West Bengal Student Credit Card Scheme 2021- {Apply Online}

The WB Student Credit Card Scheme will cover various institutional and non-institutional costs to ensure that no student in West Bengal is deprived of their education due to lack of financial assistance. In order to make Bengal youth self-sufficient, the WB Student Credit Card Scheme will provide loan of Rs.10 lakh at a simple annual interest rate. The stated aim of the WB Student Credit Card Scheme is to ensure that the financial constraints do not deter deserving state students from pursuing higher education.

West Bengal Student Credit Card Scheme applies to undergraduate and postgraduate students including vocational qualifications, diploma, doctoral and post-doctoral research and other similar courses from schools, madrasah, colleges, universities, and other institutes such as IIT, IIM, IIEST, ISIS, NLUS, AIIMS, BIT, SPA, NID, IISC, IIIFT, ICFAI business schools. With its liberal repayment terms, the loan program is expected to give a boost to students seeking higher education, whether undergraduate, doctoral or postdoctoral. Students undertaking bachelor, postgraduate, doctoral and post-doctoral studies within and outside India will receive low-interest loan.

In this article, we will provide you with complete information about West Bengal Student Credit Card Scheme. Kindly look through it for West Bengal Student Credit Card Scheme Benefits & Feature, Current Progress, News Update, Eligibility Check, Documents Required, Registration, Sign up Log in, Online Form, How to Apply, Beneficiary List, Status Check.

WB Student Credit Card Scheme 2023

Under the visionary leadership of Mamata Banerjee, the Honorable Chief Minister of West Bengal, the West Bengal Government introduced the Student Credit Card Scheme ( পশ্চিমবঙ্গ স্টুডেন্ট ক্রেডিট কার্ড প্রকল্প ) for state students to permit them to complete an education without financial constraints. WB Student Credit Card Scheme aims to support Bengal students undertaking secondary and secondary madrassas, bachelor and postgraduate studies including vocational qualifications and other equivalent courses in schools, madrassas, colleges, universities and other affiliated institutes within and outside India. Students studying in different coaching institutions and taking various competitive exams such as engineering, medicine and law, IAS, IPS and WBCS will be eligible for loan under the West Bengal Student Credit Card Scheme.

State students can get a maximum collateral security free loan of Rs.10 lakh. The repayment period is 15 years for credit card loan, including moratorium and repayment leave. The age limit for interested students is forty years at the time of applying for the loan. The student applying for a loan under the WB Student Credit Card Scheme must be an Indian citizen and have been living for the past 10 years in West Bengal State. The student’s self-declaration must be attached to the application form in order to be accepted.
পশ্চিমবঙ্গের  মাননীয়া মুখ্যমন্ত্রী মমতা বন্দ্যোপাধ্যায়ের দূরদর্শী নেতৃত্বে পশ্চিমবঙ্গ সরকার স্টুডেন্ট ক্রেডিট কার্ড প্রোগ্রাম চালু করেছে যাতে রাজ্যের ছাত্রছাত্রীরা আর্থিক সীমাবদ্ধতা ছাড়াই তাদের শিক্ষা সম্পন্ন করতে পারে।
WB Student Credit Card Scheme

WB Student Credit Card Scheme Benefits & Feature

  • Up to 20% of the total loan sanctioned can be used as living expenses
  • There will be a spending limit of up to 30% of the total loan approved for non-institutional expenditure including the entire lifetime of the study.
  • Amount of loan to meet the expenses for course fee including tuition fee and any other amount payable to the Institution will be remitted directly to the bank account of the concerned institution.
  • The unconstitutional total cost, including the cost of living, will be remitted to the registered bank account of the student.
  • The minimum eligibility for application under the WB Student Credit Card Yojana is to pass Class IX from any recognized board active in West Bengal. The applying student is also to be enrolled in Class X or for 10+2 or higher education in any course in any recognized Higher Education Institution
  • The Credit Card is not transferable.

