Collateral security free loan up to ₹10 Lakhs
  • West Bengal

The applicant should be

resident of West Bengal

The applicant's age should be

above 18 years or more

Welcome to



Implemented through The West Bengal State Co-operative Bank, Its affiliated Central Co-operative Banks / District Central Co-operative Banks and other recognized Public / Private Sector Banks

To provide hassle free and collateral security free Loan to the Students, belonging to West Bengal, with nominal simple interest for a maximum amount of Rs. 10.00 Lakhs to the Students pursuing studies within
and Outside the State of West Bengal or abroad.

Maximum amount of loan available is Rs. 10.00 Lakh.


Hassle free and collateral security free loan from the Banks.
Maximum credit limit of the Student Credit Card is Rs.10.00 Lakhs.
A nominal simple interest rate of 4%.
If the interest is fully serviced within the study period, there will be a rebate of 1% interest rate.

PURPOSE (Cont’d)

B. Non-Institutional Expenses:
Fees required for accommodation in College/ University / H.E Institute hostels
Rent / License fee for living outside hostel, or expenses for living as Paying Guest.


Following expenses will be met:
A. Institutional Expenses:
Course fee payable to College/University/ H.E. Institute (includes
tuition fees, examination fees, library fees, etc)
Fees for Caution Deposit


➢Student should be an Indian National. The student or his family should be a resident of West Bengal for last 10 years.
➢ Student must get himself enrolled for studying in class X / Higher Secondary

West Bengal Student Credit Card Scheme 2021: Apply Online, Eligibility & Benefits



Under the visionary leadership of Mamata Banerjee, Hon’ble Chief Minister, West Bengal, The Higher Education Department, Government of West Bengal has introduced the Student Credit Card Scheme for the students of West Bengal to enable them to pursue education without having any financial constraints. This scheme is designed to support the students to pursue secondary, higher secondary, madrasah, undergraduate and post graduate studies including professional degree and other equivalent courses in any School, Madrasah, College, University and other affiliated institutes within and outside India. Students studying in various coaching institutions for appearing in different competitive examinations like Engineering, Medical, Law, IAS, IPS, WBCS etc, can also avail the loan under this scheme. A student from West Bengal can obtain a maximum loan of Rs. 10 lakhs @ 4% per annum simple interest from the State Cooperative Bank and its affiliated Central Cooperative Banks and District Central Cooperative Banks and Public/ Private Sector Banks. 1% interest concession will be provided to borrower if the interest is fully serviced during the study period. The upper age limit for the interested students has been kept as 40(forty) years at the time of applying for loan. The repayment period shall be fifteen (15) years for any loan availed under this Credit Card including the Moratorium/ repayment holiday. For details kindly go through the Scheme given in this portal.

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