Get the funds you need to grow your small business with West Bengal government's Bhabishyat Credit Card Scheme! It allows West Bengal residents who operate Micro and Small Enterprises
This government scheme offers several benefits for new micro-business owners:
It provides support of up to ₹5 Lakhs for individuals who wish to start a business but lack sufficient funds.
Eligible individuals can access loans without pledging any asset as collateral under the scheme.
The government provides a subsidy of 10% of the project cost, up to a maximum of ₹25,000.
The bank loan covers the approved project cost minus the government subsidy, with an interest rate of 4% per year, subsidised by the government.
The bank loan is fully covered (100%) by the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) and the Government of West Bengal.
The West Bengal Bhabishyat Credit Card Scheme has simple eligibility criteria to ensure that most people can receive financial assistance. To apply for the scheme, you need to:
Be a citizen of India and a resident of West Bengal for the past 10 years
Be a worker aged between 18 and 55 years (including building and other construction workers, and motor transport workers)
Ensure that only one person from a family (self and spouse) is eligible for the loan
Employees of the government or government undertakings are not eligible for the scheme. You will also not be eligible if you are a defaulter borrower at any financial institution or bank.
When applying for the West Bengal Bhabishyat Credit Card Scheme, you need to provide certain essential documents. These are required to verify your eligibility and process the application smoothly.
Some mandatory documents that you need to submit or upload during application include:
PAN Card
Aadhaar Card
Residential proof
Detailed Project Report
Udyam Registration Certificate
You can apply for the scheme both online and offline.
To apply online, follow these steps:
Go to the official website of the West Bengal Bhabishyat Credit Card Scheme (WBBCCS): https://bccs.wb.gov.in/
Scroll down slightly to find the 'Apply Online' button on the right side
Enter your username/email/mobile number and password
Type in the image code and click on ‘Sign In’
Locate the West Bengal Bhabishyat Credit Card Scheme and open it
Open the application form and complete it with the required details
Submit all necessary documents to complete the application process
The bank will verify your eligibility criteria and documents for authentication and approve or reject the application.
For offline applications, assistance is available from the following:
Block Development Office
Bangla Sahayata Kendra (BSK)
Municipality Office
Borough Office
District Industries Centres
The Bhabishyat Credit Card Scheme (WBBCCS) is open for online applications following its launch across the state. The government is providing financial support to help individuals start their businesses.
This initiative aims to empower youth by offering easy access to credit for entrepreneurial ventures. It is an important step towards fostering a self-reliant and thriving economy.
To be eligible for the West Bengal Bhabishyat Credit Card Scheme, you must be residing in the state for at least 10 years. Also, your age must be between 18 and 55 years. Note that only one member of a family (self and spouse) can apply for the scheme.
Government employees or employees of government undertakings are not eligible for this scheme.
You need to provide basic details such as your name, gender, date of birth, residential address, and mobile number to receive the One-time Password (OTP).
To successfully complete the registration process, you will need to follow a few simple steps and submit the OTP. Here is how you can receive it:
Click on the 'Login' link to open the popup page
Select 'Register Here' on the popup
Fill in the required details in the registration form
Enter your mobile number
Click on the 'TAB' button
You will receive the OTP on your mobile
If you do not receive the OTP, click the 'Resend' link after the specified time on the registration screen. Ensure you wait for a moment to confirm that you did not receive the OTP.
To login on the WBBCCS portal, follow these simple steps:
Visit the official website of WBBCCS
Find the 'Apply Online' button on the right side
Type in your username/email/mobile number and password
Enter the image code and click on ‘Sign In’
No, there is no fee for online registration under the West Bengal Bhabishyat Credit Card Scheme (WBBCCS). You can submit your application free of charge.
To check the status of your WBBCCS application, follow these steps:
Log in to the official portal of the scheme
Navigate to your dashboard
Click on the ‘Details’ option to view your application status
No, users cannot apply more than once for this scheme using the same login credentials.