Student Credit Card Scheme in WB [Key Highlights]

Name of the Schema West Bengal Student Credit Card Scheme (পশ্চিমবঙ্গ স্টুডেন্ট ক্রেডিট কার্ড প্রকল্প)
Announced By Hon’ble Chief Minister of West Bengal Mamata Banerjee
Scheme Goal To pursue education without having any financial constraints by providing loan to students for higher education
Scheme Beneficiaries Students of West Bengal
Launch Data 30th June 2021
Financial Assistance up to ₹10 lakh loan @ 4% per annum simple interest
Application Type Online
Scheme Implemented in West Bengal (WB)
Official Website wbscc.wb.gov.in

Current Progress of West Bengal SCC Scheme

  • The West Bengal government has so far received over 26,000 applications for the WB Student Credit Card Yojana, a senior official said.
  • Over 26,000 applications were submitted after launch. Nearly 6,059 students are from West Bengal but are studying outside the State. Around 16,800 applicants are males, and 9,700 are females
  • On 25 May 2021, the West Bengal Cabinet approved the West Bengal Student Credit Card and directed the concerned Ministries to formulate rules and guidelines for its implementation. A scheme for eligible students has been launched on 30 June 2021.

WB Student Credit Card Scheme Eligibility Criteria

  • Student Credit Card/loan cannot be applied for future courses. Admission receipt is to be uploaded while applying.
  • The students cannot apply for credit card loan considering their course fee of the regular institute as well as the coaching institute fee clubbed.
  • The loan cannot be applied for the course fees or admission fees etc which have already been paid to the institution. Fees to be paid in future for the running course only is to be mentioned. There is no reimbursement system in this WB Student Credit Card Scheme.
  • Education loan will be given only to students above class 10.
  • The loan can be utilized for meeting the cost of the following items:
    a) Cost of purchasing books/ Computer/ Lap-top/Tablet/ equipments etc.
    b) Fees required for accommodation in hostel or rent/ license fees payable for living outside the hostel or fees required for living as a Paying Guest.
    c) Course fees payable to the School/College/University / Professional Institutes/ coaching institute where the student is enrolled for appearing in the entrance examination for admission in medical/engineering/law courses or for appearing in UPSC/PSC/SSC etc. This
    will include tuition fees, fees payable for caution deposit/ building fund /refundable
    deposit/examination/library/laboratory fees to be supported by Institution’s bills/ receipts.
    d) Any other expense required to complete the course such as study tours, project works, thesis, etc.
  • Students studying outside India are also eligible to apply for the SCC scheme.
  • There are no marks percentage criteria for applying in the scheme.
  • There is no income ceiling for candidates to apply in the SCC scheme.
  • The applying student should not be aged more than forty years at the time of applying for a loan.
  • Students can apply anytime during the tenure of the course.
  • The repayment period shall be 15 years’ for any loan availed under this Credit Card Scheme including the Moratorium/ Repayment Holiday from the date of disbursement of the first installment of the loan.
  • There shall be 4% simple rate of interest per annum. There shall be an interest concession 1% to the borrower if the interest is fully serviced during the study period.
  • This SSC scheme is applicable only for students whose families are residents of West Bengal at least for the last 10 years at the time of application.
  • There are no security requirements, and The State Government will agree with the banks separately in this regard.

Documents Required for WB Student Credit Card Scheme

Please keep the following documents with you before the registration process.

  • Colour Photograph of the applicant (should be in .jpeg / .jpg between 20 to 50 KB)
  • Colour Photograph of the co-applicant / co-borrower (should be in.jpeg / .jpg format, between 20 – 50 KB)
  • Signature of the student (should be in .jpeg / .jpg format, between 10 – 50 KB)
  • Co-borrower / Guardian’s signature (should be in .jpeg / .jpg, format, between 10 to 50 KB)
  • Student’s AADHAR Card (should be in .pdf format, between 50 to 400 KB)
  • Student’s Class 10th Board registration certificate (if no AADHAR card) (should be in .pdf format between 50 KB to 400 KB)
  • Guardian’s Address Proof (should be in .pdf format between 50 KB to 400 KB)
  • Admission Receipt (should be in .pdf between 50 KB to 400 KB)
  • Student’s PAN Card/undertaking if there is no PAN Card (should be in .pdf format between 50 KB to 400 KB)
  • Guardian’s PAN Card/undertaking if there is no PAN Card (should be in .pdf format between 50 KB to 400 KB)
  • The relevant page of the brochure/document detaining course fee/tuition fee (should be in .pdf format between 50 KB to 400 KB)

