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

Visit official website for the Higher Education Department https:// banglaruchchashiksha.wb.gov.in or https://wb.gov.in and click on tab STUDENT CREDIT CARD or visit https://wbscc.wb.gov.in

What is the help desk number relating to SCC scheme? Is there any support mail ID?

Yes, the student will get an SMS in her/his registered mobile number

The following documents are to be uploaded at the time of filling up of online
formColoured photograph of the applicant (should be in .jpeg / .jpg and 50 kb at maximum and 20 kb at minimum); Coloured photograph of the co-applicant / co-borrower (should be in .jpeg / .jpg and 50 kb at maximum and 20 kb at minimum); Signature of the student (should be in .jpeg / .jpg and 50 kb at maximum and 10 kb at minimum); Co-borrower / Guardian’s signature (should be in .jpeg / .jpg and 50 kb at maximum and 10 kb at minimum); Student’s AADHAR Card (should be in .pdf and 400 KB at maximum and 100
KB at minimum); Student’s Class 10 Board registration certificate (if no AADHAR card) (should be in .pdf and 400 KB at maximum and 100 KB at minimum); Guardian’s Address Proof [preferably AADHAR Card] (should be in .pdf and 400 KB at maximum and 100 KB at minimum); Relevant page of the School/Institution brochure/document detailing the course fee/tution fee(should be in .pdf and 400 KB at maximum and 100 KB at minimum);
Admission Receipt (should be in .pdf and 400 KB at maximum and 100 KB at
minimum); Student’s PAN Card or undertaking in prescribed format (available in the portal), if no PAN. The uploaded document should be in .pdfformat and of 400 KB size at maximum and 100 KB at minimum); Guardian’s PAN Card or undertaking in prescribed format (available in the portal), if no PAN (should be in .pdf and 400 KB at maximum and 100 KB at minimum);

No. There is no need to furnish the copy of domicile certificate and Caste certificate.

If the student or his family is residing in the State of West Bengal at least for a period of 10 (Ten) years preceding the date of application, she/he shall be considered as a resident of the State under this scheme. Self-declaration by the student as per approved format available in the online application form will be accepted as a proof of residence.

You can directly contact the Help desk of your Institution or may also contact the State Help Desk (Toll free no. 18001028014, Support mail ID: supportwbscc@bangla.gov.in) Other Support WBSCC Customer Care Number : 9570091981

The loan can be utilized for meeting the cost of the following itemsCourse fees payable to the School/College/ University / Professional Institutes/ coaching institute where the student is enrolled for appearing in entrance examination for admission in medical/engineering/law courses or for appearing  in UPSC/PSC/SSC etc . This will include tuition fee, fees payable for caution deposit/ building fund /refundable deposit/examination/library/laboratory fees to be supported by Institution’s bills/ receipts. Fees required for accommodation in hostel or rent/ license fees payable for living outside the hostel or fees required for living as a Paying Guest. Cost of purchasing books/ Computer/ Lap-top/ Tablet/ equipments etc.
Any other expense required to complete the course such as study tours, project works, thesis etc #West #Bengal #Student #Credit #Cards

Minimum eligibility to apply for the loan under the scheme is Class IX passed from any of the recognized Boards which are active in West Bengal. The applying student is also to be enrolled in Class X or for 10+2 or higher education in any course in any recognised Higher Education Institution or in a coaching institute for appearing in entrance examination for admission in medical/engineering/law courses or for competitive examinations like UPSC/ PSC/SSC etc. for availing loan under SCC scheme. The applying student or his family has to be a resident of the State of West Bengal at least for a period of 10 (Ten) years preceding the date of application.

a)Up to 20% of the total loan sanctioned can be used as living expenses for the entire duration of the course and
b)there shall be an upper ceiling of expenditure up to 30% of the total loan sanctioned for non-institutional expenses including the living cost for the whole course of study.

No, there is no need for obtaining any NOC from the institution

Yes, you are eligible if you are enrolled in classes X-XII in a school affiliated to any of the recognized Boards active in West Bengal or for higher studies including professional courses in any recognized Higher Education Institution or in a coaching institute for appearing in entrance examination for admission in medical/engineering/law courses or for competitive examinations like UPSC/ PSC/SSC etc. within or outside West Bengal but within India and your family is residing in West Bengal at least for last 10(ten) years at the time of application under the SCC scheme.

Can I avail the loan for meeting up the cost towards the course fee of next academic year/semester if I can’t pass all the papers in the previous academic year/semester?
Yes, you can apply, but within the ceiling of the sanctioned amount.

Do I have to furnish my scorecard/ marksheet/performance card to the bank after each semester for availing the subsequent loan installments? The student availing loan under SCC scheme has to submit their documents as per bank requirement.

Can a final year student apply for the Student’s Credit Card Scheme? Yes, a student can apply for loan under SCC scheme anytime during the course.

Am I eligible to apply for the Student’s Credit Card Scheme if I am a resident of any other State in India?
No. This scheme is applicable only for students whose families are residents of West Bengal at least for last 10(ten) years at the time of application.

Yes, students studying outside India are also eligible to apply for the SCC scheme.

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