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PNB Weaver Mudra Card

Working-capital overdraft/cash-credit for existing handloom weavers, up to ₹5 lakh, with a RuPay Mudra card limit up to ₹50,000 and government interest/guarantee support subject to scheme conditions.

Facility amountNeed-based working-capital limit up to ₹5 lakh.Borrower interest share and subsidyBorrower bears 6% p.a.; Government subsidy covers interest above 6% up to a maximum 7 percentage points for 3 years from disbursement in standard accounts. The current general MSME schedule is RLLR+BSP+0.15% for exposure up to ₹50,000 and RLLR+BSP+1.40% above ₹50,000 to ₹20 lakh; subsidy conditions remain separate.Eligible borrowerExisting handloom weaver with satisfactory CIBIL.
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Quick eligibility check

PNB Weaver Mudra Card

0 of 6 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Existing handloom weaver with satisfactory CIBIL?

Published source: Eligible borrower

2Do you meet this requirement: PNB's linked general MSME checklist is conditional by entity and facility?

Published source: Documents

3Do you meet this product condition: it requests KYC/registration, financial and existing-bank records, and project/security records where applicable?

Published source: Documents

4Do you meet this requirement: the sheet states working-capital purpose only?

5Document checkDo you have this required document or proof: The scheme sheet requires existing-handloom-weaver status and satisfactory CIBIL but gives no separate document checklist. PNB's linked general MSME checklist is conditional by entity and facility; it requests KYC/registration, financial and existing-bank records, and project/security records where applicable?

Published source: Documents

6Document checkDo you have this required document or proof: existing-handloom-weaver status and satisfactory CIBIL but gives no separate document checklist?

Published source: Documents
0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 8 Oct 2026 · active
Offered byPunjab National Bank

See the official bank source for geographic availability.

Key facts

What the official sources publish

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

Eligible borrowerExisting handloom weaver with satisfactory CIBIL.View source
The limits scheme eligibility to existing handloom weavers with satisfactory .
Source
PNB Weaver Mudra Scheme
Page / section
page 1, Eligibility
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Facility amountNeed-based working-capital limit up to ₹5 lakh.View source
The scheme sets a need-based maximum of ₹5 lakh.
Source
PNB Weaver Mudra Scheme
Page / section
page 1, Extent of Loan
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Borrower interest share and subsidyBorrower bears 6% p.a.; Government subsidy covers interest above 6% up to a maximum 7 percentage points for 3 years from disbursement in standard accounts. The current general MSME schedule is RLLR+BSP+0.15% for exposure up to ₹50,000 and RLLR+BSP+1.40% above ₹50,000 to ₹20 lakh; subsidy conditions remain separate.View source
The 6% borrower share and capped 7-point, 3-year government subsidy are quoted separately from the current bank spread schedule; no universal all-in borrower rate is calculated.
Source
PNB Weaver Mudra Scheme and current lending rates
Page / section
Scheme page 1, Government Support; current rate page, Advances exposure up to ₹20 lakh
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
RuPay Mudra Card limitUp to ₹50,000; ATM cash withdrawal at the bank is stated.View source
A RuPay Mudra Card is to be issued under the scheme with a limit up to ₹50,000.
Source
PNB Weaver Mudra Scheme
Page / section
page 1, Mudra Card
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Government supportMargin-money subsidy: 20% of loan, capped at ₹10,000. Interest subsidy: borrower bears 6%; Government covers excess up to 7 percentage points for 3 years from disbursement in standard accounts. CGTMSE fees: Government pays 0.25% of loan amount for 3 years up to ₹50,000; above ₹50,000 to ₹5 lakh, Government pays the fees for 3 years.View source
All percentages, caps and periods above are printed in the scheme ; the fee is paid by Government, not presented as a borrower processing charge.
Source
PNB Weaver Mudra Scheme
Page / section
page 1, Government Support items (i)–(iii)
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
DocumentsThe scheme sheet requires existing-handloom-weaver status and satisfactory CIBIL but gives no separate document checklist. PNB's linked general MSME checklist is conditional by entity and facility; it requests KYC/registration, financial and existing-bank records, and project/security records where applicable.View source
The manually reviewed product record states: “The scheme sheet requires existing-handloom-weaver status and satisfactory but gives no separate document checklist. PNB's linked general checklist is conditional by entity and facility; it requests /registration, financial and existing-bank records, and project/security records where applicable.”.
Source
PNB Weaver Mudra Card — official product page
Page / section
Published product metadata
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Margin-money subsidy of 20% of the loan, maximum ₹10,000, through the Ministry of Textiles, Government of India
  • Borrower share of interest stated as 6%; government support covers excess up to 7 percentage points for 3 years from disbursement in standard accounts
  • Government pays the stated fees for 3 years; RuPay Mudra Card up to ₹50,000 with withdrawal at the bank

Eligibility

  • Existing handloom weaver with satisfactory ; the sheet states working-capital purpose only.

