The original Karma Sathi Prakalpa portal now displays a “Website Transfer to New Host” message — anyone still bookmarking or sharing the old karmasathi.wb.gov.in link is pointing people to a dead end. The current, correct portal has moved.
Karma Sathi Prakalpa — a self-employment loan scheme by the Government of West Bengal, launched in 2020 under the Directorate of MSME, providing soft loans up to ₹2 lakh along with project and interest subsidies to unemployed youth starting manufacturing, service, or trading businesses.
Current Official Portal: karmasathips.wblabour.gov.in (the older karmasathi.wb.gov.in has migrated)
Quick Answer: Loan amount: Up to ₹2 lakh, soft loan via State Cooperative Bank Project subsidy: 15% of project cost, maximum ₹25,000 Interest subsidy: 50% (timely repayment) or 40% (other cases) of annual interest, for up to 3 years Your contribution: 5% of project cost (margin money) Apply: Online via karmasathips.wblabour.gov.in, or offline through BDO/SDO/KMC offices
⭐ Portal Migration — Use the Current URL
The original portal (karmasathi.wb.gov.in) has been transferred to a new host. Use karmasathips.wblabour.gov.in going forward — this now falls under the West Bengal Labour Department’s domain structure.
Eligibility
| Criteria | Detail |
|---|---|
| Residence | Permanent resident of West Bengal |
| Employment status | Unemployed |
| Age | 18 to 50 years |
| Education | Minimum 8th class pass |
| Per family | Only one member per family eligible |
| Preference | Given to applicants already registered with the Employment Bank |
⭐ Subsidy Structure — Full Breakdown
| Component | Detail |
|---|---|
| Project Subsidy | 15% of project cost, capped at ₹25,000 |
| Interest Subsidy (timely repayment) | 50% of annual interest paid, for up to 3 years |
| Interest Subsidy (other cases) | 40% of annual interest paid, for up to 3 years |
| Your contribution (Margin Money) | 5% of project cost — applies whether project cost is above or below ₹50,000 |
| Remaining amount | Funded as soft loan through the State Cooperative Bank |
Worked example (₹50,000 project): Your contribution: ₹2,500 (5%) | Government subsidy: ₹7,500 (15%) | Bank loan: ₹40,000 (80%)
How to Apply — Step by Step
Online:
Step 1: Visit karmasathips.wblabour.gov.in
Step 2: Complete registration/login
Step 3: Fill the application form (Annexure-I) with personal, educational, and business details
Step 4: Upload required documents
Step 5: Submit
Offline:
Step 1: Collect the free application form from:
- BDO office (if you’re a rural resident)
- SDO office
- Kolkata Municipal Corporation (KMC) (if urban Kolkata resident)
- MSME Facilitation Centre (MFC)
Step 2: Fill it correctly and attach all required documents
Step 3: Submit at the same office
Step 4: Use the Karma Sathi Assistance Desk (KSAD) at these offices if you need help — each office has dedicated officers for this purpose
What Happens After Submission
Step 1: The MFC receives your application from BDO/SDO/KMC within 3 working days
Step 2: MFC converts physical applications into digital format and uploads to the Karma Sathi Portal
Step 3: Application is forwarded to the District Cooperative Bank
Step 4: You receive an SMS notification once the bank processes it
Step 5: Upon sanction, 50% of the loan amount is credited to your cash credit account as the first installment
Step 6: After submitting a certificate of usage for the first installment, the second installment (remaining 50%) is processed
Documents Required
| Document | Notes |
|---|---|
| Aadhaar Card | Mandatory |
| Voter ID | Residence proof |
| Passport-size Photo | Recent |
| Bank Passbook Copy | For loan disbursement |
| Age Proof | Madhyamik admit card or birth certificate |
| Education Certificate | Minimum 8th class pass proof |
| Project Report | Critical — detailed business plan with cost breakdown |
Without a proper Project Report, your loan may not be sanctioned — this is the most commonly underestimated requirement.
Eligible Project Categories
- Poultry & dairy farming
- Grocery/retail shops
- Computer centre/cyber café
- Tailoring & garment units
- Transport (small van, toto, taxi)
- Handicrafts & local art-based business
Checking Beneficiary List/Status
Step 1: Visit karmasathips.wblabour.gov.in
Step 2: Look for “Beneficiary List” or “Application Status” section
Step 3: Select your district/block and search for your name or application reference
Common Problems + Fix
“Old link (karmasathi.wb.gov.in) shows ‘Website Transfer to New Host'”: Use the current portal directly: karmasathips.wblabour.gov.in.
“Loan application rejected or delayed”: Most commonly due to an incomplete or weak Project Report. Ensure it includes a clear cost breakdown, income projection, and business rationale.
“Confused about subsidy calculation”: Project subsidy is a flat 15% (max ₹25,000) regardless of timely repayment. Interest subsidy specifically depends on repayment timeliness — 50% if on-time, 40% otherwise — both capped at 3 years.
“Haven’t received second installment”: Submit the certificate of usage for your first installment — the second installment is processed only after this confirmation.
“Need help filling the offline form”: Visit the Karma Sathi Assistance Desk (KSAD) at your BDO/SDO/KMC office — dedicated officers are available specifically for this.
FAQ
What is the current official portal for Karma Sathi Prakalpa? karmasathips.wblabour.gov.in — the older karmasathi.wb.gov.in has migrated to this new host.
How much loan does the scheme provide? Up to ₹2 lakh, as a soft loan through the State Cooperative Bank, plus project and interest subsidies.
What is my own contribution requirement? 5% of the total project cost, regardless of whether the project is above or below ₹50,000.
How is the loan disbursed? In two installments — 50% upfront, and the remaining 50% after you submit a certificate of usage for the first installment.
What education qualification is required? Minimum 8th class pass.
Can I apply offline? Yes — collect the free application form from your BDO, SDO, KMC, or MFC office.
Official Links
| Purpose | Link |
|---|---|
| Current Portal | karmasathips.wblabour.gov.in |
| MSME Department (Parent) | msme.wb.gov.in/karmasathi |
A weak or missing Project Report sinks more applications than any other single factor in this scheme — investing time in a clear, realistic business plan before submission matters more than getting every other form field perfect.
If you’re applying for Karma Sathi Prakalpa, use the current portal (karmasathips.wblabour.gov.in) rather than any old bookmark, and prepare your Project Report carefully before submission — it’s the single biggest factor in approval.
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