West Bengal Government Student Credit Card Scheme 2021 Apply on Oficial website wbscc.wb.gov.in

West Bengal Government Student Credit Card Scheme 2021 apply on wb student credit card website. West Bengal Government student credit card scheme is a great initiative taken by West Bengal Chief Minister Mamata Banerjee. WB student credit card Scheme 2021 facilitating education loans up to Rs. 10 lakh for each student for higher studies with the state government as its guarantor. Student One can avail of the benefit of the scheme from Class X onwards.

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What is West Bengal Government Student Credit Card Scheme 2021

West Bengal Government Student Credit Card Scheme is one of the best financial assistance scheme for students who want to higher studies. West Bengal Chief Minister Mamata Banerjee announced a new scheme for students of West Bengal Named WB Student Credit Card as promised in ” Didir Dosh Ongikaar”. WB Student Credit Card Scheme has Officially launched on June 30, 2021. This Credit Card Scheme was approved in the cabinet meeting.

The CM also include the new Krishak Bandhu scheme has already been updated, it will enable the farmers to get Rs 10,000 per year. Students will get this loan in consideration duration of 15 years to repay the loan amount after they complete their education and gets a job. The loan applicant must be a resident of West Bengal for at least 10 years to avail of the benefits. The upper age limit for the eligibility of this scheme is 40 years.

WB Govt student credit card Scheme Update

West Bengal Government Student Credit Card scheme officially launched on 30th June 2021. Details Notice regarding this scheme has been published on West Bengal Student Credit Card Scheme Official Site. for more updates on West Bengal student credit card scheme 2021 stay on our page. State Infos always try their best to give you proper information.

Chief Minister says “Earlier, the parents used to sell off their property to fund higher studies of their children, but no more they have to do it now. Parents need not have to worry anymore as the project will be launched from June 30.” In another quote about WB Govt student credit card Scheme, she said
“From professional courses, diploma to post-graduation and PhD and post-doctoral courses, they can pursue their dream with the help of this credit card with a limit of Rs 10 lakh,” the CM said. “It is a soft loan for the students,” she said, adding that the students can refund the money within a period of 15 years.

West Bengal Government Student Credit Card Scheme Details

Name of SchemeWest Bengal Government Student Credit Card Scheme 2021
StateWest Bengal Govt
BeneficiariesStudents of West Bengal from Class X onwards
Type of SchemeSoft loan for Student / Student Credit Card
WB student credit card websitewbscc
Credit AmountRs. 10 lakh
Interest Rate4%
Repay Periodwithin a period of 15 years after getting a Job
Registration / Application Processfollow the full article
West Bengal Government Student Credit Card Scheme

Did your Teacher wants to get transfer in his own district ? Inform him About new Scheme of West Bengal Govt for transfer of your teacher – Utsashree Scheme Portal

What is the Objective Of the West Bengal Government Student Credit Card Scheme

The main objective of the West Bengal Government Student Credit Card Scheme is to provide financial assistance to students for higher education as well as study abroad. This scheme gives Credit up to Rs, 10 lakh to students who want to pursue their higher education without taking any financial burden. Chief Minister thinks that this credit card scheme may reduce the unemployment rate among the citizens of West Bengal as it reduces the financial burden.

West Bengal Government Student Credit Card Eligibility Criteria

To apply for WB Govt student credit card Applicant should fulfil the following criteria

  • Students are resident of West Bengal
  • One can avail of the benefit of the scheme from Class X onwards
  • Upper Age Limit to get Benefit 40 Years
  • He or she has to be a resident of Bengal for 10 years or above.
  • The loan can be taken to undertake studies at the Graduation, Post-Graduation and post-doctoral level
  • The facility will also be available for those who will pursue any diploma course and undertake research work
West Bengal Student Credit Card Eligibility Criteria

Benefits of West Bengal Government Student Credit Card

  • The chief minister Mamata Banerjee has launched West Bengal Student Credit Card Scheme for Students.
  • Students get a credit up to Rs 10 lakh from the banks without personal guarantor, as the state government will provide the guarantee.
  • This scheme was taken in a state cabinet meeting which was held on 24 June 2021
  • The loan provided through this scheme will be available at a very low rate of interest approx. 4%
  • Students who are living in West Bengal for the last 10 years can take benefit of this scheme.
  • Student are in undergraduate, postgraduate, doctoral, and postdoctoral studies in India or abroad will also take the benefit of West Bengal Government Student Credit Card Scheme 
  • Students can refund the money within a period of 15 years after getting a job.
  • Allotted for 12 lakh and 9.5 lakh students in Class X and XII levels and others.