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

Documents the bank lists

  • The scheme sheet requires existing-handloom-weaver status and satisfactory but gives no separate document checklist. PNB's linked general checklist is conditional by entity and facility; it requests /registration, financial and existing-bank records, and project/security records where applicable.

Related official documents

PNB Credit Related Service Charges — processing and term-loan fee scopeofficial-service-charge-page · reused-current-fee-scope-reviewed-not-applied-generically · accessed 8 Oct 2026
↗
PNB Interest Rates on Advances — current MCLR and RLLR benchmarksofficial-bank-rate-page · reused-current-benchmark-reviewed-2026-10-08 · accessed 8 Oct 2026
↗
PNB MSME Banking catalogue — current scheme linksofficial-product-catalogue · current-catalogue-links-reviewed · accessed 8 Oct 2026
↗
PNB current general MSME loan application checklistofficial-application-checklist-pdf · reused-previously-reviewed-source · accessed 8 Oct 2026
↗
PNB WMS (Weaver Mudra Scheme)official-msme-scheme-pdf · all-pages-text-and-visual-review · accessed 8 Oct 2026
↗
PNB APR for term loans — general amount/rating illustrationsofficial-msme-term-loan-apr-pdf · reused-complete-review-not-product-mappable · accessed 8 Oct 2026
↗
PNB APR for working-capital loans — catalogue-linked PDFofficial-msme-working-capital-apr-pdf · reused-complete-review-not-product-mappable · accessed 8 Oct 2026
↗

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Loan repayment estimate

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One monthly payment₹17,911seventeen thousand nine hundred eleven rupees
Interest paid over the full loan₹17,98,586seventeen lakh ninety-eight thousand five hundred eighty-six rupees
Everything you repay₹42,98,586forty-two lakh ninety-eight thousand five hundred eighty-six 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.

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Eligible borrower · TermExisting handloom weaver with satisfactory

This value is copied from PNB Weaver Mudra Card — scheme terms and Government support. Check the table notes before relying on it.

Source: PNB Weaver Mudra Scheme · page 1, all numbered terms Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 9 rows · 2 columnsPNB Weaver Mudra Card — scheme terms and Government supportView tableHide table

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PNB Weaver Mudra Card — scheme terms and Government support
Published parameterTerm
Eligible borrowerExisting handloom weaver with satisfactory
PurposeWorking-capital requirements of the weaver
Maximum limitNeed-based, up to ₹5 lakh
FacilityOverdraft/cash credit only for working capital
Margin-money subsidy20% of loan, maximum ₹10,000, by Ministry of Textiles, Government of India
Interest subsidyBorrower bears 6%; Government bears the excess, maximum 7 percentage points, for 3 years from disbursement in standard accounts
fees up to ₹50,0000.25% of loan amount, paid by Government for 3 years
fees above ₹50,000 to ₹5 lakhPaid by Government for 3 years
Mudra cardRuPay card up to ₹50,000; cash withdrawal at the bank is stated
  • fees and the separate margin-money subsidy are Government support, not borrower processing fees or a borrower contribution margin.
PNB Weaver Mudra Scheme · page 1, all numbered terms · accessed 8 Oct 2026Open official source ↗
Table 2 · 10 rows · 2 columnsPNB MSME Advances — current exposure/rating spread tableView tableHide table

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PNB MSME Advances — current exposure/rating spread table
Exposure / internal risk ratingSpread over +
Up to ₹50,000+0.15 percentage points
Above ₹50,000 to ₹20 lakh+1.40 percentage points
Above ₹20 lakh and below ₹5 crore — PNB-A1+0.80 percentage points
Above ₹20 lakh and below ₹5 crore — PNB-A2+1.30 percentage points
Above ₹20 lakh and below ₹5 crore — PNB-A3+1.60 percentage points
Above ₹20 lakh and below ₹5 crore — PNB-A4+1.65 percentage points
Above ₹20 lakh and below ₹5 crore — PNB-B1+2.95 percentage points
Above ₹20 lakh and below ₹5 crore — PNB-B2+4.10 percentage points
Above ₹20 lakh and below ₹5 crore — PNB-B3+7.40 percentage points
Above ₹20 lakh and below ₹5 crore — PNB-C1 and below+8.00 percentage points
  • Schedule heading states Advances effective 01-07-2025. Current PNB is 8.35% effective 08-10-2026; rates are over +, and borrower-specific risk are not quantified, and no customer quote is calculated.
  • For the linked facilities capped at ₹20 lakh or below, only the first two exposure rows apply. Tatkaal can reach ₹25 lakh, so its ₹20 lakh–below ₹5 crore internal-rating rows also apply above that exposure.
  • WMS support is separately conditional: borrower interest share 6%, with Government subsidy capped at 7 percentage points for 3 years in standard accounts.
PNB Interest Rates on Advances — current exposure schedule and · Advances sections, rows for exposures to below ₹5 crore; effective 08-10-2026 · accessed 8 Oct 2026Open official source ↗

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