Business in BCC/ভবিষ্যত ক্রেডিট কার্ডে কি কি ব্যবসা হবে?/

Описание: Hi
Welcome to our channel @uddyogibarta
In this channel we are explain details of various types of govt schemes, govt projects, govt free projects etc.
In this video We will discuss about a subsidiary loan scheme of govt of West Bengal Bhabisyat credit card.
Bhabishyat Credit Card Scheme, a groundbreaking initiative by the West Bengal Government to empower young entrepreneurs and small business owners!

In this video, we'll cover:

Eligibility criteria and required documents
Application process (online and offline)
Benefits: up to ₹5 lakh loan and 10% government subsidy
Credit guarantee coverage

Watch now and learn how to unlock your business potential with the Bhabishyat Credit Card Scheme!

Key Highlights:

Age: 18-50 years
Residency: 10+ years in West Bengal
Family: Only one person in each family

#BhabishyatCreditCard #WestBengalGovernment #SmallBusinessLoan #Entrepreneurship #GovernmentSchemes #BusinessLoan #FinancialInclusion*
#uddyogibarta

About WBBCCS
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 entrepreneurial 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-employed 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 supersession of "Karmasathi Prakalpa", this new scheme is being introduced for the young entrepreneurs in the age group 18-55 years by offering subsidy linked and collateral free loans for setting up ventures/ projects/ micro enterprises in manufacturing, service and business/ trading/ agro based activities. In addition to subsidy as Margin Money the Government is additionally offering subsidized interest rate of 4% only per annum to the borrower on the Loan Amount for each project through Banks

Salient features of the Scheme

Name of the Scheme : West Bengal Bhabishyat Credit Card Scheme (WBBCCS)
Area of the operation : Entire state - both urban and rural
Tenure : Five years from 1st April, 2023
Target coverage : 2 lakh youth in a year
Eligibility:
Indian National and residing in West Bengal for past 10 years.
Any eligible individual including Motor Transport Workers, Building and other Construction Workers aged between 18-55 years.
Only one person from one family is eligible where 'family' means self and spouse.
Important Features:
Any eligible income generating project in Manufacturing, Service, Trading/Business both new and existing may apply for project cost upto Rs 5 Lakh.
Assistance under the Scheme:-
Only one person from one family is eligible where 'family' means self and spouse.
Government Subsidy:- In the form of Margin Money contribution @10% of the Project Cost with a Ceiling of Rs 25,000/-
Bank Loan:- Approved Project Cost minus Govt Subsidy with a Govt. subsidized interest rate of 4% per annum to the borrower.
Guarantee Coverage:- Bank loan will be 100% covered jointly by CGTMSE & Govt of WB.
Annual income family: No bar
Applicability:
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.
Non-applicability:
Employees of Central/ State Government/ Government Undertakings and their families will not be eligible to come under the purview of the Scheme.
Defaulter borrower in any Bank/Financial Institution.
Project cost: Up to Rs. 5 lakh
Assistance under the Scheme: Loan and government subsidy
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










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