The Karma Sathi Prakalpa Scheme, launched by the Government of West Bengal in 2025, is a dynamic initiative focused on empowering the state’s youth through financial assistance and self-employment opportunities. Designed to encourage entrepreneurship, this scheme supports young individuals in setting up new manufacturing, trading, and service businesses with soft loans and subsidies of up to ₹2,00,000. The scheme is a crucial step towards transforming job seekers into job creators across both rural and urban West Bengal.
Key Highlights of WB Youth Entrepreneurs Loan
• Scheme Name: Karma Sathi Prakalpa
• Launched By: Government of West Bengal
• Launch Year: 2020
• Target Beneficiaries: Youth (18–50 years) of West Bengal
• Loan Amount: Up to ₹2,00,000/-
• Support Type: Soft loan and subsidy
• Tenure: 3 years from the date of Gazette Notification
• Mode of Application: Online and Offline
Objectives
• Support new income-generating ventures by young entrepreneurs
• Provide soft loans and subsidies to kickstart small businesses in manufacturing, services, or trading
• Create sustainable self-employment and future job creators
• Focus on youth development in both urban and rural parts of the state
• Encourage financial independence and innovation among educated youth
Benefits of the Scheme
• Loan up to ₹2 lakh per beneficiary for setting up a new business
• Loans are disbursed through State-owned Cooperative Banks on soft terms
• Subsidy support is provided in addition to the loan amount
• Target to benefit 1 lakh youth entrepreneurs every year
Eligibility Criteria
• Resident of West Bengal
• Age Limit: 18 to 50 years (as of September 2020)
• Educational Qualification: Minimum Class 8 pass
• Preference to candidates registered with Employment Bank
• Only one member per family (including parents and spouse) can apply
• Must propose a new income-generating activity in the manufacturing, service, or trading sector
• Should not be a defaulter under any government loan scheme
How to Apply – Online/ Offline Process
Online Application
Step 1: Visit the Karma Sathi Prakalpa Official Website
Step 2: Click on “Apply Online”
Step 3: Register as a New User, then log in using your credentials
Step 4: Fill in all necessary details such as personal, educational, and business project information
Step 5: Upload required documents in PDF format (max 2MB)
Step 6: Submit the completed application online
Offline Application
• Visit the local District Employment Exchange or Block Development Office (BDO)
• Collect and fill out the application form manually
• Submit it along with supporting documents to the respective office
NOTE: The form is available in Kolkata Municipal Corporation (KMC) (If the applicant resides in the KMC area). KSP Scheme Application Forms may also be submitted directly at the MSME Facilitation Centre (MFC) of the District Industries Centre (DIC) in the district.
Necessary Documents
• Passport-size Photograph
• Age Proof (Birth Certificate/Aadhaar/School Certificate)
• Residential Proof (Ration Card, Aadhaar, Voter ID)
• Educational Certificates (Class 8 and above)
• Caste Certificate (if applicable)
• Employment Bank Registration Certificate (if available)
• Project Report detailing proposed business
• Any other document requested by the approving authority
Frequently Asked Questions (FAQs)
Q: What is Karma Sathi Prakalpa Scheme?
A: A government initiative to support youth in West Bengal with loans and subsidies for starting new businesses.
Q: Who is eligible for the scheme?
A: Residents of West Bengal aged 18–50 years with at least Class 8 education, proposing new business ventures.
Q: Is there a registration fee?
A: No, online registration and application are completely free.
Q: Can multiple family members apply?
A: No, only one member per family is eligible to apply.
Q: Can I check my application status online?
A: Yes, by logging into the official portal with your registered credentials.
Q: Can I submit more than one application?
A: No, only one application per user is allowed.
Q: What is the maximum financial assistance I can receive?
A: Up to ₹2,00,000/- as a soft loan with possible subsidy support.
References & Useful Links
• Karma Sathi Prakalpa Official Portal
• Application Form – Online Registration
• [Notification – WB Govt Gazette 2025]
• Employment Bank Registration
