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West Bengal Bhabishyat Credit Card Scheme PDF Download

Government of West Bengal to empower young entrepreneurs and promote the growth of Micro, Small, and Medium Enterprises (MSMEs) in the state. The West Bengal Bhabishyat Credit Card Scheme (WBBCCS) is a significant initiative aimed at fostering self-employment opportunities and supporting the entrepreneurial aspirations of the youth in West Bengal. The primary objective of the WBBCCS is to provide a platform for the talented and ambitious youth of West Bengal to access institutional finance for establishing micro-enterprises. By facilitating access to credit, the scheme enables young entrepreneurs to harness their skills and creativity to become self-reliant business owners. This, in turn, not only empowers the youth economically but also contributes to the overall development and prosperity of the state.


Through the implementation of the WBBCCS, the Government of West Bengal envisions a scenario where the youth are equipped with the necessary financial resources to kickstart their entrepreneurial ventures. By supporting the establishment of micro-enterprises, the scheme aims to create a conducive environment for income generation, wealth accumulation, and the generation of employment opportunities across both rural and urban areas of the state. The WBBCCS serves as a catalyst for economic growth and social empowerment, enabling the youth to realize their potential and contribute meaningfully to the economic landscape of West Bengal. By nurturing a culture of entrepreneurship and self-reliance, the scheme not only benefits individual entrepreneurs but also has a ripple effect on the overall socio-economic fabric of the state.


Furthermore, the WBBCCS is designed to foster innovation, creativity, and sustainable business practices among young entrepreneurs, laying the foundation for a vibrant and dynamic MSME sector in West Bengal. By providing targeted financial support and guidance, the scheme aims to nurture a new generation of business leaders who can drive innovation, create employment opportunities, and contribute to the economic growth of the state. The West Bengal Bhabishyat Credit Card Scheme embodies the government’s commitment to fostering an entrepreneurial ecosystem that empowers the youth, promotes economic self-sufficiency, and spurs inclusive growth. Through this innovative initiative, the Government of West Bengal seeks to unlock the entrepreneurial potential of the youth, catalyze economic development, and pave the way for a prosperous future for the state and its citizens.


West Bengal Bhabishyat Credit Card Scheme Eligibility

  • The West Bengal Bhabishyat Credit Card Scheme is a transformative initiative aimed at empowering individuals in the state to embark on income-generating projects across various sectors. To be eligible for this scheme, individuals must be Indian nationals residing in West Bengal for a minimum of 10 years. The scheme is open to a wide range of eligible individuals, including Motor Transport Workers and Building & Other Construction Workers aged between 18-45 years. It’s important to note that only one person per family, which includes the individual and their spouse, can avail of the benefits of this scheme.
  • The scheme covers a diverse range of income-generating projects, including those in the manufacturing, service, trading/business, and agricultural sectors such as Dairy, Poultry, Fisheries, and Piggery. Both new ventures and existing units are eligible to apply for term loans, working capital loans, or composite loans under the scheme. Additionally, new units established through this scheme may qualify for a second round of capital support for machinery/tools after a two-year period to support expansion efforts.
  • Furthermore, the West Bengal Bhabishyat Credit Card Scheme extends its support to applications that were previously sponsored under the ‘Karmasathi Prakalpa’ but were not sanctioned by April 1, 2023. This migration of applications ensures that deserving projects receive the necessary financial backing and opportunities for growth and development.
  • By providing a comprehensive framework for financial assistance and support, the West Bengal Bhabishyat Credit Card Scheme aims to empower individuals, foster entrepreneurship, and drive economic growth in the state. Through its inclusive approach and focus on diverse sectors, the scheme paves the way for a vibrant entrepreneurial ecosystem that benefits both individuals and the broader community.