What is WB Karma Sathi Loan?
West Bengal Karma Sathi Prakalpa provides interest-free loans up to ₹2 lakh to unemployed youth (18–45 years) for starting micro-enterprises and self-employment ventures, with repayment over 5 years.
WB Karma Sathi Loan — Quick Overview
| Scheme Name | WB Karma Sathi Prakalpa 2026 — ₹2 Lakh Self-Employment Loan at 0% Interest for Youth |
| State | West Bengal (पश्चिम बंगाल) |
| Launched By | Government of West Bengal |
| Launch Year | 2020 |
| Benefit | ₹2 lakh interest-free loan — youth 18–45 years — self-employment — 5-year repayment |
| Category | Employment |
| Last Verified | 17 June 2026 |
| Official Portal | https://wb.gov.in/karmasathi |
পশ্চিমবঙ্গ কর্মসাথী প্রকল্প বেকার যুবক-যুবতীদের (18-45 বছর) ক্ষুদ্র উদ্যোগ শুরুর জন্য ₹2 লক্ষ পর্যন্ত সুদমুক্ত ঋণ প্রদান করে। 5 বছরে কিস্তিতে পরিশোধ করতে হবে।
📌 फायदा: ₹2 লক্ষ সুদমুক্ত ঋণ — 18-45 বছর বেকার যুবক — স্বনিযুক্তি
पात्रता:
পশ্চিমবঙ্গের বাসিন্দা, 18-45 বছর বেকার যুবক, পারিবারিক আয় ₹2.5 লক্ষের কম, অষ্টম শ্রেণী উত্তীর্ণ।
अर्ज कसा करावा:
wb.gov.in/karmasathi-এ আবেদন করুন অথবা ব্লক অফিসে যোগাযোগ করুন। ব্যবসায়িক পরিকল্পনা, আধার, আয় শংসাপত্র এবং ব্যাংক পাসবুক জমা দিন।
Benefits of WB Karma Sathi Loan
✅ ₹2 lakh interest-free loan — youth 18–45 years — self-employment — 5-year repayment
₹2 लाख ब्याज-मुक्त ऋण — 18-45 वर्ष बेरोजगार युवा — स्व-रोजगार — 5 वर्ष में वापसी
Who is Eligible for WB Karma Sathi Loan?
- ✓ West Bengal domicile unemployed youth aged 18–45 years
- ✓ Annual family income below ₹2.5 lakh
- ✓ Minimum Class 8 education
- ✓ Must have a viable self-employment project plan
- ✓ Not defaulter on any existing loan
- ✓ Not beneficiary of similar loan scheme in last 5 years
Documents Required for WB Karma Sathi Loan
How to Apply for WB Karma Sathi Loan Online?
- 1Visit wb.gov.in — the application is filed online there
- 2Register yourself; an OTP is sent to the mobile linked with your Aadhaar
- 3Enter the personal, income and bank information the form asks for
- 4Provide clear copies of Aadhaar Card, WB domicile / ration card, Age proof (birth certificate / marksheet)
- 5Do a final review, submit, and keep the reference number safe
- 6Check progress on the same portal while officials verify your file
Official Government Portal — West Bengal
The single official window for this scheme is wb.gov.in. Filing is free, so steer clear of touts promising guaranteed selection.
🔗 Apply at wb.gov.in/karmasathiReal-Life Examples — Are You Eligible for WB Karma Sathi Loan?
Match your own situation against these sample WB Karma Sathi Loan applicants:
26-year-old unemployed graduate from Howrah, West Bengal, with family income of about ₹1.8 lakh a year and a plan to open a small mobile-repair workshop
Eligible — She is a West Bengal domicile unemployed youth within the 18–45 age band, her family income is below the ₹2.5 lakh limit, she is well above Class 8, and she has a viable self-employment project plan, so she meets all the core Karma Sathi conditions.
33-year-old man in Murshidabad who passed Class 5, has no formal schooling beyond that, and wants a loan to start a tailoring unit
Not eligible — Karma Sathi Prakalpa requires a minimum of Class 8 education, and since he only passed Class 5 he cannot meet the educational eligibility even though his age and self-employment intent are fine.
40-year-old resident of Bardhaman whose family earns about ₹2 lakh a year and who is currently defaulting on an earlier cooperative loan
Not eligible — Although his age and family income are within limits, the scheme bars applicants who are defaulters on any existing loan, so his outstanding default makes him ineligible for the interest-free Karma Sathi loan.
These scenarios are indicative; the official eligibility rules always take precedence.
Common Mistakes — Why WB Karma Sathi Loan Applications Get Rejected
- ✗Submitting an income certificate that shows annual family income at or above ₹2.5 lakh, which crosses the scheme's ceiling and leads to rejection.
- ✗Applying without a Class 8 pass certificate or with age proof (birth certificate or marksheet) that does not clearly establish the 18–45 year age band.
- ✗Attaching only a vague one-line idea instead of the required brief project/business plan, so officials cannot assess whether the self-employment venture is viable.
- ✗Giving a bank passbook whose account is dormant or not in the applicant's own name, which stalls the direct disbursement of the ₹2 lakh into the beneficiary's account.
Insider Tips for WB Karma Sathi Loan
- →Apply through the official portal at wb.gov.in/karmasathi or visit your local Block or District office, since both routes are valid for Karma Sathi Prakalpa applications.
- →Keep Aadhaar, WB domicile or ration card, income certificate below ₹2.5 lakh, Class 8 certificate, age proof and bank passbook ready together so the file is complete in one submission.
- →Write a clear brief project plan covering the type of micro-enterprise, rough costs and how it will generate income, because approval and the 60-month repayment are based on this plan.
- →After submitting, note your application reference and use the Karma Sathi status check at wb.gov.in or follow up at the Block office, and confirm your bank account is active since the loan is disbursed directly there after approval.