West Bengal Student Credit Card Scheme 2024

West Bengal Student Credit Card Scheme – Almost every student wants to pursue higher education but due to poor financial conditions, there are many students who are not able to fulfill their dream of getting higher education. In order to ensure the availability of higher education among all students, the government launches various kinds of schemes. Today we are going to tell you about a scheme launched by the West Bengal government called the WB Student Credit Card Scheme. Through this scheme, students will be provided loans for higher education. By reading this article you will grab all the required information regarding this scheme like what is the West Bengal student credit card. its objective, benefits, features, eligibility criteria, required documents, application procedure, etc.

The chief minister of West Bengal Mamata Banerjee has launched the West Bengal Student Credit Card Scheme. The decision to launch this scheme was taken in a state cabinet meeting which was held on 24th June 2024. Through this scheme students studying in class 10th or above can take a loan up to Rs 10 lakh for higher studies. This loan will be available to them at a very low rate of interest. For availing of the benefit of this loan, students will be provided a credit card. With the help of this credit card, students can withdraw the amount of the loan. All those students who have been living in West Bengal for the last 10 years can take benefit from this scheme. Under this scheme, loans can be availed for undergraduate, postgraduate, doctoral, and postdoctoral studies in India or abroad.

West Bengal Lakshmi Bhandar Scheme

I am delighted to announce that GoWB has launched the #StudentCreditCard today.

To make the youth of Bengal self-reliant, the Scheme shall provide a loan of up to ₹10 Lakh with an annual simple interest. (1/2)— Mamata Banerjee (@MamataOfficial) June 30, 2024

Details Of WB Student Credit Card 2024

Name Of The Scheme	West Bengal Student Credit Card
Launched By	Government Of West Bengal
Beneficiary	Students Of West Bengal
Objective	To Provide Loans For Higher Education
Official Website	https://wbscc.wb.gov.in/
Year	2024
Amount Of Loan	Upto Rs 10 Lakh
Repayment Period	15 Years After Getting Job
State	West Bengal
Application Type	Online/Offline

Objective Of West Bengal Student Credit Card Scheme

The main objective of the West Bengal Student Credit Card is to provide loans to students for higher education. Through this scheme loans up to Rs, 10 lakh will be provided to students which will help them to pursue their higher education without thinking about the financial burden. Now each and every student of West Bengal will be able to get higher education. This scheme will also reduce the unemployment rate among the citizens of West Bengal as now more students will be able to get education and employment.

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Benefits And Features Of West Bengal Student Credit Card

The chief minister of West Bengal Mamata Banerjee has launched West Bengal Student Credit Card Scheme
Through this Scheme, students will be provided educational loans up to Rs 10 lakh for higher studies
The decision to launch this scheme was taken in a state cabinet meeting which was held on 24 June 2024
Students studying in class 10th or above will be able to take benefit of this scheme
The loan provided through this scheme will be available at a very low rate of interest
In order to get the number of loans students will be provided a credit card
Through this credit card, students can withdraw the amount of loan
All those students who are living in West Bengal for the last 10 years can take benefit of this scheme
West Bengal Student Credit Card can also be availed for undergraduate, postgraduate, doctoral, and postdoctoral studies in India or abroad
This scene was a part of the election manifesto of Trinamool Congress
The benefit of this scheme can avail till 40 years of age
After getting job students to have to repay the amount of the loan within a period of 15 years

Eligibility Criteria

The applicant must be a permanent resident of West Bengal
Applicant must be living in West Bengal for a period of at least 10 years
The upper age limit to apply for this scheme is 40 years

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Required Documents To Apply

Aadhar Card
Residence certificate
Age proof
Ration card
Income certificate
Bank account details
Mobile number
Passport size photograph

How to Apply Online for West Bengal Student Credit Card Scheme

Registration

First of all, go to the official website of the West Bengal student credit card scheme
The home page will open before you

On the homepage, you are required to click on Student Registration

The registration form will appear before you
You have to enter the following information in the registration form:-
- Applicant name
- Date of birth
- Gender
- Aadhar number
- Program type
- Program name
- State of institution
- District of institution
- Name of institution
- Mobile number
- Email ID
- Password etc
After that, click on the register
Now unique ID will generate and it will send to your registered mobile number
This user ID will use as a user ID for all future purposes

Login

Now you are required to click on the student login

After that, you have to enter the application ID, password, and captcha code
Now you have to click on the login
Applicant dashboard will appear before you
Now you have to click on the application detail
After that you have to click on the edit loan application
The application form will appear before you
You have to enter the following details in this application form
- Personal details
- Co borrower details
- Present address details
- Permanent address details
- Course and income details
- Bank details of the student
Now you have to click on save and continue
After that, you have to upload the following 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
Now you have to click on save and continue
A new page will appear before you
You have to click on the submit application
After that, a dialogue box will appear before you asking you if you want to confirm to submit or not
You have to click on yes
By following this procedure you can apply under the West Bengal student credit card scheme

Administrator Login

Go to the Official Website of the West Bengal student credit card scheme
The home page will open before you
Now you have to click on Administrator login

After that you have to select your user type
Now you have to enter your user id, password and captcha code
After that you have to click on login
By following this procedure you can do administrator login

Procedure To Do Student Login

First of all, go to the official website of the West Bengal student credit card scheme
The home page will open before you
Now you click on student login

