Bhabishyat Credit Card Scheme (WBBCCS)

The state government of West Bengal has launched a new scheme called the Bhabishyat Credit Card Scheme, which provides loans up to Rs. 5 lakh, with the government acting as a guarantor for future projects. This is an excellent opportunity for people who want to start their own businesses, and they can apply for the scheme online in 2025. 

The scheme is also known as the Bhabishyat Credit Card Scheme. The announcement of the scheme was made by the Chief Minister of West Bengal, Mamata Banerjee, during the budget presentation. The scheme has been introduced to promote future projects in the state and provide financial assistance to those who have limited resources. The loan amount can be availed without any collateral as the government serves as a guarantor.

Benefits of the Bhabishyat Credit Card Scheme (WBBCCS)

The Bhabishyat Credit Card Scheme offers several benefits, some of which are listed below: 

  1. The scheme aims to promote self-employment opportunities for the youth of the state.
  2. Starting a business can provide a source of income and lead to good profits.
  3. Many people have the desire to start their own businesses but lack the funds to do so.
  4. The state government of West Bengal is now offering loans to address this issue.
  5. Loans can be disbursed without the need for a guarantee, as the government will act as a guarantor under the scheme.

Eligibility Criteria for Bhabishyat Credit Card Scheme 

Here are the eligibility criteria for the Bhabishyat Credit Card Scheme: 

  1. Only permanent residents of West Bengal are eligible for this scheme. 
  2. The scheme is designed for people who want to start their own business and require financial assistance. 
  3. All necessary documents related to the scheme must be submitted by the applicant. 
  4. The applicant must submit a bonafide certificate
  5. Adhar Card, Ration Card, Permanent Account Number (PAN) Card and Photograph are mandatory documents to be submitted with the application form. 
  6. Correct contact information must be provided in the application form. 

Required Documents 

To show your eligibility while applying for the scheme online, you are required to submit the following documents: 

  1. Bonafide certificate of West Bengal
  2. Business Performa
  3. Loan documents
  4. Aadhar card of the applicant
  5. Copy of ration card
  6. Copy of the PAN card of the applicant
  7. Recently clicked passport-size photograph
  8. Contact information, including mobile number

How to Apply Bhabishyat Credit Card Scheme  

To apply for the Bhabishyat Credit Card Scheme 2024, you can follow these simple steps: 

  1. Visit the official website of the West Bengal state government.  
  2. Look for the link to apply online for the Bhabishyat Credit Card Scheme.
  3. Click on the link to open the Bhabishyat Credit Card Scheme application form.
  4. Download the form and start filling it with the required details.
  5. Make sure to provide accurate contact information.
  6. Attach all the necessary documents with the application form, including a Bonafide certificate of West Bengal, business proforma, loan documents, Aadhar Card, Ration Card copy, Pan Card copy, and a recently clicked passport-size photograph.
  7. Submit the completed application form with all the required documents to the bank.
  8. The bank will check your eligibility criteria and, if approved, will provide you with a credit card of Rs. 5 lakh.

Remember, only one person from each family is eligible to apply for the Bhabishyat Credit Card Scheme, and applicants must have been residing in West Bengal for the past ten years.

Bhabishyat Credit Card Scheme Online Application  

The Bhabishyat Credit Card Scheme (WBBCCS) is now available for online application after its official announcement and implementation across the state. The state government is offering adequate funding to applicants to support their business ventures. During the announcement, the Chief Minister mentioned that more than 2 lakh young people could take advantage of this scheme to start their own businesses within the next two years.

Applicants approved for this scheme will receive a smart card worth Rs. 5 lakh, also known as the Vidyu, which can be used to access the loan amount. The government will act as a guarantor under this scheme, and a startup capital of Rs. 25,000 will also be provided to successful applicants.

FAQs on Bhabishyat Credit Card

  • Is there a specific age range for eligibility?

    Yes, individuals aged between 18 years to 45 years, including motor transport workers and building and other construction workers, are eligible to apply under the scheme.

  • What is the basic information that you need to provide to get the OTP?

    To receive the OTP, you will need to provide basic information such as your name, full address, gender, date of birth, and mobile number.

  • How can you receive the OTP?

    To obtain the OTP, first, click on the 'Login' link, which will open a popup page on your screen. Next, click on the 'Register Here' link located on the popup page. Fill out the details required in the online registration form. Enter your mobile number and click on the 'TAB' button. Once you do this, an OTP will be sent to your mobile number.

  • How to resend or regenerate OTP if it's not received for the first time?

    To regenerate or resend OTP if it was not received for the first time, click on the 'Resend' link after the specified time has passed, as indicated on the registration screen.

  • How to login into the Bhabishyat Credit Card Scheme portal?

    To log in to this portal, click on the 'Login' button, which will redirect you to a page to enter your login credentials. If you have already registered on this portal, enter your username or email (if you entered it during registration), password, and CAPTCHA (Image Code) in the respective fields. Finally, click on the 'Login' button to access your account. 

  • Is there any fee requirement for the submission of online registration?

    No fees are required for online registration. 

  • How to check the status of a submitted application form?

    Once you have successfully logged in, you can find a 'Details' link on the dashboard. Click on the 'Details' link to view the application status after submitting the online application form. 

  • Can a user apply more than once with the same user login credential in the Bhabishyat Credit Card Scheme portal?

    It is not possible to apply for more than one application using the same user login credential on this portal. 

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