West Bengal Government Student Credit Card: Education can be expensive, especially for students from middle or lower-income families. But what if the government helps you with a loan to complete your higher studies? The West Bengal Government Student Credit Card Scheme is a brilliant step by the West Bengal Government to support students in pursuing their dreams without worrying about money.
This blog post explains everything about this scheme in simple words — what it is, benefits, how to apply, interest rate, eligibility, and how to check the application status.
What is West Bengal Government Student Credit Card?
The West Bengal Government Student Credit Card is an education loan scheme launched by the Government of West Bengal on 30th June 2021. Under this scheme, students can get a loan of up to ₹10 lakhs at just 4% simple interest per annum to pursue higher studies in India or abroad.
The loan can be used for tuition fees, hostel charges, books, study materials, laptops, and more. This credit card is valid for students up to the age of 40 years, and repayment starts after one year of course completion or after getting a job—whichever is earlier.
Objective of West Bengal Government Student Credit Card
The main objective of this scheme is to:
- Provide financial assistance to students for higher education.
- Reduce the drop-out rate due to financial issues.
- Help students pursue professional, technical, and academic courses.
- Encourage youth empowerment and skill development.
Helpful Summary West Bengal Government Student Credit Card
| Feature | Details |
|---|---|
| Loan Amount | Up to ₹10 Lakhs |
| Interest Rate | 4% Simple Interest |
| Repayment Period | 15 Years |
| Eligibility | Class 10 Pass, < 40 years, WB Resident |
| Age Limit | Up to 40 Years |
| Collateral Needed | No |
| Application Mode | Online |
| Moratorium | 1 Year After Course / Job |
| Courses Covered | UG, PG, Doctoral, Technical, Abroad |
| Official Website | https://wbscc.wb.gov.in |
West Bengal Government Student Credit Card Benefits
Here are some of the key benefits of the scheme:
- 💳 Loan of up to ₹10 Lakhs
- 📉 Only 4% Simple Interest per annum
- ⌛ 15 Years Repayment Time (from the date of disbursement)
- 🎓 Covers education in India and abroad
- 👨👩👧👦 Co-borrower is a parent or legal guardian
- 🧾 No need for collateral security
- 🖥️ Online application system – fast and easy
Eligibility Criteria
To apply for the West Bengal Student Credit Card, the student must meet the following criteria:
- Must be a resident of West Bengal for at least 10 years.
- Must have passed Class 10 or equivalent.
- Age must be less than 40 years at the time of application.
- Should be enrolled in higher education (graduate, postgraduate, doctoral, professional courses) in India or abroad.
- One person can apply only once under this scheme.
Required Documents
Here is the list of documents you need while applying:
- Recent Passport Size Photograph
- Aadhaar Card of the student and co-borrower
- PAN Card of the student and co-borrower
- Residential Address Proof (Electricity Bill, Ration Card, Voter ID, etc.)
- Class 10 Admit Card or Birth Certificate
- Admission Proof (Fee receipt, admission letter)
- Bank Passbook (student or co-borrower)
- Income Certificate (if required by the bank)
- Signature of student and co-borrower (scanned)
How to Apply Online for West Bengal Government Student Credit Card
Follow these easy steps to apply online:
Step 1: Visit the Official Website
Go to the official portal of the West Bengal Student Credit Card Scheme.
🔗 https://wbscc.wb.gov.in
Make sure you are on the official government website. You’ll see the homepage with registration and login options.
Step 2: Click on “Student Registration”
On the top menu or homepage, click on the “Student Registration” link.
This will take you to a new registration form where you need to enter your basic details.
Step 3: Fill in the Registration Form
You must enter the following information carefully:
- Full Name (as per academic records)
- Mobile Number (for OTP and communication)
- Email ID (for verification and alerts)
- Create a secure password
- Select your district and institution from the drop-down list
🔐 Tip: Use a valid email and mobile number that you actively use. All important notifications will be sent there.
Step 4: Complete Registration
After filling in the form, double-check the details.
Click on the “Register” or “Submit” button.
You will receive an OTP on your mobile for verification. Enter it to confirm your registration.
Step 5: Log In with Your Credentials
Once registered, go back to the homepage.
Click on “Student Login” and enter your:
- User ID (usually your registration number or email)
- Password (created during registration)
Click Login to access your dashboard.
Step 6: Fill the Loan Application Form
After login, click on “Apply for Student Credit Card”.
You’ll be taken to a detailed loan application form where you need to enter:
- Personal Information (Name, DOB, Gender, Aadhar)
- Academic Details (Current institution, course, duration, year)
- Loan Requirement (Amount needed, purpose)
- Bank Details (Student or parent account)
- Co-Borrower Details (Parent/legal guardian)
📌 Note: All fields marked with * must be filled. Keep your documents ready to avoid errors.
Step 7: Upload Required Documents
You will now be asked to upload scanned copies of the required documents:
- Passport size photo (JPEG, less than 50KB)
- Signature (JPEG, less than 50KB)
- Aadhaar, PAN, Birth Certificate/Class 10 admit card
- Admission proof, income proof, and bank passbook
📎 Make sure each document is clear and within the size limits specified.
Step 8: Final Submission
After verifying all entered information and uploaded documents:
- Click on the “Submit Application” button.
- A Unique Application ID will be generated. Note this ID down carefully.
- You will also receive a confirmation SMS/email.
Step 9: Institute Verification
Your application will now be sent to your respective educational institution.
The institute will verify:
- Your admission details
- Academic course and documents
- Your eligibility
If everything is valid, they will digitally approve your application.
⏳ This process may take a few days depending on the institution.
Step 10: Bank Processing
Once your application is verified by the institute:
- It will be forwarded to the bank for loan approval.
- The bank may contact you or your parent for verification.
- If approved, the loan amount will be disbursed as per the need — directly to the institution or into your account.
Important Tips:
- Keep checking your dashboard and registered email/SMS for updates.
- If your institute delays verification, follow up with the administrative office.
- Ensure your bank details and documents are correct to avoid rejection.
How to Check West Bengal Government Student Credit Card Application Status
You can check the status of your application by following these steps:
- Go to 🔗 https://wbscc.wb.gov.in
- Click on “Student Login”
- Enter your registered User ID and Password
- Go to Application Status
- Your current application status will be shown on screen
West Bengal Student Credit Card Interest Rate
- Interest Rate: 4% simple interest per year
- If female students repay on time, they may get 1% interest rebate
- Repayment Time: 15 years
- Moratorium Period: 1 year after completing the course or getting a job
Contact Details
If you face any problems, contact:
- Helpline Number: 1800-102-8014 (Toll-Free)
- Email ID: [email protected]
- Official Website: https://wbscc.wb.gov.in
Can I apply after 40 years of age?
No, the upper age limit for applying is 40 years.
Is there any subsidy for girls?
Girls may get a 1% interest rebate if they repay the loan on time.
Can I use the loan to buy a laptop?
Yes, the loan amount can be used for educational gadgets like laptops.
How many times can I apply?
Only once per student is allowed under this scheme.
Final Words
The West Bengal Government Student Credit Card Scheme is a golden opportunity for students who want to study further but are facing financial problems. With a low-interest loan, long repayment period, and easy online application, this scheme can make your dreams come true.
If you’re eligible, don’t wait — apply now and secure your future!