Business, & agriculture finance

Baroda Artisans Credit Card

Baroda Artisans Credit Card provides reliable & flexible loan options tailored to your needs. Secure the financial support of projects with competitive rates & convenient repayment terms.

Facility amountMaximum sanctioned limit ₹2 lakh. The limit is revolving cash credit; the bank may set a repayment schedule for the tools-and-equipment portion.RateCompetitive pricing based on the repo rate; no numeric borrower rate or spread is published on the reviewed page.Eligible customerArtisans engaged in production or manufacturing and otherwise eligible for a Bank credit scheme. Priority is given to Development Commissioner (Handicrafts)-registered artisans, clusters and self-help groups; existing artisan borrowers with facilities up to ₹2 lakh and satisfactory dealings are also eligible.

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✓ Manually checked 11 Sept 2026 · active

Baroda Artisans Credit Card official product banner

Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Maximum sanctioned limit₹2 lakhView source

The official page caps the revolving credit limit at ₹2 lakh.

Source: Baroda Artisans Credit Card
Page / section: — Fixation of Credit
Accessed: 21 Aug 2026
Confidence: high

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Card/limit validityUp to 3 years, subject to annual reviewView source

The official page requires annual review.

Source: Baroda Artisans Credit Card
Page / section: — Period/Validity
Accessed: 21 Aug 2026
Confidence: high

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MarginNil up to ₹25,000; 15%–25% above ₹25,000 up to ₹2 lakhView source

The official margin table gives two bands.

Source: Baroda Artisans Credit Card
Page / section: — Margin
Accessed: 21 Aug 2026
Confidence: high

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Group insuranceAvailable to artisans registered with Development Commissioner (Handicrafts); premium split 60:40 government/beneficiaryView source

The official page states the eligibility and premium-sharing arrangement.

Source: Baroda Artisans Credit Card
Page / section: — Group Insurance
Accessed: 21 Aug 2026
Confidence: high

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Baroda Artisans Credit Card eligibilityEligible applicants are artisans involved in production/manufacturing and otherwise eligible under an existing bank credit scheme; preference goes to Development Commissioner (Handicrafts)-registered artisans and clusters or artisan SHGs. Existing artisan borrowers with up to ₹2 lakh facilities and satisfactory dealings also qualify.View source

The official Eligibility section publishes artisan, registration, cluster and existing-borrower criteria.

Source: Baroda Artisans Credit Card
Page / section: Eligibility
Accessed: 23 Aug 2026
Confidence: high

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Baroda Artisans Credit Card limitThe photo credit card/passbook facility has a maximum sanctioned limit of ₹2 lakh, is revolving cash credit for repeated drawals and repayments, and is valid for up to 3 years subject to annual review. Margin is nil up to ₹25,000 and 15%–25% from above ₹25,000 to ₹2 lakh. Eligible registered artisans may receive group-insurance cover with premiums shared 60:40 by Government and beneficiary unless otherwise agreed.View source

The official section publishes card limit, validity, margin and group-insurance terms.

Source: Baroda Artisans Credit Card
Page / section
Accessed: 23 Aug 2026
Confidence: high

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EligibilityArtisans involved in production or manufacturing and otherwise eligible under an existing Bank credit scheme; preference for Development Commissioner (Handicrafts)-registered artisans, artisan clusters and artisan self-help groups. Existing artisan borrowers with facilities up to ₹2 lakh and satisfactory dealings are also eligible.View source

The eligibility section lists artisan activity, handicrafts registration preference, clusters/ and the existing-borrower ₹2 lakh condition.

Source: Baroda Artisans Credit Card — official Bank of Baroda page
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

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Facility amountMaximum sanctioned limit ₹2 lakh. The limit is revolving cash credit; the bank may set a repayment schedule for the tools-and-equipment portion.View source

The caps the sanctioned limit at ₹2 lakh and describes repeated drawals and repayments within the limit.

Source: Baroda Artisans Credit Card — official Bank of Baroda page
Page / section: — Fixation of Credit
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

RateCompetitive pricing based on the repo rate; no numeric borrower rate or spread is published on the reviewed page.View source

The page says pricing is based on the repo rate but does not publish a numeric rate or spread.

Source: Baroda Artisans Credit Card — official Bank of Baroda page
Page / section: Interest Rates & Charges
Accessed: 30 Aug 2026
Confidence: high

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TenureUp to 3 years, subject to annual review.View source

The published validity period is maximum 3 years subject to annual review.

