West Bengal Student Credit Card Scheme 2024 – Apply Online, Eligibility

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.

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West Bengal Student Credit Card Scheme 2024

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 2021. 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, 2021

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 2023
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 2021
  • 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
Student
  • On the homepage, you are required to click on Student Registration
Student
  • 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
WB
  • 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
Administrator
  • 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
Student
  • 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
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
Student
  • 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
Download
  • 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

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

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