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प्रधानमंत्री मोदी एवं विभिन्न राज्य के मुख्यमंत्री द्वारा शुरू की गयी सभी योजनाएं, केंद्र व राज्य सरकार की योजनाएँ 2024, सरकारी योजना हिंदी और अंग्रेजी में योगी योजना वेबसाइट पर

Bhabishyat Credit Card Scheme 2024 Apply Online Form at bcss.wb.gov.in

West Bengal government started Bhabishyat Credit Card Scheme 2024 apply online process at bccs.wb.gov.in. Under this scheme, 2 lakh youth of the age group 18 to 55 years will be provided financial assistance as government subsidy and bank loan. Read this article till the end to know make  Bhabishyat Credit Card portal registration and login. The state govt. has earmarked a sum of Rs. 350 crore for this BCC scheme for FY 2023-2024.  

This scheme targets young entreprenuers in the age group 18-55 years by offering subsidy linked and collateral free loans for setting up new ventures/ projects/ micro enterprises in manufacturing, service and buisness/ trading/ agro based activities.

Bhabishyat Credit Card Scheme in West Bengal Budget 2024-25

On 8th Feb 2024, Finance Minister presented WB Budget 2024-25 in which FM said "With a view to ensuring continuity in desired pace of growth in MSME sector, Government had launched a new scheme - West Bengal Bhabishyat Credit Card Scheme (WBBCCS) with the objective of providing self-employment to 2 lakh young entrepreneurs of the State per annum. The State Government has also taken a unique program called "Silper Samadhan" to encourage MSME entrepreneurs in every village and block level of the State".

FM added "Under ‘Bhabishyat Credit Card’ scheme, nearly 20,000 youth have been given financial assistance involving Rs. 426 crore".

Bhabishyat Credit Card Interest Subvention Scheme in WB Budget 2024-25

FM said " In the last year’s budget, a new scheme ‘Bhavishyat Credit Card Scheme’ was launched for our youth. Under this Scheme every year 2 lakh youth of the age group 18-50 years shall be provided financial assistance as loan up to Rs. 5 lakh through Banks for setting up micro enterprises and create employment opportunities". 

She added "I am happy to announce that our government has decided to strengthen the scheme and make it more affordable for micro enterprises. For this purpose, I propose to introduce Bhabishyat Credit Card Interest Subvention Scheme, so that all eligible entrepreneurs under this scheme are able to get collateral free and 100% guaranteed loans at a flat interest rate of 4% only. The balance of the prevailing rate of interest will be borne by the State Government as interest subvention. This intertest subvention benefit will also be made available to the already sanctioned loans under Bhavishyat Credit Card Scheme. For this purpose, Rs. 250 crore is earmarked as annual expenditure. The scheme will benefit around 10 lakh young entrepreneurs in the next few years".

About Bhabishyat Credit Card (BCC) Scheme 2024

  1. Name of the Scheme : West Bengal Bhabishyat Credit Card Scheme (WBBCCS)
  2. Area of the operation : Entire state - both urban and rural
  3. Tenure : Five years from 1st April, 2023
  4. Target coverage : 2 lakh youth in a year
  5. Annual income family : No bar
  6. Project cost : Up to Rs. 5 lakh
  7. Eligible Lending Institutions (L.I.) : All Scheduled Public Sector Banks, Private Sector banks, Regional Rural Banks, Small Finance Banks, Cooperative Banks and any other Lending Institution as may be prescribed.
  8. Mode of application : 
    • Project proposals will be invited form the prospective and potential entrepreneurs in districts through advertisement.
    • The scheme will also be publicized in rural areas through Panchayati Raj Institutions
    • Online application through a dedicated portal to be developed for the scheme shall be made mandatory. No manual application will be accepted
  9. Sponsoring of applications : Screened and complete applications will be sponsored to the banks within seven days on completion of screening.

Bhabishyat Credit Card Scheme 2024 Apply Online

  • On homepage, click "Apply Online" tab to open WB Bhabishyat Credit Card Scheme portal login page.
  • Already registered users can make login with username, email, mobile number, password.
  • However, those who are not registered can hit "Not Registered? Click here to register" link.
  • Then Bhabishyat Credit Card Scheme registration form will open.
  • Fill in details like individual name, email ID, mobile number and click "Register" button.
  • Complete registration process, make login and proceed to get enrolled in Bhabishyat Credit Card Scheme. 
Bhabishyat Credit Card Portal Login (direct link) - https://bccs.wb.gov.in/login.html
Bhabishyat Credit Card Apply Online (direct link) - https://bccs.wb.gov.in/apply_online

Applicability of Bhabishyat Credit Card Scheme (BCCS)

  • Any income generating project in manufacturing, service, trading/business, farm sector (Diary, poultry, fish, piggery, etc.) qualifying as an enterprise under the extant definition of MSMED Act 2006.
  • Both new unit and existing unit can apply under the scheme for Term loan and/or working capital loan/composite loan. However, a new unit set up under this scheme may be considered for 2nd dose of capital support in machinery/tools or expansion only after two years of implementation.
  • All those applications that were sponsored under Karmasathi Prakalpa but not sanctioned as on 1st of April, 2023 will migrate to this scheme.
It is important to note that employees of central/ state government/ government undertakings and their families will not be eligible to come under the purview of the Scheme. Also, this scheme is not applicable to a defaulter borrower in any bank/financial institution.

West Bengal Bhabishyat Credit Card Scheme (WBBCCS) Eligibility

  • Indian national and residing in West Bengal for past 10 years.
  • Any eligible individual including Motor transport workers and building & other construction workers aged between 18 - 55 years.
  • One person from one family is eligible where family means self and spouse.

