West Bengal Student Credit Card Bank List: The West Bengal Student Credit Card Scheme is a revolutionary initiative by the Government of West Bengal to support students in achieving their educational dreams without financial barriers. Under the visionary leadership of Mamata Banerjee, the Hon’ble Chief Minister of West Bengal, this scheme aims to provide financial assistance to students pursuing secondary, higher secondary, undergraduate, postgraduate, and professional courses.
The scheme also covers students preparing for competitive exams like Engineering, Medical, Law, IAS, IPS, and WBCS. To ensure seamless implementation, the West Bengal Student Credit Card Bank List includes State Cooperative Banks, Central Cooperative Banks, District Central Cooperative Banks, and Public/Private Sector Banks. This article provides a detailed overview of the scheme, its objectives, benefits, application process, eligibility criteria, required documents, interest rates, and helpline numbers.
What is the West Bengal Student Credit Card?
The West Bengal Student Credit Card is a financial aid program introduced by the Higher Education Department, Government of West Bengal. It offers students an education loan of up to Rs. 10 lakhs at a low-interest rate of 4% per annum. The loan can be used to fund studies in schools, madrasahs, colleges, universities, and coaching institutions within and outside India. The scheme is designed to ensure that no student is deprived of education due to financial constraints.
Objective of the West Bengal Student Credit Card
The primary objective of the West Bengal Student Credit Card Scheme is to make education accessible to all students, regardless of their financial background. By providing loans at affordable interest rates, the scheme aims to:
- Encourage students to pursue higher education and professional courses.
- Reduce the dropout rate due to financial difficulties.
- Support students preparing for competitive exams.
- Empower students to achieve their career goals without financial stress.
Benefits of the West Bengal Student Credit Card
The West Bengal Student Credit Card offers numerous benefits to students:
- Low-Interest Rate: The loan is available at a simple interest rate of 4% per annum.
- Interest Concession: Borrowers who service the interest during the study period receive a 1% interest concession.
- High Loan Amount: Students can avail of a loan of up to Rs. 10 lakhs.
- Flexible Repayment: The repayment period is 15 years, including a moratorium period.
- Wide Coverage: The loan covers studies in schools, colleges, universities, and coaching institutions within and outside India.
- No Collateral: The loan does not require any collateral or security.
- Age Limit: The upper age limit for applicants is 40 years, making it accessible to a wide range of students.
West Bengal Student Credit Card Bank List
- THE WEST BENGAL STATE CO-OPERATIVE BANK
- BALAGERIA CENTRAL CO-OPERATIVE BANK LIMITED
- BANKURA DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
- BIRBHUM DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
- BURDWAN CENTRAL CO-OPERATIVE BANK LTD.
- DARJEELING DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
- DAKSHIN DINAJPUR DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
- HOOGHLY DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
- HOWRAH DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
- JALPAIGURI CENTRAL CO-OPERATIVE BANK LTD.
- MALDA DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
- MUGBERIA CENTRAL CO-OPERATIVE BANK LTD.
- MURSHIDABAD DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
- NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
- PURULIA CENTRAL CO-OPERATIVE BANK LTD.
- RAIGANJ CENTRAL CO-OPERATIVE BANK LTD.
- TAMLUK GHATAL CENTRAL CO-OPERATIVE BANK LTD.
- VIDYASAGAR CENTRAL CO-OPERATIVE BANK LTD.
- BANK OF BARODA
- BANK OF INDIA
- CANARA BANK
- CENTRAL BANK OF INDIA
- INDIAN OVERSEAS BANK
- INDIAN BANK
- PUNJAB NATIONAL BANK
- STATE BANK OF INDIA
- UCO BANK
- UNION BANK OF INDIA
- AXIS BANK
- FEDERAL BANK
- HDFC BANK
- ICICI BANK
- IDBI BANK
- UTTAR BANGA KSHETRIYA GRAMIN BANK
- BANGIYA GRAMIN VIKASH BANK
- PASCHIM BANGA GRAMIN BANK
West Bengal Student Credit Card Apply Online 2025
Applying for the West Bengal Student Credit Card is a simple and hassle-free process. Students can apply online through the official portal of the Higher Education Department, Government of West Bengal. Here’s a step-by-step guide to the application process:
- Step 1: Visit the Official Website
- To begin your application, visit the official website of the West Bengal Student Credit Card Scheme:
- https://wbscc.wb.gov.in/
- Step 2: Student Registration
- On the homepage, click on the “Student Registration” option.
- You will be presented with two options:
- Studying in India
- Studying Abroad
Choose the option that applies to you.
- Step 3: Fill in the Basic Details
- Once you select your study location, the application form will appear. Fill in the required details carefully:
- Basic Details
- Applicant Name: Enter your full name as per official documents.
- Date of Birth: Provide your date of birth in the specified format.
- Gender: Select your gender (Male/Female/Other).
- Aadhaar Number: Enter your 12-digit Aadhaar number.
- Present Course of Study: Mention the course you are currently pursuing.
- Programme Type: Select the type of program (e.g., Secondary, Higher Secondary, Undergraduate, Postgraduate, etc.).
- Programme Name: Enter the name of your program or course.
- State of Institution: Select the state where your institution is located.
- District of Institution: Choose the district of your institution.
- Name of Institution: Enter the full name of your school, college, or university.