Have you applied for any scholarship scheme ? If not you can check Swami Vivekananda Scholarship 2021

WB Govt student credit card Definitions

  • (a) “Academic year” means the annual period during which academic instructions are provided to the students generally commencing from 1st of July, every year.
  • (b) “Bank” for the purpose of this Scheme means the State Co-operative Banks or Central Co-operative Banks or District Central Co-operative Banks or any other Public and private sector Banks, as may be determined and notified by the State Government from time to time.
  • (c) “College” includes a Private self-financing College.
  • (d) “Course fee” includes tuition fees, examination fees, library fees, caution deposits etc., to be charged by the School, College, University, or Institution in which the student concerned is receiving academic instruction.
  • (e) “Credit Card” for the purpose of this scheme shall mean a physical plastic card issued by the Bank against which the holder i.e., the student borrower can avail specific financial services on credit up to a specific amount at some specific rate of interest upon executing an appropriate loan agreement.
  • (f) “Institute” means an institution imparting secondary/ higher secondary level education and above in any branch of Study.
  • (g) “Legal guardian” means a person having been in charge of a student (in absence of his Father and Mother,
  • including stepfather and stepmother) lawfully, as permitted under the personal law of inheritance and succession of the student concerned or some other person declared as such, by any competent court of Law in India.
  • (h) “Living expenses” means an expense incurred by a student for living outside from his residence during the course of study.
  • (i) “Professional course” includes the courses done in medicine, surgery, engineering, architecture, law, business, economics, accountancy, physiotherapy, psychology, technology, education, etc. which are recognized by any statutory authority in India constituted as such under any Central or State enactments or any
  • the statutory authority of any other Country.
  • (j) “Resident of West Bengal” means a student, or his parent or legal guardian is residing in West Bengal at least for a period of 10 (Ten) years preceding the date of application made under this scheme.
  • (k) “School” means school providing secondary and higher secondary education and includes private schools under the administrative control of the boards/ councils active in the State of West Bengal.
  • (l) “Student” means a student pursuing education from class 10 onwards from a recognized Board active in the State of West Bengal or studying in various coaching Institutes or pursuing undergraduate/ postgraduate
  • degree or professional or diploma courses including research scholar pursuing doctoral or post-doctoral research studies.
  • (m) “State Government” means the Government of West Bengal in the Higher Education Department.
  • (n) “University” includes Private Universities and Deemed Universities.

West Bengal Government Student Credit Card Loan Amount

The Loan amount for West Bengal Government Student Credit Card scheme is Rs. 10 Lakh. The loan applicant must be a resident of West Bengal for at least 10 years to avail of the benefits. The upper age limit for the eligibility of this scheme is 40 years. The Loan amount can be repaid within 15 years after getting a job.

Interest Rate Under West Bengal Government Student Credit Card Scheme

In the West Bengal student credit card scheme, students can avail a hassle-free and collateral-free loan with a nominal interest of 4% annual interest.

List of Documents For West Bengal Government Student Credit Card Scheme

  • Residential Certificate
  • Class X Certificate
  • Class XII Certificate
  • PAN Card
  • Aadhaar Card
  • Income certificate
  • Bank account details
  • Mobile number
  • Passport size photograph

Have You Linked your West Bengal Digital Ration Card with Aadhaar ? If not do the same taking guide – How to Link Aadhar with WB Digital Ration Card

West Bengal Government student credit card scheme apply online

Application Process of WB Govt student credit card are as follows

WB student credit card website
  • To Complete west Bengal student Credit Card First of all, go to the WB Govt student credit card official website of the West Bengal student credit card scheme
  • The main home page of WB Student Credit Card will be displayed.
  • On the Right Upper Corner Hover your mouse on “Student Registration”.
  • Student Registration form will open
  • Fill the Basic Details
    • Applicant Name
    • Date of Birth
    • Gender
    • Aadhaar Number
  • Fill Details Present Course of Study
    • Programme Type
    • Programme Name
    • State of Institution
    • District of Institution
    • Name of Institution
  • Put Your Contact Details
  • Set your Password for login in to West Bengal Student Credit card Portal
  • Click on Registration Button
  • Enter OTP on next page which you have received on your mobile.
  • 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 application. This unique id will be used as user id for all future purposes.