Assistance under Bhabishyat Credit Card Scheme 

The state govt. will provide assistance in the form of loan and government subsidy under Bhabishyat Credit Card Scheme, as described below:-
  • Government subsidy: In the form of margin money contribution @ 10% of the project cost with a ceiling of Rs. 25,000
  • Bank Loan: The Bank loan component will be the project cost minus eligible govt subsidy in the form of Margin Money contribution

Guarantee Coverage under Bhavishyat Credit Card Yojana

The scheme shall have provision of credit guarantee coverage for the credit facility extended by Lending Institutions in collaboration with Credit Guarantee Trust Fund for MSEs (CGTMSE). The extent of guarantee coverage of the State Government over and above the available coverage under CGTMSE wilI be as follows:-
  • All eligible borrower will get 85% coverage under CGTMSE (existing) provision and 15% coverage from state government.
CGTMSE wiII charge Additional Guarantee Fee (AGF) a per norms on its share of guarantee coverage. However, there will no additional AGF for the additional guarantee coverage to be provided by the State Government.

Model Schemes/DPR under BCC Scheme

S.NoModel Scheme/ProjectCost
1Paddy Husking400000
2Paddy Stock260000
3Puffed Rice497500
4Sal Leaf plate making unit355000
5Sital Pati and its diversified products467000
6Goat Farming268800
7Poultry Farm200000
8Cement Product253000
9Chappal Making408270
10Liquid Detergent400000
11Mfg of Agarbatti498890
12Mfg of Cement ring Chari500000
13RCC Product457867
14Fan Assembling487850
16Fast Food293950
17Mfg of Atta480000
18Mfg of Honey Jam315000
19Mfg of potato chips and wafer338500
20Noodles Mfg481480
21Oil seed crushing492020
22Oil, Wheat, Spice478100
24Spice Grinding487000
25Sweet shop200000
26Clay Doll394000
27Fancy Terracota and utility article383000
28Hand Embroidery & Batick Print286000
29Mfg of bamboo article195000
30Leather Shoe499600
31Mfg of Almirah and showcase500000
32Mfg of Aluminium Furnitures400000
33Mfg of machine screw499920
34Steel Furniture456000
35Wrought Iron Furniture479000
36AC, Freeze Repairing303000
37Automobile repairing and servicing227360
38Barbar Shop93000
39Beauty Parlour300000
40Bi cycle Repairing243020
41Computer Repairing and servicing234700
42Cyber cafe313900
43Decorating Service199800
44E Bike & Toto Repairing394500
45Home Delivery308600
46Large Format Printing485749
47Mobile Repairing & Servicing250000
48Motor cycle Repairing & Servicing262000
49Repair and maintainence of consumer electric products300000
52Tea Stall181700
53Toto service (3-wheeler Vehicle)178000
54Two Wheeler repairing250000
55Xerox & Lamination237200
56Balapose Making359700
57Cotton Mattresses470000
58Cotton Wick333250
59Ladies Underwear230170
60Mfg. Readymade Garments333581
61School Bag494300
62Zari works on saree460000
63Biscuit Distributorship301000
64Book Stationery & Gift260000
65Cosmetics Shop500000
66Electrical goods sales shop195000
68Hardware Shop250000
69Mobile shop499975
70Saree Trading220500
71Stock Business469500
72Trading of Readymade Garments250000
73Trading of rice250000
74Varities Store250000
75Vegetable Vending131000
76Watch shop250000
77Wooden furniture438000
78Gates and Grill making437830
Access Model Scheme / DPR (direct link) - https://bccs.wb.gov.in/home/trades

Bhavishyat Credit Card Announcement in West Bengal Budget 2023-24

Finance Minister has announced Bhavishyat Credit Card Scheme in West Bengal Budget 2023-2024. While announcing the scheme, Finance Minister said "I am happy to announce a new scheme ‘Bhavishyat Credit Card’ for our youth. Under this Scheme 2 lakh youth of the age group 18-45 years will be provided financial assistance as loan upto Rs. 5 lakh through Banks for setting up micro-enterprises and create employment opportunities. State Government shall provide subsidy in the form of margin money contribution upto 10% of project cost with a maximum cap of Rs. 25,000 and a guarantee coverage of 15%. Rs. 350 crore is earmarked for this scheme".

Need for Bhabishyat Credit Card Scheme

West Bengal holds an excellent track record in the development of MSMEs including handloom and handcrafts. Almost 99% of total industrial undertaking belongs to MSMEs sector and again 98% of MSMEs are micro enterprises. A significant number of educated youth of the state who have entreprenuial skill and want to be self-reliant by setting up micro enterprises have limited access to institutional finance for their credit needs. 

Therefore it has been felt necessary to facilitate the youth to become self emply leading to income generation, wealth creation, and creation of further employment opportunities in rural and urban areas of the State. Against this backdrop and in suppersession of "Karmasathi Prakalpa", a new scheme named "Bhabishyat Credit Card Scheme" has been introduced. 

Overview of Bhabishyat Credit Card Scheme

Name of SchemeBhabishyat Credit Card Scheme
StateWest Bengal
Announced byFinance Minister of West Bengal
Date of Announcement15 February 2023
BeneficiariesYouth in the age group of 18 to 55 years
Number of Beneficiaries2 lakh youth
Loan AmountRs. 5 lakh
Budget OutlayRs. 350 crore

Grievance at bccs.wb.gov.in Portal

For any technical query, critical issues or difficulties faced while submitting application please drop a mail at helpdesknic.bccs@gmail.com OR call to our Helpline at 033 2262 2004 in between 10am to 6pm on Monday to Friday (Except Holidays).

About BCC Scheme - https://bccs.wb.gov.in/scheme

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