How can you attach the document for the registration under WB Student Credit Card Scheme

To resize a jpeg or jpg format image to bring to specified size:

  • Click the image with mobile or Camera and transfer it to your desk top or laptop.
  • Crop out the unnecessary portions of the image (Open the image→ Select Edit & Create → Select Edit → Click on the desired border line and drag to crop out → Click Save)
  • To resize (Right click the image → Select Open with → Select Paint→ Select Resize → Select Percentage option → Type the desired percentage inside the box i.e 75 etc. → Click OK → Click Save →Check the file size)
  • If not OK yet, repeat the above steps (Alternate methods also may be applied, if desired)

Different Courses Under Student Credit Card Scheme

Course Type Course Name
PG (Post Graduate) MA, MSc, MCom, MD, MS, MBA, LLM, M Mus, etc.
Subject wise courses like MSc Physics etc. are not required to be selected
UG (Under Graduate) BA, BSc, BCom, MBBS, BBA, LLB, etc. Subject wise courses like BSc Physics etc. are not required to be selected
Diploma ANM, GNM, PGDBA, PGDM, PG Diploma, all Diploma in Polytechnic, Para medicals, etc.
Certificate ITI
School Class 10, Class 11, Class 12
Vocational (10+2) Class 11, Class 12

{Step by Step Guide} How to Apply for WBSCC  Scheme

  • Please download the SSC scheme document and read it carefully before proceeding for registration.
  • Please keep the required documents with you before the registration process.
  • Visit https://wbscc.wb.gov.in
  • Click on the Student Registration option
    Student Credit Card Registration
  • Fill up the Registration of Student form
  • Click on the Register button to generate a user id and password.
  • After completion of the registration process, a unique id will be generated which will be sent to your mobile number which will be used as your user id for submission of the application. This unique id will be used as a user id for all future purposes.
    Screenshot (5)
  • After the registration, you can check your id by logging in with the help of Registration No. & Password.
    Screenshot (7)

পশ্চিমবঙ্গ সরকার Student Credit Card Yojana Important Links

How to Apply for WB SCC User manual (English) Download Here
How to Apply for WB SCC User manual (Bengali) Download Here
Apply online for Student Credit Card Apply Here
WBSCC Official Website Click Here

West Bengal SCC Scheme Contact Details & Helpline No

We have provided all the details related to West Bengal Student Credit Card Scheme. If you have faced any issues while applying for WB Student Credit Card Scheme, Kindly note below contact details for any help.

  • Email Address: contactwbscc@gmail.com
  • Toll free Number: 1800-102-8014

WB Student Credit Card Scheme FAQs

Which bank will issue the credit card and sanction loan under SCC scheme?

The State Co-operative Banks or Central Co-operative Banks or District Central Co-operative Banks or any other Public and Private sector Banks shall be authorized to issue the credit card and sanction loan under SCC scheme.

Do I need to get any No Objection certificate from my institution before applying for the loan under WB Student Credit Card Scheme?

No, there is no need for obtaining any NOC from the institution.

Can a final year student apply for the Student’s Credit Card Scheme?

Yes, a student can apply for a loan under SCC scheme anytime during the course

Do I need to send any hard copy of the completed form of SSC once the registration and filling up of form is over?

No. However, you can preserve a hard copy for your future reference.

Is the Student Credit Card transferrable to my brother or sister?

No, the Credit Card is not transferable.

In case the card is damaged, what is the procedure for issuing a duplicate card?

The student can contact the bank for a replacement card.

Is international transaction facility available with the credit card?

No, this Credit Card is only for study loan under SCC scheme from approved banks

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