WB Student Credit Card 2022; Eligibility, Documents, Apply Online wbscc

Student Credit Card West Bengal 2022 wbscc.wb.gov.in Apply Online Link: The Government of West Bengal under the representation of a dynamic Chief Minister, Mamata Banerjee has yet again come up with a very helpful scheme for needy students who want to pursue further education. The Scheme is called “Students Credit Card Scheme“. On 30th June, she launched the scheme officially. Here in this article we will provide the full details of the new scheme introduced by the Government of West Bengal to help students. So the readers are requested to read the full article.

স্টুডেন্ট ক্রেডিট কার্ড স্কিম বাংলায় জানতে এখানে ক্লিক করুন.

Objectives of Student Credit Card Scheme

Every parent dreams about a bright future for their children. A bright future can be achieved only if the individual is educated and literate. Nowadays good quality education comes at a price which is next to impossible for some WB Student Credit Card 2021 who belong to the low income earning strata of the society. To pursue higher education according to one’s choice has become very expensive in today’s world.

banglar uchha siksha

এই প্রকল্পের আওতায় সর্বোচ্চ ১০ লক্ষ টাকা পর্যন্ত শিক্ষাঋণ দেওয়া হবে।

There are people and truly talented students who have to ability and wish to pursue higher education but have to stop because of monetary issues. To help these individuals and students the Government of West Bengal comes up with new schemes every now and then. These schemes introduced by the Government help the students to fulfill their wish of pursuing higher education.

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What is Student Credit Card Scheme?

The scheme is called West Bengal Student Credit Card Scheme and with the help of this scheme the students will be provided an educational loan up to 10 lakh rupees. All details of this scheme will be provided right here in this article. So students are requested to keep reading the article to avail and understand the benefits of this scheme. This scheme can be availed by all students residing in West Bengal from the last 10 years. Here in this article we will tell you about the WB Student Credit Card 2022, its benefits, eligibility criteria to apply for this scheme, required documents and application procedure.

A brief Outline of the Scheme

Scheme NameWB Student Credit Card Scheme
BeneficiaryStudents pursuing higher education
Department NameHigher Education Department (Uchha Shiksha)
AuthorityGovt of West Bengal
Maximum Loan10 Lakhs
Interest Rate4%
EligibilityStudents who want to pursue higher education or preparing for Entrance Exams
Student Credit Card Official Website Linkwww.wbscc.wb.gov.in
Mode of ApplicationOnline

The West Bengal Student Credit Card scheme has been launched under the supervision of the Chief Minister of West Bengal, Mamata Banerjee. With the help of this scheme a student studying in class 10 or above can apply for a loan up to 10 lakh rupees for the purpose of higher studies. The loan will be sanctioned to them at a very low rate of interest. After applying for the loan the students will be provided with a WB Student Credit Card which will help them later to withdraw the loan amount. The benefit of this scheme can be availed by students who have been residing in the state of West Bengal since the last 10 years. The students who wish to apply for this loan can use it for Graduation, post graduation, doctorate and post doctorate studies in and outside of India.

Mamta Banerjee Inaugurated Student Credit Card on Banglar Uchchashiksha Portal

The decision for the need for such a scheme was taken in a cabinet meeting on the 24th of June 2021 and the scheme was launched on the 30th of June 2021 with the purpose of helping the middle class and the lower middle class students for further education by providing an educational loan with a very minimum rate of interest. Students will be able to apply online for the Students Credit Card on Banglar Uchhashiksha Portal.

In order to discuss the action plan of this scheme meetings are being held with various educational organizations and institutes of west Bengal. An official order is expected soon from the Department of the higher education about the launch of the West Bengal Student Credit Card Scheme. This scheme was a part of the election manifesto made by the current chief minister of West Bengal, Mamata Banerjee. Here is a twitter post from AITC regarding the Scheme Launch:

Interest Rate:

Students who are studying in class X / XII or above can apply for this loan. The maximum amount of this loan is rupees 10 lakh. This loan is a collateral free loan with 4% rate of interest. This loan will be provided to the applicant without any security than the co-obligation of the parents. The students will have to first submit their applications which will then be sent to the bank by the Depart of Higher Education or Banglar Uchha Shiksha Department portal. The loan amount can be used for institutional as well as non institutional expenses.

What is the Loan Repayment Period for Student Credit Card Loan

The scheme was launched on 30th of June 2021 as a part of the election manifesto of Trinamool Congress. After applying for the loan, the students have 15 years of time to repay the loan back to the bank after they are employed. The benefit of this scheme can be availed up to 40 years of the applicant’s age. The procedure to apply for the loan has been made convenient for the students. The students will be able to apply for the WB Student Credit Card 2022 online keeping in mind the situation right now. 

