Student Credit Card (WBSCC)

 What is a student credit card from West Bengal?

The West Bengal student credit card conspire was presented by the Advanced education Branch of the West Bengal government in June 2021 to assist understudies with chasing after advanced education without getting troubled by monetary obstacles. Similar to the state government's other education programs, this one aims to help meritorious, low-income students gain access to high-quality education.

 Students in the state of West Bengal have access to collateral-free loans totaling 10 lakh to support their education through the use of the government's student credit card. The interest rate is another benefit that students can take advantage of by using this program. Students can get loans at interest rates that aren't more than 4% per year on a simple basis.

 How Do I Apply for a Student Credit Card in West Bengal?

 The West Bengal student credit card application process is basically a two-stage process. To begin, you would need to sign up as a student on the appropriate state government portal. You will not be permitted to apply online for a student credit card from the government of West Bengal until the registration process has been completed successfully. Here is a bit by bit guide that you can use to apply for the student credit card.

How to Add Yourself as a Student

We should initially make a glance at the strides that you would need to follow to get yourself enrolled as a student.

•Stage 1: Search website www.wb.gov.in or https://banglaruchchashiksha.wb.gov.in and click on the 'STUDENT CREDIT CARD' tab. On the other hand, you can likewise visit this connection - https://wbscc.wb.gov.in and click on the 'Enrollment OF STUDENT' choice.

• Stage 2: Fill the structure with your fundamental subtleties, for example, your name, date of birth, orientation, Aadhaar number.

• Stage 3: Enter the name, state and locale of the establishment alongside the program's name and type.

• Stage 4: Enter your contact subtleties like your versatile number and email ID.

• Stage 5: Make areas of strength for an and return something very similar.

• Stage 6: Snap on 'Register' to finish the enrollment cycle.

• Stage 7: You should now confirm the solicitation by entering the OTP shipped off your enrolled number.

When the enlistment is finished, an exceptional ID will be produced and shipped off you on your telephone. This ID will be utilized for all further correspondence connected with the West Bengal student credit card.

 Moves toward Apply Online for a Student Credit Card from the West Bengal Government

 Now that you've been enrolled as a student, now continue to apply for the credit card on the WB Student Credit Card Entrance. The means that you would need to follow are recorded beneath.

• Stage 1: Visit the West Bengal student credit card entrance on https://wbscc.wb.gov.in/.

• Stage 2: Continue to login by entering your enrollment number, secret word and the Manual human test gave.

• Stage 3: Whenever you're signed, within proper limits your enlistment number, name and contact subtleties showed on the dashboard.

• Stage 4: Snap on the 'Apply Now' choice to apply for a credit.

• Stage 5: Fill in the individual subtleties mentioned like student's name, father's name, mother's name, co-borrower or legitimate gatekeeper's name, portable number, date of birth, standing and most elevated capability, among others.

• Stage 6: In the event that you don't have an Aadhaar card or Dish card, you would have to choose 'No' against something very similar. For this situation, you will be expected to download, fill and present an Endeavor Report.

• Stage 7: Fill in the co-borrower's subtleties like their occupation, standing and address, among others.

• Stage 8: Enter your present and long-lasting location subtleties, for example, your home number, PIN code, state and gathering.

• Stage 9: Enter your course subtleties, for example, the course expense, the extended period of initiation of the review and how much credit expected, among others.

• Stage 10: Fill in your bank subtleties as well as that of the co-borrower, for example, the IFSC, branch name and the name of the bank in which advance has been applied.

• Stage 11: Assuming you wish to roll out any improvements to the application, click on the 'Alter Credit Application' tab on the left-hand side.

• Stage 12: In the event that you don't wish to roll out any improvements, basically click 'Save and Proceed'.

• Stage 13: Transfer every one of the filtered supporting reports including hued photos and marks of the candidate and co-borrower, Aadhaar card (tenth standard pass declaration to be transferred in the event that Aadhaar isn't accessible), co-borrower's location evidence and affirmation receipt.

• Stage 14: Approve the application and snap on 'Save and Proceed'.

• Stage 15: Audit the application subtleties and snap on 'Submit Application'.

• Stage 16: Affirm your accommodation demand.

The Advanced education Branch of West Bengal, post confirmation of the application, will advance something very similar to the bank for credit card issuance and endorsing of the credit. The bank will then, at that point, issue an actual card according to the RBI rules.

Here's something that you ought to be aware. To keep away from errors, the student credit card entrance will be kept up with by both the instruction division and the Nodal Officials of the individual financial establishments.

 Who Can Profit from a Student Credit Card of West Bengal?

The student credit card presented by the West Bengal government is intended to help students who have passed Class IX and are hoping to seek after advanced education. Since the plan offers guarantee free advances of up to ₹10 Lakhs at extremely low yearly loan fees, students who have monetary troubles can gigantically benefit from it.

