five years, subject to an annual review by the competent authorities.

This initiative underscores the government's commitment to fostering the traditional handicrafts and handloom sectors, which are vital to the cultural heritage and economic livelihood of the region. By ensuring access to capital, the scheme empowers artisans and weavers to sustain and grow their businesses, thereby contributing to local economic development and employment generation.

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

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

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