The main objective of this scheme is to provide higher education to the low middle class and the middle class strata of the society by providing the students with a loan with very minimum rate of interest which can be paid after getting employment within a period of 15 years. With the help of this scheme we will also be able to reduce unemployment issue in the state. With more students getting higher education, we will be able to eradicate unemployment as well.

What are the Benefits of Students Credit Card Scheme – 9 Facts

  1. The Chief minister of West Bengal, Mamata Banerjee, has come up with a scheme for the students of West Bengal who are unable to pursue higher education because of monetary issues.
  2. The scheme is called West Bengal Student Credit Card Scheme.
  3. This scheme provides students with a loan amount up to 10 lacs.
  4. The students will be provided with a WB Student Credit Card which will help them to withdraw the loan amount.
  5. The loan will be given at a rate of 4%.
  6. It can be paid within a period of 15 years.
  7. Students residing in West Bengal since the last 10 years can avail this scheme.
  8. The loan amount can be used for graduation, post graduation, doctorate, post doctorate studies etc.
  9. After being employed the students will have to pay the loan amount within 15 years.

Eligibility for WB Students Credit Card Scheme

The eligibility criteria to avail this loan are as follows –

  • The applicant must be a permanent resident of West Bengal.
  • The applicant must be a resident of West Bengal since the last 10 years.
  • The upper age limit to apply for this loan is 40 years.

How to Apply for WB Student Credit Card Online @ banglaruchchashiksha.wb.gov.in

The application procedure of the loan scheme is online only. Government of West Bengal on the 30th of June 2021 has launched the WBSCC.wb.gov.in portal for this. Students can apply online through this portal for the WB Student Credit Card 2022. However, as the portal is under construction, students may find difficulty while applying online.

Step 1:

student credit card scheme for west bengal students online apply link official website how to wbscc.wb.gov.in

Step 2: Now, enter your details in the Registration form as shown below @ wbscc.wb.gov.in website such as:

  1. Applicant Name,
  2. Date of Birth,
  3. Gender,
  4. Aadhar Number,
  5. Program Details,
  6. State of Institution,
  7. Name of Institution.

Step 3: Now, click on the “Register” button to generate your User ID,

Step 4: Verify your mobile number with OTP that will be sent to your mobile number.

Step 5: Your Application ID & Password will be generated and will be sent to your email ID & Mobile Number.

Step 6: Now, visit the homepage of the WBSCC.wb.gov.in and click on the “Student Login” option shown in the below image.

Step 7: Enter your Application ID & Password. Finally enter the captcha code. Click on the “Login” button.

student credit card login 2021 option @ wbscc.wb.gov.in

Step 8: Now, will be able to fill up your educational details and print the application form as per the officials.

Students must visit the wbscc.wb.gov.in or banglaruchchashiksha.gov.in and click on the WB Student Credit Card link to Apply for the post. Detailed information and procedure to to apply online will be given once the portal is launched in full fledge.

Important Links

Apply Online for WB Student Credit Card SchemeClick Here
Banglar Uchchasiksha Student Credit Card Websitebanglaruchchashiksha.wb.gov.in
WB Student Credit Card Official Websitewbscc.wb.gov.in
Official Website of WB State on various schemeswww.wb.gov.in

Documents Required for Student Credit Card Registration in West Bengal

Before filling up online application form for WB Student Credit Card, go through the below list of documents. Collect all the documents beforehand and thereafter make online registration. These important documents are –

  • (a) Colour Photograph of the applicant
  • (b) Colour Photograph of the co-applicant / co-borrower
  • (c) Signature of the student
  • (d) Co-borrower / Guardian’s signature
  • (e) Student’s AADHAR Card
  • (f) Student’s Class 10th Board registration certificate
  • (g) Guardian’s Address Proof
  • (h) Admission Receipt
  • (i) Student’s PAN Card / undertaking if there is no PAN Card
  • (j) Guardian’s PAN Card / undertaking if there is no PAN Card
  • (k) Relevant page of the brochure / document detaining course fee / tuition fee

Helpline & Contact Details for Student Credit Card Scheme

If you are in trouble while filling up online application for student credit card scheme, then you may contact on the following helplines and reach the officials –

Toll Free Phone Number for Student Credit Card Helpline1800-102-8014
Email IDsupport.hed-wb@gov.in
Official Websitewww.wbscc.wb.gov.in
Student Registration LinkClick Here
Forget User ID / Reset Password for Student Credit Card PortalClick Here
Student Login LinkClick Here
Student Manual on How to ApplyDownload PDF

Also, if you have any question, comment below on this post.

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