Context:
To enhance credit flow to India’s handloom sector, the Ministry of Finance has instructed Public Sector Banks (PSBs) to speed up the sanction and disbursement of loans to eligible weavers under the Pradhan Mantri MUDRA Yojana (PMMY). This comes under the National Handloom Development Programme (NHDP) and aims to support both working capital and term loan needs.
Key Highlights:
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- A centralised portal has been developed in partnership with Punjab National Bank to streamline:
- Submission of claims for margin money
- Interest subvention reimbursement
- Credit guarantee fees
- PSBs are required to process and submit these claims through the Handloom Weaver Mudra Portal.
A clean PDF of this page with the C4S header — it opens right away, and the link comes to your WhatsApp too.
Credit Benefits for Individual Weavers and Organisations
- Margin Money Support:
- 20% of the loan amount, up to:
- ₹25,000 for individual weavers/entrepreneurs
- ₹20 lakh for handloom organisations (₹2 lakh per 100 weavers)
- 20% of the loan amount, up to:
- Interest Subvention:
- Concessional interest rate of 6% for 3 years, capped at 7%
- Credit Guarantee Fee: Waived for up to 3 years
Boost to Market Access for Weavers
- 150,000 weavers have been onboarded on the Government e-Marketplace (GeM) to enable direct sales to govt. departments.
- Ministry of Textiles has partnered with 23 e-commerce platforms and launched the ‘Indian Handmade’ portal to facilitate online sales by artisans and weavers.
