The West Bengal Government has launched Bhabishyat Credit Card Scheme to help potential businesspersons and small entrepreneurs. The scheme will provide a subsidy amount on interest to eligible applicants to obtain a government-assisted loan of up to ₹5 lakh. This will help to generate self-employment in the state, particularly for economically weaker sections. If you are planning to venture into your own business, this scheme can offer you the much-required financial boost.

What is the Bhabishyat Credit Card Scheme (BCC)?

The Bhabishyat Credit Card Scheme is a financial assistance program introduced by the West Bengal Government in 2025. It aims at supporting the youth as well as small entrepreneurs who want to establish their own micro or small ventures. The scheme offers a credit card with a value of up to ₹5 lakh without any collateral requirement. This scheme is particularly useful for individuals engaged in handloom, handicraft, and other micro-enterprises wherein access to formal credit remains sparse.

This scheme can play a important role in transforming the lives of young entrepreneurs and job seekers in West Bengal. If you meet the eligibility criteria, don’t miss the opportunity to apply under the Bhabishyat Credit Card Scheme and take the first step toward financial independence.

Also Read: UP Govt Interest Free Loan Scheme

The Objective of the Bhabishyat Credit Card Scheme

The primary goal of the Bhabishyat Credit Card Scheme is to nurture self-reliance among the youth of West Bengal by offering them the tools they need to create employment opportunities for themselves and others. It supports entrepreneurship by:

• Offering easy access to credit up to ₹5 lakh.
• Reducing dependency on traditional job markets.
• Creating jobs in both urban and rural areas.
• Promoting local industries, startups, and microbusinesses.
• Encouraging innovation among first-time business owners.

The government-backed guarantee eliminates the burden of collateral, while the low interest rate of just 4% makes the repayment affordable and sustainable.

Overview of the Bhabishyat Credit Card Scheme

Name of the Scheme	Bhabishyat Credit Card Scheme 2025
Launched By	Government of West Bengal
Beneficiaries	Youth and aspiring entrepreneurs in West Bengal
Loan Amount	₹5 lakh (Maximum)
Interest Rate	Subsidized at 4% per annum
Collateral Requirement	None (100% Government-backed Guarantee)
Subsidy	10% of project cost (max ₹25,000)
Eligibility Age Group	18–55 years
Application Mode	Online
Official Website	BCCS WB Portal

Eligibility Criteria for Bhabishyat Credit Card Scheme

To apply for the Bhabishyat Credit Card Scheme, applicants must meet the following eligibility criteria:

• Must be a permanent resident of West Bengal.
• Should be an Indian citizen residing in the state for at least 10 years.
• Age should be between 18 to 55 years.
• Only one applicant per family (self or spouse) can apply.
• Should not have availed similar benefits under any other government scheme.

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Benefits of the Bhabishyat Credit Card Scheme

The Bhabishyat Credit Card Scheme offers a wide array of benefits that make it a compelling choice for individuals looking to start their own ventures:

• Credit facility up to ₹5 lakh without the need for any collateral.
• Low interest rate of 4%, making repayment affordable.
• Government subsidy of 10% of the project cost (maximum ₹25,000).
• 100% guarantee coverage by the West Bengal Government and CGTMSE.
• Enhanced employment generation and economic growth.
• Inclusive development across rural and urban belts.

Required Documents for Bhabishyat Credit Card Scheme

Applicants must prepare the following documents for the registration process:

• Aadhar Card
• PAN Card
• Domicile Certificate of West Bengal
• Passport-size Photograph
• Mobile Number and Email ID
• Bank Account Details

Having these documents ready ensures a smooth and fast application process.

Silent Features of the Bhabishyat Credit Card Scheme

• Single Applicant per Family: Only one member (self or spouse) from a household is eligible.
• Subsidy of ₹25,000 as margin money from the government.
• Bank loan covers the remaining cost after subsidy at 4% interest.
• No Collateral Required: 100% loan guarantee is jointly provided by the government and CGTMSE.
• Support for MSMEs in handicrafts, manufacturing, services, and other sectors.
• Scheme targets financial inclusion and sustainable livelihoods.

Also Read: Telangana New Ration Card

Bhabishyat Credit Card Scheme Apply Online 2025

Follow the step-by-step process below to apply online:

• Visit the official BCCS portal of the West Bengal Government.

• Click on the “Apply Now” button, on the homepage.

• Tap on the “Register Here” link to begin the application.

• Select whether you are from ITI/Polytechnic/SST/PBSSD/TETSD by clicking Yes or No.
• Fill in your name, email ID, and mobile number.
• Accept the terms and conditions and click on “Register” option.
• Now Complete your profile, submit documents, and apply for the scheme.
• Once registered, you will be provided with a login ID and password for future access.

Login Bhabishyat Credit Card Scheme 2025

To log into your account and track your application:

• First, you visit the official BCCS website.
• After that click on the “Login” button on the top right corner.

• Enter your email/mobile number/username.
• After that type your password and solve the captcha code.
• After filling these details click on the “Sign In” button to access your dashboard.
• Here, you can update your application, upload documents, and check your status easily.

Required Details to be Filled Under Application Form

While applying, ensure to provide the following information accurately:

• Full Name
• Email Address
• Mobile Number
• Residential Address
• Educational Qualification
• Business Proposal Details
• Bank Account Number

Make sure your entered data matches your official documents to avoid rejection.

Also Read: Mukhyamantri Yuva Udyami Yojana

Contact Details

For queries or support, contact the helpline:

• Helpline Number: 3564258345
• Support Email: Available on the official portal

FAQs about Bhabishyat Credit Card Scheme

What is the Bhabishyat Credit Card Scheme?
It is a financial support initiative by the West Bengal government offering loans up to ₹5 lakh for self-employment and small business ventures.

Who can apply for the Bhabishyat Credit Card Scheme?
Any Indian citizen aged between 18-55 who has been a resident of West Bengal for the past 10 years.

What is the interest rate under this scheme?
Only 4% interest per annum, subsidized by the government.

Is collateral required to get the loan?
No, the loan is completely collateral-free, backed by government guarantee.

Can I apply online?
Yes, the scheme offers a simple and secure online application process through its official portal.