What is Gatidhara SC/ST Loan WB?
Gatidhara (Momentum) is West Bengal's self-employment and entrepreneurship loan scheme for Scheduled Castes and Scheduled Tribes. The West Bengal SC/ST Finance and Development Corporation provides term loans up to ₹5 lakh at 4% interest (against market rate of 12-16%) to SC/ST entrepreneurs for small business — shop, vehicle, handicrafts, food processing, repair workshop, beauty salon, agro-processing. Additionally, Gatidhara provides ₹50,000 as seed grant (non-repayable) for micro enterprises. Training linked — beneficiaries get skill training before loan. Apply at wbscstfinance.org or nearest SC/ST Finance office.
Gatidhara SC/ST Loan WB — Quick Overview
| Scheme Name | Gatidhara Scheme West Bengal 2026 — ₹5 Lakh Loan at 4% for SC/ST Entrepreneurs |
| State | West Bengal (पश्चिम बंगाल) |
| Launched By | Government of West Bengal |
| Launch Year | 2012 |
| Benefit | ₹5 lakh loan at 4% interest + ₹50,000 non-repayable seed grant — SC/ST entrepreneurs in West Bengal |
| Category | Finance |
| Beneficiaries | 1.5 lakh+ SC/ST entrepreneurs benefited since launch |
| Last Verified | 23 May 2026 |
| Official Portal | https://wbscstfinance.org |
Gatidhara — পশ্চিমবঙ্গ SC/ST Finance Corporation — SC/ST উদ্যোক্তাদের ₹5 লাখ 4% interest-এ business loan। ₹50,000 seed grant (non-repayable)। Small business, shop, vehicle, handicrafts, food processing। wbscstfinance.org।
₹5 লাখ 4% সুদে loan + ₹50,000 seed grant — SC/ST entrepreneurs — WB
গতিধারা পশ্চিমবঙ্গের SC/ST উদ্যোক্তাদের জন্য ₹5 লক্ষ ঋণ মাত্র 4% সুদে + ₹50,000 seed grant (ফেরতযোগ্য নয়)। ছোট ব্যবসা, দোকান, যানবাহন, হস্তশিল্প, খাদ্য প্রক্রিয়াকরণ। wbscstfinance.org-এ apply করুন।
📌 फायदा: ₹5 লক্ষ loan 4% সুদে + ₹50,000 seed grant — SC/ST entrepreneurs WB
पात्रता:
WB SC/ST, 18-50 বছর, family income ≤ ₹3 লক্ষ, self-employment plan।
अर्ज कसा करावा:
wbscstfinance.org → Gatidhara → SC/ST cert + income cert + Aadhaar + business plan → SC/ST Finance office submit।
Benefits of Gatidhara SC/ST Loan WB
✅ ₹5 lakh loan at 4% interest + ₹50,000 non-repayable seed grant — SC/ST entrepreneurs in West Bengal
₹5 লাখ 4% সুদে loan + ₹50,000 seed grant — SC/ST entrepreneurs — WB
Who is Eligible for Gatidhara SC/ST Loan WB?
- ✓ SC (Scheduled Caste) or ST (Scheduled Tribe) person in West Bengal
- ✓ Age 18-50 years
- ✓ Planning self-employment / small business venture
- ✓ Annual family income below ₹3 lakh
- ✓ West Bengal domicile
- ✓ Not a defaulter on any government loan
Documents Required for Gatidhara SC/ST Loan WB
How to Apply for Gatidhara SC/ST Loan WB Online?
- 1wbscstfinance.org তেরান করুন → Gatidhara scheme section
- 2Application form download বা online fill করুন
- 3SC/ST cert + income cert + Aadhaar + business plan জমা দিন
- 4Nearest SC/ST Finance & Development Corporation District Office-এ submit করুন
- 5Skill training (linked) attend করুন
- 6Loan sanctioned → ₹5 lakh at 4% interest + ₹50,000 seed grant DBT
Official Government Portal — West Bengal
The single official window for this scheme is wbscstfinance.org. Filing is free, so steer clear of touts promising guaranteed selection.
🔗 wbscstfinance.org — Gatidhara Loan Apply