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While the need for educating oneself is higher than ever, accessing quality education can be difficult due to the expenses associated with it. Hence, the Government of West Bengal has formulated the Student Credit Card Scheme that can help students with financial support. You can acquire this credit at a very nominal interest rate and kickstart your dream career with top-notch education and guidance. 

Features and Benefits

Here’s why you should apply for this credit card as a student in West Bengal and make the most of it:

Available for Multiple Age Groups

The scheme is open to students up to the age of 40 years

Students from Various Fields can Apply

Available for undergraduate, post-graduate, madrasah, secondary, and higher secondary education students, and students pursuing competitive examinations for engineering, law, medicine, etc. 

Low Interest Rate

A maximum loan amount of up to ₹10 Lakhs is available at an annual interest of 4%. 

Available for Abroad Applicants

Available for students who wish to study abroad. 

Long Loan Period

Loan tenure of up to 15 years (including moratorium period).

Eligibility Criteria and Documents Required


You must meet the following eligibility criteria to qualify for this scheme:

  • Maximum Age: 40 years

  • Nationality: Indian

  • Primary Location: West Bengal (minimum 10 years)

  • Education Status: Enrolled in a national or international educational institution

  • Other Requirements: Mandatory co-borrower/legal guardian


Ensure that the following documents are readily available to you during the application process:

  • Complete the student registration form

  • Complete the student application form

  • Duly filled and signed declaration form

  • Passport-size colour photograph (applicant and co-borrower)

  • Virtual signature (applicant and co-borrower)

  • Applicant’s Aadhaar Card and PAN Card

  • Applicant’s 10th Grade Board Certificate

  • Co-borrower/Guardian’s address proof



Note: Additional documents pertaining to your educational background, identity proof, address proof, etc. may be asked by the bank or the scheme representative. Please make sure that you speak to the respective entity about all the documents that need to be submitted. 


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How to Apply for the Student Credit Card Scheme in West Bengal

Once you have thoroughly read the scheme documents and other literature, you can proceed with the application process by following these steps:

Registration Process

  • Visit the official website of the West Bengal Government

  • Navigate to the “Student Credit Card” tab

  • Select the ‘Registration of Student’ option

  • Fill out the form correctly and click on ‘Register’


You will receive a unique student’s user ID which you can use for any functions related to this scheme in the future. 

Application Process

  • Go to the official website for the West Bengal Student Credit Card Scheme (WBSCC)

  • Use the student user ID and password to log in

  • Click on ‘Apply Now’

  • Complete the student application form 

  • Fill out the co-borrower’s application form 

  • Upload all documents in the size and dimensions stated on the website

  • Submit the application

How to Track Your Application Status

After your application has been successfully submitted, here’s how you can track the status of your application:

  • Log into the WBSCC website with your student’s user ID and password

  • Click on ‘Track Application’ on the Dashboard


The activities and their respective statuses should be displayed on your screen now. 

Customer Care Details

If you’d like to clear any doubts regarding this scheme or your application, you can contact the WBSCC customer care services through the following channels of communication:

  • Contact Number:

  1. 1800-102-8014

  • Email Address:

  1. contactwbscc@gmail.com

  2. support-wbscc@bangla.gov.in


Note: If you would like to get in touch with the representatives from the Department of Higher Education (West Bengal), you can visit the ‘Contact Us’ section of the WBSCC website. You will also find helplines that can get you in contact with specific educational institutions within West Bengal.

Frequently Asked Questions

Is student credit card available in West Bengal?

Yes, it is. You can apply for a special student credit card under the Student Credit Card Scheme by the Government of West Bengal.

What is the repayment schedule for the West Bengal Student Credit Card Scheme?

The repayment period is 15 years (after acquiring a job), including the moratorium period. 

What is the credit limit of the West Bengal Student Credit Card?

You can get a loan of up to ₹10 Lakhs through this scheme. 


Who is eligible for the Student Credit Card in West Bengal?

If you are an Indian student who has resided in West Bengal for more than 10 years and is below the age of 40 years, you can apply for this card. 

Can I buy a laptop through the West Bengal Student Credit Card Scheme?

You can use the total loan amount for anything that pertains to your education. This includes tuition fees, study material, accommodation, and others. 

What is the interest rate of the West Bengal Student Credit Card?

The interest rate applicable is 4% per annum. 

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