Introduction
The Student Credit Card Scheme launched by the Government of West Bengal is a financial initiative designed to reduce the financial burden on students and families. It enables students to pursue higher education in India or abroad without financial difficulties.
Launched on 30th June 2021, the scheme offers a collateral-free loan of up to ₹10 Lakhs at a nominal interest rate of 4% simple interest per annum. Students get a flexible repayment period of 15 years after securing a job.
Features and Benefits of Student Credit Card
- No guarantor required to avail the loan.
- Low interest rate of 4% simple interest per annum.
- Loan repayment period of 15 years after employment.
- Collateral-free loan up to ₹10 Lakhs.
How to Apply
Eligible students must register on the official WBSCC portal before submitting the online application. Follow the steps below:
Step 1
Visit the official WBSCC website: wbscc.wb.gov.in
Step 2
Click on “Student Registration” from the main menu.
Step 3
On the pop-up window, select “For institutions outside India”.
Step 4
You will be redirected to the application form at:
https://wbscc.wb.gov.in/Scc_Foreign/Applicant_Registration
Step 5
Fill in personal details such as name, address, date of birth, Aadhaar number, contact info, educational background, etc., and click “Register”.
Step 6
Log in using your Application ID and Password to complete the application. Upload the required documents.
Step 7
Verify all entered details and submit your application. Download and print the acknowledgment for future reference.
Documents Required
The applicant must have the following documents ready before starting the registration:
- Student’s colour photograph (20–50 KB)
- Co-borrower's colour photograph (20–50 KB)
- Student's signature (10–50 KB)
- Guardian's signature (10–50 KB)
- Student Aadhaar Card (PDF 50–400 KB)
- Class 10 Registration Certificate (PDF 50–400 KB)
- Guardian’s address proof (PDF 50–400 KB)
- Admission receipt (PDF 50–400 KB)
- Student PAN/undertaking
- Guardian PAN/undertaking
- Course fee brochure/document
Eligibility Criteria
- Applicant must be a resident of West Bengal for the last 10 years.
- Must be an Indian citizen.
- Must have passed Class 10.
- Age should be within 40 years.
- Loan must be used only for higher studies.
Loan Covers:
- Admission fees, coaching fees, institutional deposits
- Hostel or PG accommodation charges
- Library, laboratory, and exam fees
- Books, laptops, digital devices
- Study tours, project expenses, thesis submission
Frequently Asked Questions (FAQs)
What is the WBSCC Student Credit Card Scheme?
Students can avail loans up to ₹10 Lakhs for higher education in India or abroad.
What is the official website?
https://wbscc.wb.gov.in
Documents required?
Aadhaar Card, PAN Card, income proof, bank details, photographs, signature, etc.
Who is eligible?
Students residing in West Bengal for 10 years, aged below 40, and having passed Class 10.
What are the requirements for online application?
Birth certificate, address proof, student ID, PAN, Aadhaar, photograph, and other education-related documents.
Conclusion
The West Bengal Student Credit Card Scheme is a powerful initiative that enables thousands of students to pursue higher education without financial barriers.
For guidance on studying abroad under this scheme, contact Bluesky Education today.
“Education is the passport to the future — and financial support should never be a barrier.”
