ℹ️ YojanaSahay is a free, independent guide — not a government website. We never ask for money or OTP. Apply only on the official .gov.in website.

West Bengal · SC/ST/OBC / Self-Employed Credit

Bhabishyat Credit Card Scheme (West Bengal)

Also known as: Bhabishyat Credit Card Scheme · Bhabishyat Credit Card Yojana · Bhabishyat Credit Card Scheme West Bengal · ভবিষ্যৎ ক্রেডিট কার্ড / भविष्यत् क्रेडिट कार्ड योजना

West Bengal Finance Dept. / Backward Classes Welfare Dept.

Benefit

₹2 lakh overdraft credit facility at 7% interest for SC/ST/OBC artisans and self-employed persons; WB Govt. pays 3% interest subsidy (net cost to beneficiary: 4%); no collateral; enables working capital for micro-enterprises

At a glance

Scheme	Bhabishyat Credit Card Scheme (West Bengal)
For	SC/ST/OBC / Self-Employed Credit
Where	West Bengal
Department	West Bengal Finance Dept. / Backward Classes Welfare Dept.
How to apply	At office / CSC

Who Can Apply

Resident of West Bengal
Category: OBC, SC, ST

In short — check the official website for the full rules.

Required Documents

Aadhaar Card
SC/ST/OBC Caste Certificate
Residence Proof (West Bengal)
Income Certificate
Trade / Occupation Proof
Bank Account (Aadhaar-linked)
Passport Photo

How to Apply

Apply at nearest bank (nationalized) with WB Backward Classes Welfare Dept. referral

Open in YojanaSahay App & Check Eligibility → or browse all schemes

More schemes — West Bengal

See all 21 schemes →

Browse similar schemes

💼 All schemes for Business & Self-Employment

Frequently asked questions

Who can apply for Bhabishyat Credit Card Scheme (West Bengal)?

Resident of West Bengal. Category: OBC, SC, ST.

What is the benefit of Bhabishyat Credit Card Scheme (West Bengal)?

What documents are needed for Bhabishyat Credit Card Scheme (West Bengal)?

Aadhaar Card, SC/ST/OBC Caste Certificate, Residence Proof (West Bengal), Income Certificate, Trade / Occupation Proof, Bank Account (Aadhaar-linked), Passport Photo.

How do I apply for Bhabishyat Credit Card Scheme (West Bengal)?