Source: Baroda Artisans Credit Card — official Bank of Baroda page
Page / section: — Period/Validity
Accessed: 30 Aug 2026
Confidence: high

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Working-capital processing and review chargeFor the card's matching funded working-capital cash-credit facility, the current MSME tariff is nil up to ₹25,000. Above ₹25,000, fresh-sanction/review rates are CMR 1–2: 0.20%; CMR 3–4: 0.30%; CMR 5: 0.35%; CMR 6: 0.40%; CMR 7 and below: 1.00%. The priority-sector cap is ₹35 lakh and exporter cap ₹17.50 lakh; other advances have no cap. Applicable GST is extra. The product page sets an assessed revolving cash-credit limit up to ₹2 lakh but does not publish the applicant's CMR or a card-specific payable charge; this is the matching tariff formula, not a borrower quote.Effective 3 May 2024View source

The card page describes a revolving cash-credit limit. Apply row 1(A) only to a matching sanctioned FB/NFB working-capital account; no borrower rating or exact charge is inferred.

Source: Service Charges — Bank of Baroda advances
Page / section: Annexure II — row 1(A), FB/NFB working-capital processing; Artisans Credit Card — revolving cash-credit facility
Accessed: 26 Sept 2026
Confidence: high

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Working-capital utilization chargeFor a matching funded working-capital limit, no commitment charge applies when annual average utilization is at least 60%. Below 60%, customers submitting QIS statements pay 0.75% on the unused portion relative to 60% of limits; customers not submitting QIS pay 0.50% on the unused portion relative to total limits. Charges are recovered pro-rata on closure where specified and exclude GST. The card's maximum limit is ₹2 lakh; the exact utilization basis and any charge depend on the sanctioned account and its QIS reporting.Effective 3 May 2024View source

The product page describes revolving cash credit; tariff conditions apply only to a matching sanctioned working-capital limit and utilization event.

Source: Service Charges — Bank of Baroda advances
Page / section: Annexure II — row 1(F), funded working-capital commitment charge; Artisans Credit Card — revolving cash credit
Accessed: 26 Sept 2026
Confidence: high

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Common commercial-loan documentsCommon checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).View source

The current official lists common identity, residence, business-address, constitution and financial documents, then activity/facility-dependent records. It separately says further licences and documents depend on the business entity/activity.

Source: Loans and Advances — Bank of Baroda commercial-loan documents
Page / section: — “What documents need to be submitted for a Commercial Loan?” lines 686–703; Common Documents lines 688–694; Additional documents based on activity undertaken lines 695–703
Accessed: 27 Sept 2026
Confidence: high

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Eligible customerArtisans engaged in production or manufacturing and otherwise eligible for a Bank credit scheme. Priority is given to Development Commissioner (Handicrafts)-registered artisans, clusters and self-help groups; existing artisan borrowers with facilities up to ₹2 lakh and satisfactory dealings are also eligible.View source

The official indexed eligibility block lists all artisans involved in production/manufacturing, preference for artisans registered with the Development Commissioner (Handicrafts), a focus on clusters/ and existing artisan borrowers up to ₹2 lakh with satisfactory dealings.

Source: Baroda Artisans Credit Card — official Bank of Baroda page
Page / section: Eligibility; page-content snapshot crawled last week
Accessed: 27 Sept 2026
Confidence: medium

Open official source ↗

Eligibility

Artisans involved in production or manufacturing and otherwise eligible under an existing Bank credit scheme
preference for Development Commissioner (Handicrafts)-registered artisans, artisan clusters and artisan self-help groups. Existing artisan borrowers with facilities up to ₹2 lakh and satisfactory dealings are also eligible.

Passing a listed condition does not mean the bank will approve an application.

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableCredit amount

Up to ₹25,000 · MarginNil

This value is copied from Baroda Artisans Credit Card — published margin bands. Check the table notes before relying on it.

Source: Baroda Artisans Credit Card — official Bank of Baroda page · — Margin table Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 2 rows · 2 columnsBaroda Artisans Credit Card — published margin bandsThe official product page snapshot states the margin by sanctioned credit band. This is the complete published margin table; other product-page terms remain in their field-level facts.View tableHide table

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Baroda Artisans Credit Card — published margin bands
Credit amount	Margin
Up to ₹25,000	Nil
Above ₹25,000 up to ₹2 lakh	15%–25%

Read from the official Bank of Baroda page-content snapshot marked crawled last week. The live page timed out twice on 2026-09-27; this source refresh remains partial and the table should be rechecked when the live page is accessible.