The student credit card advance that you profit can be utilized to deal with your instructive costs and other non-institutional costs, for example, inn expenses, instructive journeys, off-grounds lease and course projects.

Qualification Models and Records Expected for a West Bengal Student Credit Card

 It is essential to know about the qualification measures and the rundown of records you really want to submit to apply for a student credit card in West Bengal. This can assist you with finishing the application interaction a lot quicker and forestall pointless dismissals.

Qualification Measures for a West Bengal Student Credit Card

• You should be an Indian public as well as an inhabitant of West Bengal throughout the previous 10 years or more, at the hour of use.

• You ought to have finished your Class IX training from any of the perceived Sheets in West Bengal.

• You should be enlisted for higher examinations in India or abroad.

• You probably taken confirmation in a school, madrasa, universities, college or different foundations like IITs, IIMs, IISc, IIESTs, ISIs, NLUs, AIIMSs, NITs, XLRI, Pieces, SPA, NID, IIFTs, ICFAI Business college and so on, or in a training establishment to get ready for cutthroat assessments like Designing, Clinical, Regulation, IAS, IPS, WBCS, or SSC, among others.

• You ought not be over 40 years of age.

 Records Expected for a West Bengal Student Credit Card

• A hued photo of the candidate

• A hued photo of the co-candidate/co-borrower

• Enrollment declaration for Class 10 Board (without even a trace of Aadhaar card)

• Co-borrower's Aadhaar Card.

• Official archive from the organization with course subtleties, for example, course expense/educational expense.

•  Affirmation Receipt

• Candidate's Container Card or the endeavor structure accessible in the entry (if no Skillet).

• Co-borrower's Skillet Card or the endeavor structure accessible in the entry (if no Dish).

•  Pay endorsement

Notwithstanding the abovementioned, you might try and be expected to present a couple of different reports for confirmation too.

 Instructions to Track Application Status for WB Student Credit Card

Advances against student credit cards in West Bengal can be effortlessly followed by visiting the authority site. All that you require to do is basically, visit the accompanying connection - https://wbscc.wb.gov.in/and sign in by entering your enrollment number, secret word and the Manual human test. On the dashboard, you will actually want to see your credit status.

Assuming there is any error in the credit application, the foundation will return the application to you. You can tap on the 'Alter Credit Application' to check and resubmit your application.

What is the Interest Rate and Reimbursement Period for WB Student Credit Card?

By utilizing the West Bengal student credit card, you can get an advance of up to ₹10 lakhs at a basic financing cost of 4% per annum. For young lady students, there's an extra concession of around 0.5% per annum, which brings the loan cost down to simply 3.5% per annum. Likewise, there is a 1% interest concession in the event that the reimbursement of the credit is begun during the time of study itself.

All students benefiting the plan are qualified for a one-year ban or reimbursement occasion from the hour of finish of the course or from the hour of work, whichever is prior. The reimbursement time frame for a West Bengal student credit card is 15 years including the one-year ban reimbursement occasion.

 Here's something that you ought to be aware. You may apply for the student credit card loans through Central Cooperative Banks, State affiliated Cooperative Banks, District Central Cooperative Banks, and Private or  Public Sector Banks.

 Student Credit Card Customer Care Number

 In the event of any issues with your West Bengal student credit card application or advance, you can contact the state helpline number on 1800 102 8014 (complementary). If needed you can likewise send an email to contactwbscc@gmail.com or support-wbscc@bangla.gov.in, referencing the specific idea of your concern exhaustively. Do take note of that you would have to cite your student credit card enlistment number while making any card related demand.

Significant Focuses to Recollect

There are a couple of things that you might to remember before you continue to online application for a student credit card from the West Bengal government. Here is a brief glance at a couple of the key pointers.

• You can utilize around 20% of the advance for everyday costs over the span of the review.

• On account of government organizations, the most extreme sum that you can guarantee as everyday costs is covered at ₹2 Lakhs for the whole course of study.

• You can spend up to 30% of the credit sum for non-institutional costs throughout the review.

• On account of government foundations, the most extreme sum that you can guarantee as non-institutional costs is covered at ₹3 Lakhs for the whole course of study.

• Course costs, for example, educational expenses and different costs will be dispatched straightforwardly to the organization's ledger.

• You can utilize the card to concentrate on both in India as well as abroad.

• Marks isn't an assessment rule for the West Bengal student credit card conspire.

• The student credit card isn't adaptable.                

• On the off chance that the card is harmed, you can connect with the responsible bank for a substitution card.

• There is no pay roof to apply for a WB student credit card.

• It is obligatory to apply for the student credit card advance mutually with an enlisted co-borrower.

For Registration as a student click here.

For log in as student click here.

# how to apply for student credit card in west Bengal.

# Who is eligible for student credit card in WB?

# How to get West Bengal Govt student credit card?

#How to apply for student credit card.

#how to apply for student loan.

Source : https://wbscc.wb.gov.in/