- Contact Details
- Mobile Number: Provide a valid mobile number for communication.
- Email ID: Enter your active email address.
- Step 4: Create a Password
- After filling in the details, create a strong password for your account. Make sure to remember this password, as it will be required for future logins.
- Step 5: Complete Registration
- Click on the “Register” button to complete the registration process. Once registered, you will receive a Registration ID. Note this ID, as it will be required for logging into your account.
- Step 6: Student Credit Card Login
- To log in to your account and proceed with the application, follow these steps:
- Visit the official login page:
https://wbscc.wb.gov.in/Applicant_Login - Enter your Applicant ID and Password.
- Click on “Login”.
- Step 7: Fill in the Application Form
- After logging in, you will be directed to the student credit card dashboard. Here’s how to proceed:
- Click on the “Apply Now” option.
- Fill in the following sections with accurate details:
- Personal Details
- Provide your personal information, including your name, date of birth, and gender.
- Co-borrower Details
- Enter the details of your co-borrower (parent or guardian), including their name, relationship, and contact information.
- Present Address Details
- Provide your current residential address.
- Permanent Address Details
- Enter your permanent address. If it is the same as your present address, you can check the box stating “Same as Present Address.”
- Course & Income Details
- Mention the details of your course, including the duration and fees.
- Provide income details of your co-borrower or guardian.
- Bank Details
- Enter your bank account details, including the account number and IFSC code.
- Provide the bank details of your co-borrower (if applicable).
- Step 8: Upload Required Documents
- After filling in the application form, you will need to upload the following documents:
- Applicant’s Documents
- Photograph of the applicant
- Signature of the student
- Aadhaar Card
- PAN Card
- Age proof (e.g., birth certificate or Class 10 mark sheet)
- Last qualifying exam certificate or result
- Co-borrower’s Documents
- Photograph of the co-borrower
- Signature of the co-borrower
- Address proof (e.g., Aadhaar Card, utility bill)
- PAN Card
- Documents Issued by the Institution
- Admission receipt
- Prospectus or certificate from the institution mentioning fees (admission fee, examination fee, hostel charges, etc.)
- Step 9: Save and Submit the Application
- After uploading the documents, click on “Save & Continue” to proceed.
- Review all the details carefully to ensure accuracy.
- Click on “Submit” to finalize your application.
- Once submitted, you will receive an Application Number. Note this number, as it will be required to check the status of your application.
- Step 10: Application Verification and Approval
- After submission, your application and documents will be verified by the concerned authorities.
- If any discrepancies are found, you may be asked to provide additional information or documents.
- Once the verification is complete and your application is approved, the loan amount will be disbursed directly to your educational institution.
West Bengal Student Credit Card Documents Required
To apply for the West Bengal Student Credit Card, students need to submit the following documents:
- Proof of Identity: Aadhaar Card, Voter ID, or Passport.
- Proof of Address: Aadhaar Card, Utility Bill, or Rental Agreement.
- Educational Certificates: Mark sheets and certificates of the last qualifying examination.
- Admission Proof: Admission letter from the educational institution or coaching center.
- Bank Account Details: Bank passbook or canceled cheque.
- Passport-Sized Photograph: Recent photograph of the applicant.
- Income Proof: Income certificate of the parent or guardian (if applicable).
Student Credit Card West Bengal Eligibility Criteria
To be eligible for the West Bengal Student Credit Card, applicants must meet the following criteria:
- Residency: The applicant must be a resident of West Bengal.
- Age Limit: The applicant’s age should not exceed 40 years at the time of application.
- Educational Qualification: The applicant must have secured admission to a recognized educational institution or coaching center.
- Course Coverage: The loan covers secondary, higher secondary, undergraduate, postgraduate, and professional courses, as well as competitive exam coaching.
- Financial Need: The applicant should demonstrate a genuine need for financial assistance.
West Bengal Student Credit Card Loan Interest
The West Bengal Student Credit Card offers loans at a simple interest rate of 4% per annum. This low-interest rate makes the scheme highly attractive to students. Additionally, borrowers who service the interest during the study period are eligible for a 1% interest concession. The repayment period is 15 years, including a moratorium period, which provides students with ample time to complete their education and secure a job before starting repayment.
West Bengal Student Credit Card Helpline Number
For any queries or assistance regarding the West Bengal Student Credit Card Scheme, students can contact the helpline number provided by the Higher Education Department, Government of West Bengal. The helpline number is available on the official portal and is operational during working hours. Students can also visit the nearest branch of the State Cooperative Bank or affiliated banks for further assistance.
Conclusion
The West Bengal Student Credit Card Scheme is a game-changer for students in West Bengal. By providing financial support at low-interest rates, the scheme ensures that students can pursue their educational dreams without worrying about financial constraints. With a simple online application process, flexible repayment options, and wide coverage of courses, the scheme is a boon for students from all walks of life. For more details, students can refer to the official portal or contact the helpline number. The West Bengal Student Credit Card Bank List includes State Cooperative Banks, Central Cooperative Banks, District Central Cooperative Banks, and Public/Private Sector Banks, ensuring that students have access to financial assistance across the state.
This initiative by the Government of West Bengal reflects its commitment to empowering students and building a brighter future for the state. If you are a student in West Bengal, don’t miss this opportunity to secure your educational future with the West Bengal Student Credit Card. Apply today and take the first step toward achieving your dreams!