What is the WB Bhabishyat Credit Card Scheme?

The West Bengal Bhabishyat Credit Card Scheme (WBBCCS) provides collateral-free business loans up to ₹5 lakh to micro entrepreneurs, artisans, weavers, and self-help groups at concessional interest rates.

How much loan can be availed under Bhabishyat Credit Card?

Eligible beneficiaries can get collateral-free loans up to ₹5 lakh under WBBCCS to set up or expand small businesses, purchase tools and equipment, or fund working capital needs.

Who is eligible for Bhabishyat Credit Card Scheme?

Micro entrepreneurs, artisans, weavers, potters, self-help groups, and small business owners in West Bengal who are not already availing formal credit and meet income eligibility criteria are eligible.

What is the interest rate for Bhabishyat Credit Card loans?

The effective interest rate for WBBCCS beneficiaries is much lower than market rates, thanks to the state government's interest subsidy component, making it affordable for small business owners.

How to apply for Bhabishyat Credit Card Scheme?

Applications can be made through Duare Sarkar camps, the district MSME office, or partner banks by submitting business plan, identity proof, address proof, and income documents.

What businesses can be funded under Bhabishyat Credit Card?

The loan can fund various micro enterprises including handicrafts, weaving, pottery, tailoring, food processing, small retail shops, service businesses, and other micro-level trades and crafts.

West Bengal Government Scheme – MSME Finance

West Bengal Bhabishyat Credit Card Scheme (WBBCCS) – ভবিষ্যৎ ক্রেডিট কার্ড প্রকল্প

Revolving credit facility for MSME entrepreneurs of West Bengal | 2026

Updated 2026 – Credit limit enhanced; more banks empanelled

MSME Credit Card Revolving Credit Bank Linked Working Capital

About West Bengal Bhabishyat Credit Card Scheme (WBBCCS)

West Bengal Bhabishyat Credit Card Scheme (WBBCCS) (ভবিষ্যৎ ক্রেডিট কার্ড) is a revolving credit facility designed specifically for micro, small, and medium enterprise (MSME) entrepreneurs in West Bengal. The scheme provides a credit card-linked working capital facility to registered MSME owners, enabling them to manage cash flow, purchase raw materials, and expand their business operations. It is especially targeted at small entrepreneurs who lack access to formal bank credit.

₹5L

Maximum revolving credit limit under WBBCCS

Low %

Subsidised interest rate with government support

MSME

All registered MSME units in WB are eligible

Revolve

Revolving credit — repay and reuse as needed

Benefits & Features

Revolving credit facility up to ₹5 lakh for MSME working capital
Subsidised interest rate — lower than standard bank credit cards
Flexible usage — raw material purchase, wages, operational expenses
Repay and reuse — revolving nature allows repeated access to credit
Available to all registered MSME units across West Bengal
Complemented by the Bhabishyat Credit Card Interest Subsidy Scheme

⚠️ Registration First: MSME unit must be registered with the WB MSME Department or Udyam portal before applying for WBBCCS. Apply through your district MSME office or empanelled bank.

How to Apply – 2026

Visit district MSME office or empanelled bank for WBBCCS application

Submit MSME registration, business details, and bank account information

Bank assesses creditworthiness and processes the credit card application

Bhabishyat Credit Card is issued with approved revolving credit limit

Aadhaar Card Udyam/MSME Registration Certificate Bank Account Details Business Plan / Turnover Statement Passport Photo Premises proof (owned/rented)

Official Portal & Status Check

Official Portalmsme.wb.gov.in

Step 1Visit the official portal listed above

Step 2Enter your application/registration ID or Aadhaar

Step 3Check application and payment/benefit status online

WBBCCS fills a critical gap in small business finance in West Bengal by providing a flexible, revolving credit facility to MSME entrepreneurs. Combined with the interest subsidy scheme, it ensures that small business owners have reliable, affordable access to working capital to sustain and grow their enterprises.

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