Login form will appear before you
You have to enter applicant ID, password and captcha code
After that you have to click on login
By following this procedure you can do student login

Student Dashboard

First of all, go to the official website of the West Bengal student credit card scheme
The home page will open before you
Now you are required to click on student login

After that you have to enter applicant ID, password and captcha code
Now you have to click on login
After that you have to click on dashboard
By following this procedure you can view student dashboard

Procedure To Track Application

Go to the official website of the West Bengal student credit card scheme
The home page will open before you
On the homepage click on student login

Now you have to enter your applicant ID, password in captcha code
After that you have to click on login
Now you have to click on track application
After that you have to enter your applicant ID
Now you have to click on search
Required information will be on your computer screen

Download Training Manual

Visit the official website of the West Bengal student credit card scheme
The home page will open before you
Now you are required to click on user manual
After that you have to click on training manual
Training manual will appear before you in PDF format
You have to click on the download option in order to download it.

Procedure To Download User Manual Of Student

First of all, go to the official website of the West Bengal student credit card scheme
The home page will open before you
On the homepage you are required to click on downloads
After that you have to click on user manual of student

User manual will appear before you in PDF format
You have to click on the download option in order to download it

User Manual Of Institutions

Go to the official website of the West Bengal student credit card scheme
The home page will open before you
Now you are required to click on downloads
After that you have to to click on user manual of institutions

The user manual of institution will appear before you in new tab
If you want to download it then you are required to click on download option
User manual will be downloaded in your device.

Procedure To Download User Manual Of HED

Visit the official website of the West Bengal student credit card scheme
The home page will open before you
On the homepage you are required to click on downloads
After that you have to click on user manual of HED

A new page will appear before you
On this new page you have to click on the download option
User manual of HED will be downloaded in your device.

Download User Manual Of Bank

First of all, go to the official website of the West Bengal student credit card scheme
The home page will open before you
Now you are required to click on downloads
After that you have to click on User Manual of Bank

User manual will appear before you in PDF format
Now you have to click on download option
User manual of bank will be downloaded in your device.

Online Application And Loan Sanction Process

Visit the official website of the West Bengal student credit card scheme
The home page will open before you
On the homepage you are required to click on administrator login

Now you have to select your user type
After you have to enter your user id, password and captcha code
Now you have to click on login
A dashboard will appear before you
Now you have to click on application pending option
Now a new page will appear before you
On this new page and MS Excel sheet containing all pending applications will be generated
You can download it by clicking the download excel button which is present at the top right for class
In order to view this application you have to click on view icon
A new page will appear before you
You can download the following documents from this page:-
- Pan and Aadhar of applicant
- Pan address proof of the co borrower
- Course fee details
- Proof of admission of the applicant
Now you have to click on the application pending menu of the dashboard
After that you have to click on sanction loan icon of a particular application
From here you can either sanction loan or reject the loan by application on loan sanction or loan reject button respectively

If the loan is sanctioned

If the loan is sanctioned then a new page will appear before you
On this new page you have to enter the sanction amount in numeric and words
Now you have to upload copy of sanction letter
After that you have to click on submit

If the loan is rejected

If the loan is rejected click on reject loan option
Now we have to select the rejection cause from the drop down menu
After that give benchmark for parameters in birds as per your bank norms
After that you have to click on submit

Procedure To Do Institution Profile Submission

First of all, go to the official website of the West Bengal student credit card scheme
The home page will open before you
On the homepage you are required to click on administrator login

Now you have to select your user type
After that you have to enter your user id, password and captcha code
Now a new page will appear before you
On this new page you have to click on submit institution details
Now you have to enter the following details:
- Name of institution
- AISHE code
- Aggregation details
- Rank type
- Rank
- Affiliation details
- Address of institution
- State of institution
- District of institution
- Name of nodal officer
- Designation of nodal officer
- Email ID of nodal officer
- PAN number of institutions
- Tan number of institution
- IFS code
- Institution Bank name
- Branch name
- Account number
After that you have to upload the following documents
- AISHE Certificate
- Accreditation document
- Rank document
- Affiliation document
Now you have to click on submit details
By following this procedure you can do Institute profile submission

Approve The Application by HED

Go to the official website of the West Bengal student credit card scheme
The home page will open before you
Now you are required to click on administrator login

After that you have to select the user type
Now you have to enter your user id, password and captcha code
After that you have to click on login
Now you have to click on verify application
Now you have to click on view application
A dialogue box will appear with the photograph and the application with forward, return, view and track button
You have to click on the view button in order to check all the details of the applicant
If all the details are found correct then you have to click on forward option
Now a confirmation page will appear before you
You have to click on yes option
Now this application will be forwarded to bank
Now you have to change the status so that user can view the status of forwarded application to the bank
If the application is found in correct then you have to click on return button to send it to the head of the institution

View Contact Details

Go to the official website of the West Bengal student credit card scheme
The home page will open before you
On the homepage click on contact us

A new page will appear before you
On this new page you can view contact details

Contact Details

Through this article, we have provided you with all the important information regarding the West Bengal student credit card scheme. If you are still facing any kind of problem then you can contact a helpline number or write an email in order to solve your problems. The helpline number and email ID is as follows:-

Helpline Number- 18001028014
Email Id- contactwbscc@gmail.com, support-wbscc@bangla.gov.in