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Baroda Artisans Credit Card (BACC)


  • To provide adequate and timely assistance to the artisans to meet their credit requirements - both investment needs as well as working capital - in a flexible and cost effective manner. The scheme is implemented in rural and urban areas.


  • All artisans involved in production / manufacturing process.
  • Preference given to artisans registered with Development Commissioner (Handicrafts).
  • Beneficiaries of other Government Sponsored loan schemes will NOT be eligible for coverage under BACC scheme.


  • Maximum Rs. 2/- Lakhs per borrower.


  • For limits upto Rs. 25,000/- No margin
  • For limits above Rs. 25,000/- but upto Rs. 2 Lakhs 15% to 25% margin.
  • Margin is subject to change as per RBI guidelines from time to time or the bank's policy in this regard.


  • Hypothecation of assets financed under the scheme..
Click here to download copies of blank agreements to be executed by the borrowers

> Working Capital Finance > Term Finance > MSME > SME > Small Business Borrowers > Traders Loan

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