How To Submit West Bengal Student Credit Card Application

  • First of all, go to the WB student credit card website of the West Bengal student credit card scheme
  • Click On student login
  • Enter your application ID, password, and captcha code received in your mobile or E mail
  • Applicant Dashboard for Wb Govt Student Credit Card will Open
  • Name, Registration no. and contact number will appear, which the student need to checkout
  • To apply for the loan, please click on “Apply Loan” on Dashboard.
  • On the next page You have to enter the following details in this application form
  • Personal details
    • Student Name
    • Name Of Father
    • Name of Mother
    • Legal Guardian Name
    • Gender
    • Cast
    • Aadhaar
    • Last Qualification
    • PAN No.
  • Co borrower details
    • All Details related to Co borrower
  • Present Address Details
  • Permanent Address Details
  • Course and Income Details
  • Bank Details of the Student
  • Bank Details of Co borrower
  • Click On Save & Continue.
  • On next Step You have to upload necessary Documents.
    • Latest color photograph of the student
    • Latest color photograph of the co-applicant
    • Signature of the student as specified
    • Co borrower address proof
    • Signature of the overawe legal guardian
    • Student’s Aadhar card
    • Students PAN card or undertaking as specified
    • Co borrower PAN card or undertaking as specified
    • Admission receipt of the institution
    • Class 10th board registration certificate
  • Click on save and continue Button
  • A new page will appear Showing the Following Details
    • Name of the student
    • Scanned photo with signature of the student
    • Scanned photo with signature of the co-borrower
    • Details of the qualifying examination
    • Details of the Present Course of study
    • Option to view the personal details
    • Option to view the uploaded documents
  • Review all the fields, edit if necessary (EDIT button is one the left panel). Once the student is fully satisfied with the details fed, he/she needs to press Submit Application
  • A dialogue box will appear before you asking you if you want to confirm to submit or not
  • You have to click on yes to Complete the Process.
  • You have successfully applied West Bengal Student Credit card

West Bengal Government Student Credit Card Scheme Student Login Process

  • First of all, go to the official website of the West Bengal student credit card scheme
  • Click On student login
  • Put Application ID
  • Password
  • Captcha
  • Click Login

Administrator Login Process for WB Govt student credit card

  • First of all, go to the official website of the West Bengal student credit card scheme
  • The home page will open before you
  • Now click on Administrator login
  • Select your user type
  • Enter your user id, password and captcha code
  • click on login

Procedure To Track Application

  • Go to the official website of the West Bengal student credit card scheme
  • Student Credit Card Home Page Will Open
  • On the homepage click on student login
  • Now you have to enter your applicant ID, password in captcha code
  • Hover mouse into login
  • Click track Application
  • Click Search

Institution Profile Submission Process

  • Go to the official website of the West Bengal student credit card scheme
  • Student Credit Card Home Page Will open
  • Click on administrator login
  • Select your user type
  • After that you have to enter your user id, password and captcha code
  • Click on submit institution details
  • Now you have to enter the following details:
    • Name of institution
    • AISHE code
    • Aggregation details
    • Rank
    • Rank type
    • State of institution
    • Address of institution
    • District of institution
    • Affiliation details
    • Designation of nodal officer
    • Email ID of nodal officer
    • PAN number of institutions
    • Tan number of institution
    • IFS code
    • Institution linked Bank name
    • Branch name of Above Bank
    • Account number of the Institution
  • After that you have to upload the above documents
  • Now you have to click on submit details

West Bengal Student Credit Card Scheme Student User Manual

West Bengal Student Credit Card scheme pdf Important Documents Download

West Bengal Student Credit Card scheme pdfDownload
Student Credit Card Scheme Gazette NotificationClick Here
WBSCC Training Manual For Students in EnglishClick Here
WBSCC Training Manual For Students in BengaliClick Here
User Manual for Institution Click Here
User Manual for HEDClick Here
User Manual of BankClick Here
West Bengal Student Credit Card Related all Question AnswerClick Here
State & Institutional Help Desk No.Click Here

WB student credit card website Official

WB Govt student credit card Help Line Number

Did You Know ? West Bengal Credit Card Scheme Already have announced before Bengal Election 2021. In TMC Manifesto 2021 or popularly Known As “Didir Dosh Ongikar“. Let Take A look Of 10 Promises made by Mamata Banerjee

Didir Dosh Ongikar

1. Ojosro sujog – Somridhho Bangla

  • Fifth largest economy with GDP size of ₹12.5 Lakh Crore and annual per capita income of more than ₹2.5 Lakh
  • 35 lakh people uplifted to reduce people below poverty line to 5% from 20% in 2011
  • 5 Lakh new jobs per year to be created to halve the unemployment rate

