Gatidhara SC/ST Loan WB — Quick Overview
| Scheme Name | Gatidhara Scheme West Bengal 2026 — ₹5 Lakh Loan at 4% for SC/ST Entrepreneurs | wbscstfinance.org |
| 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 |
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.
Under this scheme, eligible beneficiaries receive ₹5 lakh loan at 4% interest + ₹50,000 non-repayable seed grant — SC/ST entrepreneurs in West Bengal. The scheme was launched in 2012 and is implemented by the Government of West Bengal.
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
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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
Apply directly on the official West Bengal government website. This is the only authorised portal — never pay anyone to apply on your behalf. Application is completely free.
🔗 wbscstfinance.org — Gatidhara Loan ApplyFrequently Asked Questions — Gatidhara SC/ST Loan WB
Common Questions About West Bengal Government Schemes
লক্ষ্মীর ভাণ্ডার কি বন্ধ হয়ে গেছে?+
না, ২০২৬ সালেও যোজনা চালু আছে। Duare Sarkar ক্যাম্পে নতুন আবেদন করা যাচ্ছে। বাজেট ২০২৬-২৭-এ ১ কোটি+ মহিলার জন্য ₹১১,০০০ কোটি বরাদ্দ।
Lakshmir Bhandar eligibility 2026?+
West Bengal women aged 25–60, no income tax payer in family, no government employee, must have Swasthya Sathi card, Aadhaar-linked bank account mandatory.
স্বাস্থ্য সাথী কার্ড কীভাবে পাব?+
Duare Sarkar ক্যাম্পে বা নিকটতম BDO অফিসে আধার কার্ড ও ভোটার কার্ড নিয়ে যান। নথিভুক্তির পর স্বাস্থ্য সাথী কার্ড দেওয়া হবে।
Swasthya Sathi scheme hospital list West Bengal?+
Visit swasthyasathi.gov.in, click on 'Empanelled Hospitals', select your district to see the list of empanelled government and private hospitals near you.
কন্যাশ্রী K1 আর K2-র পার্থক্য কী?+
K1 হলো বার্ষিক বৃত্তি ₹১,০০০ — ১৩-১৮ বছর বয়সী ছাত্রীরা পান। K2 হলো ₹২৫,০০০ এককালীন — ১৮+ বছর বয়সী অবিবাহিত মেয়ে যিনি উচ্চশিক্ষায় আছেন।
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