Bhabishyat Credit Card Subsidy List 2025 – Check Eligibility, Benefits & Application Details

The Government of West Bengal has introduced the West Bengal Bhabishyat Credit Card Scheme (WBBCCS) to support young entrepreneurs and small business owners in both urban and rural areas. The scheme provides financial assistance, including government subsidy and low-interest loans, to promote self-employment and income generation across the state. If you are looking to know more about the Bhabishyat Credit Card Subsidy List 2025, this article covers everything — from eligibility, benefits, and loan details to the process of applying and checking your subsidy status.

Overview of Bhabishyat Credit Card Scheme (WBBCCS)

The Bhabishyat Credit Card Scheme was launched on 1st April 2023 and will continue for a total of five years. The scheme aims to support 2 lakh youth every year by providing financial assistance up to ₹5 lakh for various income-generating projects such as manufacturing, services, trading, and agriculture-related ventures.The West Bengal government provides a subsidy in the form of margin money contribution and a reduced interest rate to make the loans affordable for small entrepreneurs.

Subsidy and Loan Structure

Under the Bhabishyat Credit Card Scheme, the West Bengal Government provides 10% of the project cost as a subsidy (margin money contribution) with a maximum ceiling of ₹25,000.The remaining amount is offered as a bank loan, which will carry a government-subsidized interest rate of 4% per annum. The loan is fully guaranteed by both CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) and the Government of West Bengal, making it easier for banks to lend to first-time entrepreneurs.

Eligibility for the Bhabishyat Credit Card Scheme Application

You can apply if you meet the following criteria:

• You are an Indian national residing in West Bengal for at least 10 years.
• You are between 18 to 55 years of age.
• You are not an employee of the Central or State Government.
• You are not a defaulter in any bank or financial institution.
• Only one person per family (self or spouse) is eligible.

How to Apply for the Bhabishyat Credit Card Scheme

The state government has made the application process completely online. Here’s how you can apply:STEP 1: Visit the official portal (to be launched soon by the West Bengal Government).STEP 2: Fill in your personal and business details.STEP 3: Upload the project proposal and required documents.STEP 4: Submit your application for screening.STEP 5: After screening, the application will be sponsored to the bank within seven days for loan processing.The scheme will also be publicized in rural areas through Panchayati Raj Institutions to ensure maximum participation.

Checking the Bhabishyat Credit Card Subsidy List

Once the applications are approved and subsidies are disbursed, the government will publish the Bhabishyat Credit Card Subsidy List district-wise on the official website. You can check your name in the list by:STEP 1: Visiting the official website of WBBCCS.STEP 2: Clicking on “Beneficiary List” or “Subsidy Status”.STEP 3: Entering your Application ID or Registered Mobile Number.STEP 4: Viewing your loan and subsidy approval details.

List of Eligible Lending Institutions

Loans under the WBBCCS can be availed from:

• Public Sector Banks
• Private Sector Banks
• Regional Rural Banks (RRBs)
• Cooperative Banks
• Small Finance Banks
• Any other bank recognized by the Government of West Bengal

Highlights of the Bhabishyat Credit Card Scheme 2025

Feature	Details
Name of Scheme	West Bengal Bhabishyat Credit Card Scheme (WBBCCS)
Launched By	Government of West Bengal
Operation Area	Entire state (Urban & Rural)
Tenure	5 Years (From 1st April 2023)
Target Coverage	2 Lakh youth per year
Eligibility Age	18 to 55 years
Eligible Applicants	Indian nationals residing in West Bengal for the past 10 years
Project Cost Limit	Up to ₹5 Lakh
Government Subsidy	10% of project cost (Maximum ₹25,000)
Loan Interest Rate	4% per annum (subsidized by the government)
Guarantee Coverage	100% (85% by CGTMSE + 15% by Govt. of WB)
Eligible Sectors	Manufacturing, Services, Trading, Business, Agriculture, Dairy, Poultry, Fishery, Pig Farming, etc.
Annual Income Limit	No bar
Official Website	To be notified by the Government of West Bengal

Read : RBI Registered Loan App List