2. Proti Poribarke Nyunotomo Mashik Aay

  • A new scheme to ensure monthly Basic Income support to female heads of 1.6 Crore households of Bengal- monthly ₹500 to families of General Category (Yearly ₹6,000) and ₹1,000 to families of SC/ST (Yearly ₹12,000)

3. Arthik Sujog, Shobol Jubo

  • To make Bengal’s youth self-reliant, a new scheme for all eligible students – Student Credit Cards with credit limit up to ₹10 lakh at an interest rate of 4%

4. Banglay Shobar, Nishchit Ahar

  • New facility under Khadya Sathi – No need to go to the ration shop anymore. Free doorstep delivery of monthly ration to 1.5 Crore households.
  • 75 Crore subsidised meals at ₹5 per meal through 2,500 ‘Maa’ Canteens across 50 cities.

5. Bordhito utpadon, Sukhi Krishok

  • ₹10,000 per acre support to be provided to 68 lakh small and marginal farmers every year under the Krishak Bandhu Scheme
  • To be the number 1 State in Net Sown Area and Cropping Intensity by adding 3 lakh hectares of cultivable land and converting 4.5 lakh hectares to double cropping system respectively
  • To be in top 5 States in productivity for food grains and four cash crops – Tea, Jute, Potato and Tobacco

6. Shilponnoto Bangla

  • Additional 10 lakh MSMEs to be added every year to increase the total number of functional MSME units to 1.5 cr
  • 2,000 big industrial units to be added to the existing base of 10,000 units in the next 5 years
  • ₹5 lakh crore of new investments in the next 5 years

7. Unnototoro swasthya byabostha, sushtho Bangla

  • Double the spending on Health from 0.83% to 1.5% of the State GDP
  • Medical College-cum-Super Speciality Hospital in all 23 district headquarters
  • Double the number of seats for – doctors, nurses, and paramedics

8. Egiye rakhte, shikkhito Bangla

  • Increase the spending on Education from 2.7% to 4% of the state GDP
  • Each block to have at least one Model Residential School
  • Double the number of seats for teachers’ training

9. Shobai pai, matha gonjar thaai

  • 5 lakh additional low cost houses to be built under Banglar Bari Scheme in urban habitations to reduce slum population from 7% to 3.65%
  • 25 lakh additional low cost houses to be built under Bangla Awas Yojana in rural areas and reduce kutcha houses to less than 1%

10. Proti ghore bidyut, sodok, jol

  • Piped drinking water facility to be provided to additional 47 Lakh households to ensure 100% coverage; up from 26%
  • 24×7 electricity at affordable rates to all households
  • Every rural household to be connected with all weather roads, a functional drainage system and piped drinking water

Source of Didir Dosh Ongikar

FAQ’s of WB Govt Students Credit Card Scheme

What is the limit of WB Students Credit Card Scheme?

The amount limit under this credit card is Rs.10 Lakh.

Is there any guarantee required for taking Education Loan under this scheme?

No, you can take without guarantee loan of Rs.10 Lakh

What is the period in which the applicants should repay the student education loan in return?

15 years

What is the Interest Rate of West Bengal Student Credit Card Scheme

4%

Who are eligible for the student loan provided by the West Bengal government for higher studies?

The students should be pursuing their Under Graduate, Post Graduate, Doctoral, or Post-Doctorial Courses in India or Abroad to apply for this scheme.

What is the official website of West Bengal Student Credit Card Scheme

  1. https://wbscc.wb.gov.in/
  2. https://banglaruchchashiksha.wb.gov.in/

Helpline no of West Bengal Student Credit Card

State Help Desk no. of the SCC scheme is18001028014 (Toll free)
Support mail ID: [email protected]

Other West Bengal Government Schemes


  • Aikyashree Scholarship Scheme
  • Akanksha Scheme
  • Amar-Fasal, Amar-Gola Scheme
  • Anandadhara Scheme
  • Gatidhara Schem
  • Geetanjali Scheme
  • Jal Dharo Jal Bharo Scheme
  • Kanyashree Scheme
  • Karmashree Scheme
  • Karmatirtha Scheme
  • Lokprasar Prakalpo Scheme
  • Madhur Sneha Scheme
  • Matir Katha Scheme
  • Muktidhara Scheme
  • Nijo Griha Nijo Bhum Scheme
  • Nirmal Bangla Scheme
  • Pathasath Scheme
  • Pran Dhara Scheme
  • Pratyasha
  • Sabar Ghare Alo
  • Sabooj Sathi
  • Samajik Mukti
  • Sech Bandhu
  • Shikshashree
  • Shilpa Sathi
  • Shishu sathi
  • Sufal Bangla
  • Yuvasree

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