The Bhabishyat Credit Card Scheme 2025 is a helpful program from the West Bengal government. It offers loans up to 5 lakh rupees without needing any security. This scheme is perfect if you want to start your own business but don’t have the money. You can easily apply online in 2025 to get financial support through this scheme.
Overview of the Bhabishyat Credit Card Scheme 2025
Chief Minister Mamata Banerjee started the Bhabishyat Credit Card Scheme 2025 to support new businesses and financial needs in West Bengal. The state government guarantees the loans, so you don’t need to provide any collateral. This scheme helps many people, especially those earning less, to achieve their dream of becoming entrepreneurs.
Main Details of Bhabishyat Credit Card Scheme
| Scheme Name | Bhabishyat Credit Card Scheme |
| Department | Department of MSME&T, West Bengal |
| Launched By | West Bengal State Government |
| Who Can Benefit? | Entrepreneurs and Business Owners |
| Loan Amount | Up to Rs. 5 Lakh |
| Launch Date | 1 April 2024 |
| Application Mode | Online |
| Official Website | https://bccs.wb.gov.in/ |
Main Objectives of Bhabishyat Credit Card Scheme
The main aim is to provide credit cards so eligible people can easily apply for loans. You can use the loan to start a new business, grow an existing one, or manage other money needs. The government wants young people to become self-employed and earn a good income through their own business.
- Helps youth in West Bengal start their own business.
- Supports business growth and income generation.
- Offers financial help for those without capital.
- Government acts as guarantor, so no security is needed.
Who Can Apply? Eligibility Rules
- Must be a permanent resident of West Bengal.
- Applicants should need financial support for starting a business.
- Must provide all required documents for verification.
- Submit valid certificates and proof of residence.
- Documents like Aadhar Card, Ration Card, PAN Card, and photo are necessary.
- Contact details should be correct in the application.
Important Documents Needed
- West Bengal bonafide certificate.
- Business proposal or performa.
- Loan-related papers.
- Aadhar Card copy.
- Ration Card copy.
- PAN Card copy.
- Recent passport size photograph.
- Mobile phone number and contact info.
How to Apply Online for Bhabishyat Credit Card Scheme 2025
Follow these simple steps to apply online:
Step 1: Visit the official BCCS website.
Step 2: Scroll down and click on “Apply Now”.
Step 3: Click on “Register Here” to create your account.
Step 4: Select Yes or No to confirm if you belong to ITI, Polytechnic, vocational courses, SST, PBSSD or TETSD.
Step 5: Enter your name, email, mobile number, and accept terms.
Step 6: Click “Register” to finish.
Login Process for the Scheme
- Go to the official scheme website.
- Click on the login button at the top right corner.
- Enter your username, email ID or mobile number.
- Type your password and enter the captcha code.
- Click “Sign In” to access your account.
How to Apply Offline for Bhabishyat Credit Card Scheme
- Get the application form from the Department of MSME&T office.
- Fill the form carefully and attach all needed documents.
- Submit the form and documents to the District Office of MSME&T.
- Officials will check your application and documents.
- After approval, collect your credit card from the MSME&T office.
Contact Information
- Helpline Number: 3564258345
Frequently Asked Questions (FAQs)
What is the Bhabishyat Credit Card Scheme?
It is a loan program by the West Bengal government giving up to 5 lakh rupees to help business starters.
Who can apply for this scheme?
Anyone who lives permanently in West Bengal and needs financial help to start a business can apply.
What benefits does the scheme offer?
You get loans with government backing and lower interest rates, without needing any collateral.
Can I apply online?
Yes, you can apply easily on the official website.