Bhabishyat Credit Card
🏛️ Department of Micro, Small & Medium Enterprises and Textiles • West Bengal Govt
Up to ₹5 lakh bank loan with a State subsidy on project cost and a guarantee fund behind it.
About the Scheme
The Bhabishyat Credit Card provides a bank loan of up to ₹5 lakh to residents of West Bengal aged 18 to 55 for setting up a manufacturing, trading or service enterprise, with the State Government providing a subsidy on the project cost and standing behind the loan through a guarantee fund. Applications are made online and routed to banks through the district administration. 🔗 Official Resources: • Official Portal: https://bcc.wb.gov.in
📄 Documents Required
- ✓Bank Passbook CopyFirst page showing account number and IFSC details
- ✓PAN Card CopySelf-attested copy of Permanent Account Number (PAN) Card
- ✓Project Report / Business PlanOutline of the proposed enterprise with cost, capacity and expected turnover
- ✓Aadhaar CardUnique identification document
- ✓Residential CertificateProof of domicile/residency in West Bengal
🚀 How to Apply
Step 1:Prepare the Project Proposal
Draw up the proposal showing the activity, project cost and how the loan will be repaid.
Step 2:Apply on the BCC Portal
Register and apply online with Aadhaar, residence proof and the project proposal.
Step 3:District Scrutiny
The district authority scrutinises the application and forwards it to the lending bank.
Step 4:Bank Sanction
The bank appraises and sanctions the loan; the State subsidy is adjusted as per scheme rules.