🌱 Udyam Desk
Karma Sathi Prakalpa 2026: How to Apply for a Subsidised Loan of up to ₹2 Lakh in West Bengal
West Bengal government's Karma Sathi Prakalpa offers unemployed youth soft loans up to ₹2 lakh and a 15% subsidy (up to ₹25 thousand). Eligibility, documents, application and status — complete Bengali guide.
Not a job, but your own business — to walk that path, the West Bengal government’s Karma Sathi Prakalpa gives unemployed youth soft loans and a subsidy. For new income-generating projects, a loan of up to ₹2 lakh, along with a 15% subsidy on the project cost (up to ₹25,000).
Key benefits at a glance
| Item | Details |
|---|---|
| Loan limit | Up to ₹2 lakh (cash credit, 90–95% in two instalments) |
| Subsidy | 15% of project cost, up to ₹25,000 |
| Target group | Unemployed youth aged 18–45, about 1 lakh entrepreneurs a year |
| Type of project | Manufacturing, services, trade — any income-generating work |
Eligibility
- Permanent resident of West Bengal
- Aged 18–45 (relaxation possible in special categories)
- Unemployed or a first-generation entrepreneur — new income-generating project
- Has not previously availed this scheme
Documents
- Aadhaar and voter card (address proof)
- Age proof (Madhyamik admit card)
- Brief description of the project/project report
- Bank account (Aadhaar-linked)
- Passport photos; a copy of any training certificate
- Udyam registration number — an extra plus, if you have one
The path to application and approval
- Finalise the project and write a one-page report — what you will sell, how much it costs, how much profit
- Submit the form at the district MSME office or a bank designated for the scheme
- After verification, once the loan is approved the money is disbursed in two instalments
- The subsidy comes into the account / is adjusted with the loan
Tip: A certificate from RSETI’s free entrepreneur training helps in selection and also builds the skill to run the business.
The formula for choosing a business
Successful Karma Sathi projects usually rest on local demand — crockery shops, food stalls/sweet shops, tailoring, mobile/electronic repair, beauty parlours, poultry-dairy, photo studios, stationery-and-copy shops near stations. Pick the work you know and that the area demands.
Read more: Bhabishyat Credit Card, PMEGP and the Udyam Portal.
🪜 Step-by-step guide
- Project selection and training
Finalise an income-generating project; RSETI/MSME department training makes it easier to get priority.
- Submit the application form
Submit the form + documents at the district MSME office/designated bank; include your Udyam number if you have one.
- Verification and loan approval
The department/bank verifies the project and approves the cash credit — 90–95% of the loan is disbursed in two instalments.
- Receiving the subsidy
The 15% subsidy on the project cost (up to ₹25 thousand) is credited to the recipient's account/adjusted with the loan.
❓ Frequently asked questions
How much loan is available under Karma Sathi Prakalpa?
A soft loan of up to ₹2 lakh is available for a new income-generating project — 90–95% of the loan is disbursed as cash credit in two instalments. Along with it, a 15% subsidy on the project cost (up to ₹25,000).
What is the age limit for Karma Sathi?
Generally 18 to 45 years. Relaxation may apply in special categories (such as disabled or rehabilitated persons) — see the department's current notification.
What is the difference between Karma Sathi and the Bhabishyat Credit Card?
Karma Sathi is mainly for new entrepreneurs with projects up to ₹2 lakh, with a 15% subsidy; the Bhabishyat Credit Card is collateral-free credit up to ₹5 lakh with ~4% effective interest and 10% margin money support. The Bhabishyat Card suits larger projects, Karma Sathi the starting stage.