Bhabishyat Credit Card Scheme 2025:- The West Bengal state government has launched the Bhabishyat Credit Card Scheme, which provides loans up to Rs 5 lakh and acts as a government guarantee for upcoming projects. Those who want to start their own venture have a great opportunity, and in 2024 they can apply online for this program. West Bengal Chief Minister Mamata Banerjee revealed this scheme during the budget presentation.
This Bhabishyat Credit Card Scheme was launched to support upcoming initiatives in the state and give financial assistance to low-income individuals. Since the government acts as a guarantee, the loan amount can be obtained without any collateral. In this article, we have provided you all the information related to Bhabishyat Credit Card Scheme 2025. So you must read this article till the end.
Bhabishyat Credit Card Scheme 2025
Bhavishyat Credit Card Yojana launched by the Government of West Bengal is a government scheme to aid young entrepreneurs. This scheme offers loans up to Rs 5 lakh without any collateral. This means you do not need to hold assets or property to get a loan. The government itself acts as the guarantor, making it easier for people to borrow money.
Bhavishyat Credit Card Scheme 2025 is for all those who want to start a small business or expand an existing business. It includes all kinds of projects like manufacturing, service, trading or even farming activities like dairy or poultry. The scheme aims to help the youth of West Bengal become self-employed and also create employment for others.
Key Highlights Of Bhabishyat Credit Card Scheme 2025
| Name of the Scheme | Bhabishyat Credit Card Scheme |
| Department Name | Department of MSME&T |
| Initiated by | State Government of West Bengal |
| Beneficiary | Entrepreneur/ Business Owner |
| Objective | To Provide Loans up to Rs.5 Lakh |
| Year | 2025 |
| Application process | Online |
| Official Website | https://bccs.wb.gov.in/ |
Objective Of Bhabishyat Credit Card Scheme
The main goal of this scheme is simple. It wants to help young people stand on their own feet. Many educated youth in West Bengal have great business ideas but lack the money to start. Banks often ask for guarantees or property, which many don’t have. This scheme removes that problem by offering collateral-free loans.
Another big aim is to boost the economy of the state. When more people start businesses, they create jobs. This leads to more income and growth in both villages and cities. The government also wants to encourage small businesses, which make up a huge part of West Bengal’s industries. By giving financial help, the scheme hopes to build a stronger future for the state.
Benefits Of Bhabishyat Credit Card Scheme
० Under this scheme, the government will provide financial help of rupees 5 lakh by providing a credit card.
० The scheme will provide financial assistance to the citizens belonging to the age group of 18-55 years.
० The scheme will provide loans at a subsidized interest rate of 4% only per year.
Documents Required
० Aadhar card
० Pan card
० Residential Proof
० Education qualification
० Detailed Project Report
० Passport Size Photo
० Bank Account
० Mobile Number
Bhabishyat Credit Card Scheme 2025 Application Process
STEP 1: First of all, go to official website https://bccs.wb.gov.in/
STEP 2: On homepage, click “Apply Online” tab to open WB Bhabishyat Credit Card Scheme portal login page.
STEP 3: Already registered users can make login with username, email, mobile number, password.
STEP 4: However, those who are not registered can hit “Not Registered? Click here to register” link.
STEP 5: Then Bhabishyat Credit Card Scheme registration form will open.
STEP 6: Fill in details like individual name, email ID, mobile number and click “Register” button.
STEP 7: Complete Application process, make login and proceed to get enrolled in Bhabishyat Credit Card Scheme.
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