West Bengal Student Credit Card 2025

The West Bengal government launched a Student credit card system on June 30, 2021. The government initiated the program to make it easier for students to obtain loans. The scheme was announced with a fixed limit of 10 lakh INR that can be used by students to pay their education fees.

Mamata Banerjee, the current Chief Minister of West Bengal, promised this West Bengal Students' Credit Card during the assembly elections. While the West Bengal Department of Higher Education has yet to issue a formal message on the subject, sources say that concerned officials already had many online sessions with colleges to discuss the new plan. Since the WBCHSE results 2021 is likely to be announced on July 31, 2021, hence the government has selected an ideal moment to begin the WB student credit yojna.

West Bengal Student Credit Card Scheme Details

Here are the key highlights about the West Bengal student credit card scheme:

This initiative will also help lower the unemployment rate in West Bengal, as more students will be able to obtain both education and jobs as a result of it.

West Bengal Student Credit Card Eligibility Criteria

Students in Class 10 and higher are eligible to participate in this program. However, this card will only be available to students who have lived in the state for at least 10 years. Students have to be under the age of 40 at the time they apply for the loan.

Key Benefits

Here are all the major benefits that you can get from this scheme:

• For students in West Bengal, a credit card plan has been introduced to offer them hassle-free and Collateral-free loans with a minimal simple interest rate of 4% up to a maximum of ten lakh rupees
• Students will be given a credit card that can be used to withdraw the loan amount
• In India or abroad, the West Bengal Student Credit Card can be used for undergraduate, postgraduate, doctoral, and postdoctoral education
• This loan can be used for both institutional and non-institutional expenses such as hostel fees or rent, laptop purchases, and study tours or projects
• Students will have 15 years to repay the loan under the arrangement. A student or their parent or the legal guardian can pay back the loan amount at any moment before the deadline. Early repayment also saves you money because the Bank won't charge you any processing fees
• A 1% interest concession will be given if a student pays all of the interest during the study time
• Banks will not seek any tangible or intangible security or collateral security other than co-Obligation of parents or legal guardians under this plan

Important Documents for WB Student Credit Card

Here are all the documents required to register at West Bengal Student Credit Card Scheme official website:

• Coloured photographs of the student applying
• Coloured photographs of the co-borrower or the co-applicant
• Student’s signature
• Signature of the guardian or the co-borrower
• aadhaar card of the student
• 10th Board’s registration certificate of the student applying
• Address proof of the guardian
• Admission Receipt of student
• PAN Card of the student or the undertaking if the student does not have a PAN
• PAN card of the guardian or the undertaking if the guardian does not have a PAN
• Relevant documentation or brochure page detailing the tuition fee or all the other added fees of the chosen course

Registration Process for West Bengal Student Credit Card Scheme

Here is the registration process to be followed to apply via the student credit card scheme official website:

• Open the official West Bengal Student Credit Card Scheme website
• Click on the ‘Student Credit card’ option from the homepage
• Click on the Student Registration option
• Fill in all the details required in the available spaces to register successfully
• After filling in all the details, click on the Register button for generating user ID and password
• You can then use the same user ID and password to log into your account
• Apply for the WB Credit Card Scheme after the Login

Here is how to log in after registering yourself to the official website:

• Click on the student login option
• Enter the application ID, password, and captcha code, and then click on the login option
• Click on application detail from the opened dashboard
• Click on the Edit Loan application option; an application form will open up
• Enter all the essential details as required in the application form, including the personal details, co-borrower's details, present and permanent address, course and Income details, and the student’s bank details
• Click on Save and Continue and then move further to upload all the required documents as listed above
• Click on Save and Continue again, and a new page will open up
• Click on Submit application option
• A dialogue box will pop up, asking whether to confirm to submit or not, then click Yes
• You can apply for a West Bengal student credit card by following this approach

Customer Support Contact Details

If you are having trouble, you can Call a helpline number or send an email to get support. The following is the helpline number and email address:

Helpline Number: 18001028014

Email Id: support-wbscc@bangla.gov.in, contactwbscc@gmail.com

Frequently Asked Questions (FAQs)

1. What is the reason behind introducing this scheme in West Bengal?

A. During the pandemic, the unemployment rate in West Bengal increased. As a result, the state administration of West Bengal took this step to maintain control.

2. How many times can I submit an application for the WBSSC Student Credit Card?

A. So far, the government has not imposed any limits on the number of attempts, so you can apply as many times as you wish.

3. What is the minimum income needed for a student credit card?

A. Because students are unlikely to have a source of income, banks have introduced student credit cards, which are designed specifically for students and do not require a source of income. An existing Fixed Deposit account can be used to apply for a credit card for a student.

4. Is it possible for any of the students to have multiple student credit cards?

A. Because a student will not have an active Credit Score and a credit card will be issued against an already existing fixed deposit, they will not be able to have several student credits cards.

5. For the purposes of the SCC program, who will be regarded as a West Bengal resident?

A. If the student or his family has been staying in West Bengal for at least 10 years before the application date, they will be deemed a resident of the state under this plan.

6. Is there any document that must be given as proof of residence throughout the application process?

A. As proof of residence, the student's self-declaration in the approved format accessible in the online application form will be accepted.

7. Is there an item-by-item spending limit on the loan approved under the SCC scheme?

A. A maximum of 20% of the total loan sanctioned can be used for living expenses for the duration of the course, and a maximum of 30% of the total loan sanctioned can be spent on non-institutional expenses, including living costs for the full course of study.