West Bengal Student Credit Card Scheme 2022: Apply Online, Eligibility

West Bengal Student Credit Card Scheme | West Bengal Student Credit Card Scheme Application Form | West Bengal Student Credit Card  Scheme Login | WB Student Credit Card Scheme Eligibility | WBSCC

To encourage and help the students the state government of West Bengal has started various schemes and scholarships. The state government has started various schemes so that the students can continue their higher education without any financial issues. Today in this article we will provide the complete details about the West Bengal Student Credit Card Scheme such as eligibility, documents required, objectives, benefits, how to apply for it, etc so that it will be easier for you guys to understand and apply for the scheme so be with us till the end of the article.

West Bengal Student Credit Card Scheme 2022

The Higher Education Department, Government of West Bengal has introduced the West Bengal Students Credit Card Scheme on 30 June 2021. Under this scheme, the state government will grant an education loan of Rs 10 lakhs at a very low-interest rate of 4 % per annum.

The state government will provide loans to students who wish to pursue secondary, higher secondary, madrasa, undergraduate, and postgraduate studies including professional degrees and other equivalent courses in any school, madrasa, college, university, and other affiliated institutions in India as well as outside India.

Students studying in various coaching institutions for appearing in different competitive examinations like Engineering, Medical, Law, IAS, IPS, WBCS, etc, can also avail of the benefits of this scheme. Students have to repay the loan within a period of (15) years of the loan being taken.

Objectives Of The WBSCC Scheme

The objectives of the West Bengal Student Credit Card Scheme are as follows:

• To encourage and help the students to pursue high education.
• Everyone has the right to education irrespective of their caste, community, and status. Students will be able to continue their higher education despite of their poor financial conditions.
• Under this scheme, the state government will provide a loan of Rs 10 lakhs at an interest rate of 4%.
• To increase the literacy rate and reduce the unemployment rate.

Key Points And Benefits Of The West Bengal Student Credit Card Scheme

• On 30 June 2021, the chief minister of West Bengal Mamata Banerjee launched West Bengal Student Credit Scheme.
• Under this scheme, the state government will grant a loan of Rs 10 lakhs at an interest rate of 4% to the students for their higher education.
• Students studying in classes 10 and 12 are eligible for this scheme.
• An applicant who are residing in West Bengal for at least 10 years is eligible to apply for this scheme.
• The state government will provide a credit card to the beneficiary through which the beneficiary can withdraw the amount of the loan.
• Applicants have to repay the loan amount within a period of 15 years.
• The benefit of this scheme can be availed till the age of 40 years.

Eligibility Criteria

The eligibility criteria for WBSCC Scheme are as follows:

• The applicant must be a permanent resident of West Bengal.
• Applicant must have resided in West Bengal for a period of at least 10 years.
• The upper age limit to apply for this scheme is 40 years

Documents Required For West Bengal Student Credit Card Scheme

The following documents are needed to apply for WBSCC Scheme:

• Aadhar card
• Residence certificate
• Age proof
• Ration card
• Income certificate
• Bank account details
• Mobile number
• Passport size photograph

How To Apply For West Bengal Student Credit Card Scheme?

To apply for the WBSCC Scheme follow the given steps:

• First of all, you have to visit the official website of the West Bengal student credit card scheme.

• On the homepage, you have to click on Student Registration.
• Then you will get 2 options select Institute In India and Institute outside India.
• Select one option.
• Now application form will open on your screen.
• Fill in all the details asked in the registration form such as:
  1. Applicant details.
  2. Current Education details of the applicant.
  3. Contact, etc.
• Now after filling in all the details click on register.
• Now a unique ID will generate and it will send to your registered mobile number.
• Using a unique id you can log in to the portal.
• Now go to the home and on the home page, you have to click on student login.
• Now enter the login credentials and click on login.
• Now student dashboard will be open on your device.
• You have to click on the application details.
• Then click on the edit loan application.
• Now application form will open on your screen.
• Fill in all the details asked in the application form such as:
  1. Personal details
  2. Present address details
  3. Permanent address details
  4. Course and income details
  5. Bank details of the student
• After filling in all the details click on save and continue.
• Now you have to upload the documents asked for in the application form such as:
  1. Latest color photograph of the student
  2. Latest color photograph of the co-applicant
  3. Signature of the student as specified
  4. Co-borrower address proof
  5. Signature of the overawe legal guardian
  6. Student’s Aadhar card
  7. Student PAN card or undertaking as specified
  8. Co-borrower PAN card or undertaking as specified
  9. Admission receipt of the institution
  10. Class 10th board registration certificate
• After uploading the documents click on save and continue.
• Now recheck all the details once again and then click on the submit application.
• A dialogue box will appear you have to click on yes if you want to confirm.
• Now you have successfully applied for the WBSCC Scheme.

How To Track Application Status Of The West Bengal Student Credit Card Scheme?

• First of all, you have to visit the official website of the West Bengal student credit card scheme.
• On the home page, you have to click on student login.
• Enter the login credentials and click on login.
• Now you have to click on the track application.
• Enter your applicant ID
• Click on the search
• Now the complete details of your application will be on your screen.

Online Application And Loan Sanction Process

• First of all, you have to visit the official website of the West Bengal student credit card scheme.
• On the homepage, you have to click on administrator login.
• Now select user type, enter user id, password, and captchacode.
• Then click on Login.
• Now the dashboard will be on your screen.
• You have to click on the application pending.
• Now MS Excel sheet containing all pending applications will be generated.
• To view this application you have to click on the view icon.
• Now you can download the following documents from this page:-
  1. Pan and Aadhar of the applicant
  2. Pan address proof of the co-borrower
  3. Course fee details
  4. Proof of admission of the applicant
• Now on the dashboard click on the application pending menu.
• Then click on the sanction loan icon of a particular application.
• Now you can either sanction a loan or reject the loan by application.

How To Do Institute Profile Submission?

• First of all, you have to visit the official website of the West Bengal student credit card scheme.
• On the homepage, you have to click on administrator login.
• Now login into the portal using your login credentials.
• You have to click on submit institution details.
• Submit the
• following details:
  • Name of institution
  • AISHE code
  • Aggregation details
  • Rank type
  • Rank
  • Affiliation details
  • Address of institution
  • State of institution
  • District of institution
  • Name of nodal officer
  • Designation of nodal officer
  • Email ID of nodal officer
  • PAN number of institutions
  • Tan number of institution
  • IFS code
  • Institution Bank name
  • Branch name
  • Account number
• After that, you have to upload the following documents
  • AISHE Certificate
  • Accreditation document
  • Rank document
  • Affiliation document
• At last click on submit details
• By following this procedure you can do an Institute profile submission.

Important Links

NOTE:- Stay connected to our website Yojanasarkari for information about any scheme related to Central Government and State Government scheme

FAQ