Baroda Artisans Credit Card — official Bank of Baroda page · — Margin table · accessed 27 Sept 2026Open official source ↗

Table 2 · 19 rows · 2 columnsAnnexure II — Bank of Baroda MSME advances service-charge scheduleComplete current MSME advances schedule. Each row applies only if its facility, customer classification, rating, limit, tenor or triggering event matches; the table is not a list of charges automatically payable on every loan.View tableHide table

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Annexure II — Bank of Baroda MSME advances service-charge schedule
Charge / event	Published charge and conditions
1(A) FB/NFB working-capital processing	Up to ₹25,000: nil. Above ₹25,000, fresh/review: 1–2 0.20%; 3–4 0.30%; 5 0.35%; 6 0.40%; 7 and below 1.00%. Caps: priority sector ₹35 lakh; exporters ₹17.50 lakh; other advances no cap. required for regulatory/expanded aggregate limits above ₹25 lakh to ₹7.50 crore.
1(B) DL/TL/DPG/corporate loans over 1 year and HAM term loans	Up to ₹25,000: nil. Above ₹25,000 to ₹1 crore (fresh sanction): 1% of sanctioned limit. Above ₹1 crore (fresh): 1–2 0.50%; 3–4 0.85%; 5 1.00%; 6 1.10%; 7 and below 2.00%. Caps: priority sector ₹100 lakh; exporters ₹50 lakh; other advances no cap. Term-loan review: 0.10% without cap.
1(C) Real-estate advances / future rent receivables	2% of limit without cap; future-rent-receivables facilities above ₹20 crore are also 2% without cap.
1(D) Review/annual review	Short-term loan, DL, corporate loan, TL or DPG: 0.10% without cap.
1(E) Agreement in principle	Up to ₹5 crore: nil; above ₹5 crore to ₹10 crore: ₹1.5 lakh; above ₹10 crore to ₹25 crore: ₹3.5 lakh; above ₹25 crore: ₹5 lakh.
1(F) Funded commitment charges	No charge when annual average utilization is at least 60% of limits. Below 60%: customers submitting QIS statements pay 0.75% on the unused portion relative to 60% of limits; customers not submitting QIS pay 0.50% on unused portion relative to total limits. Recover pro-rata on closure.
1(F) Non-funded commitment charges	For non-utilised/under-utilised NFB facilities of ₹1 crore or more: 0.25% p.a. on the unused portion. No separate charge where average utilization is at least 60% or as indicated in the QIS statement.
2 Documentation (fund-based corporate accounts)	Above ₹1 crore: 0.10% of limit, maximum ₹1,00,000.
3 Borrower-induced credit opinion	₹500; foreign banks: USD 100.
4 Interchangeability of limits	0.25% of interchangeable amount; minimum ₹5,000, maximum ₹50,000.
5 NOC for charge/pari-passu matters	Up to ₹25 lakh: ₹1,000; above ₹25 lakh to ₹1 crore: ₹10,000; above ₹1 crore to ₹10 crore: ₹20,000; above ₹10 crore: ₹50,000. Stated consortium exception applies.
6 Escrow / TRA account	Annual charge based on the Bank's share in limits: up to ₹5 crore ₹1 lakh; above ₹5 crore to ₹10 crore ₹2 lakh; above ₹10 crore ₹5 lakh.
7 Mortgage creation	For non-retail, non-priority borrowers, per borrowing entity with FB+NFB limits: up to ₹1 crore ₹5,000; above ₹1 crore to ₹10 crore ₹20,000; above ₹10 crore to ₹25 crore ₹25,000; above ₹25 crore to ₹100 crore ₹1 lakh; above ₹100 crore ₹2 lakh, plus actual expenses. Per-instance; specified extensions/substitutions also chargeable.
8 Customer-induced modification	Per proposal: up to ₹1 crore ₹5,000; ₹1 crore to ₹10 crore ₹15,000; above ₹10 crore ₹50,000. Not for changes not discussed with/accepted by the customer at sanction/review.
9 Sanction revalidation	Working capital: 50% of applicable processing charge, no cap. Term loan: 30% of applicable upfront charge, no cap. Not applicable to Export Finance.
10 Lead bank — consortium	0.30% of total assessed FB+NFB limits; minimum ₹5 lakh, maximum ₹50 lakh.
11 Copies for statutory-authority submission	Actual photocopying charges + ₹1,000.
12 Bank official presence for document copies	Actual photocopying charges + ₹2,000 + out-of-pocket expenses.
Consortium meeting	₹10,000 plus actual expenses per meeting.

Charges exclude applicable and may change under Bank policy. Product-page or scheme-specific terms may control; match each line to the sanctioned facility/event before presenting a payable amount.

Service Charges — Bank of Baroda · Annexure II — , rows 1(A)–1(F) and additional items 2–12; lines 1611–1653 · effective 3 May 2024 · accessed 26 Sept 2026Open official source ↗

Baroda Artisans Credit Card

What the official sources publish

Eligibility

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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