How to Apply for West Bengal Credit Card Scheme from Rural Areas

The application for the West Bengal Student Credit Card Scheme (WBSCC) from rural areas has to be done online from the official website of the Government of West Bengal. WBSCC Scheme is a state government initiative like a student education loan, designed to offer loans to students to pursue higher education.

A student from West Bengal can obtain a maximum loan of Rs 10 lakhs at 4% per annum simple interest from the State Cooperative Bank and its affiliated Central Cooperative Banks, District Central Cooperative Banks, and Public or Private sector Banks. A 1% interest concession will be provided to the borrower if the interest is fully serviced during the study period. The upper age limit to apply for the West Bengal Student Credit Card Scheme from rural areas has been kept at 40 years at the time of applying for the loan. The repayment period shall be 15 years for any loan availed under this Credit Card including the Moratorium/ repayment holiday. To get a detailed idea of the steps to apply for the West Bengal Student Credit Card Scheme from rural areas, you need to read this article.

West Bengal Credit Card Scheme for Rural Areas

The West Bengal Student Credit Card (WBSCC) Scheme provides financial support to college students willing to study further. To apply for the scheme, students from rural areas have to visit the official website, wbscc.wb.gov.in. In addition, students may also approach the neighbourhood authorities' offices and block-level centres,to apply for the West Bengal Credit Card scheme. Through the WB Student Credit Card scheme, you can avail a loan amount of up to Rs 10 Lakhs for a professional degree or equivalent courses in any school, college, university, or affiliated institutes in India and abroad. With the loan amount, you can enrol in coaching institutes to appear in competitive exams such as Engineering, Law, Medical, WBCS, IAS, IPS, etc.

With minimal documentation and a user-friendly approach, students can apply for West Bengal Credit Card scheme from rural areas and gain access to a loan of up to Rs 10 lakh. The initiative empowers them to fulfil their educational aspirations without financial obstacles. The WBSCC loan can also be used to finance degree courses, like Class 10, Class 11 and Class 12 education as well as MA, M.Sc., M.Com., MBA, BA, B.Sc., B.Com., BBA, MBBS, LLB, PGDM, technical courses, like ITI.

Also Read: Eligibility Criteria for West Bengal Student Credit Card: Age Limit, Qualifying Exam

Steps to Apply for West Bengal Credit Card Scheme from Rural Areas

The West Bengal Credit Card Scheme can only be applied to online as there is no offline procedure. Students from rural areas have to apply for WBSCC online or they have to get help from the block office. You can also apply at any participating bank branch such as State Bank of India (SBI), Bank of India (BOI), Punjab National Bank (PNB), and others, as these organisations are generally involved in offering this scheme in West Bengal.

Online Registration

The applicant has to visit the official website of the West Bengal Government, wbscc.wb.gov.in or banglaruchchashiksha.wb.gov.in and then click on the Student Credit Card tab to apply for the West Bengal Student Credit Card. They have to fill up the important details like name, date of birth, present course of study, contact details and selection of password. Upon successful registration, a unique ID will be generated which will be sent to the mobile number of the student. This unique ID will be used for submission and other future purposes of the application.

Filling the Application Form

Before starting to fill out the WBSCC application form, candidates have to log in using their generated credentials like the registration number and password. The applicants have to enter their details like name, father’s name, mother’s name, co-borrower / name of guardian and their respective detailed information, present and permanent address details, course and income details, bank details of the student and the co-borrower.

The documents that you have to submit are:

• Colour Photograph of the applicant (in .jpeg / .jpg between 50 KB and 20 KB)
• Colour Photograph of the co-applicant / co-borrower (in .jpeg / .jpg format, between 50 KB and 20 KB)
• Signature of the student (in .jpeg / .jpg format, between 50 KB and 10 KB)
• Co-borrower / Guardian’s signature (in .jpeg / .jpg, between 50 KB and 10 KB)
• Student’s Aadhar Card (in pdf format, between 400 KB and 50 KB)
• Student’s Class 10th Board registration certificate, if aadhar card is unavailable (in pdf format between 400 KB and 50 KB)
• Guardian’s Address Proof (in .pdf format between 400 KB and 50 KB)
• Admission Receipt (in .pdf between 400 KB and 50 KB)
• Student’s PAN Card/ undertaking if there is no PAN Card (in .pdf format between 400 KB and 50 KB)
• The relevant page of the brochure/ document detaining course fee/ tuition fee (in pdf format between 400 KB and 50 KB)

Check Applicant Profile

To apply for the West Bengal Credit Card scheme from rural areas, students have to click on the Applicant Profile View page where their name, scanned photo and signature, scanned photo and signature of co-borrower, details of the qualifying exam, details of the present course of study, personal information, etc. will be mentioned as per what they have filled out.

Review the Application Form

In the applicant profile view section, candidates get the option to cross-check every detail mentioned by them for West Bengal Credit Card from rural areas. In case they find any discrepancy in the information provided earlier, they can edit the details by clicking on the edit button on the left panel. If the student is satisfied with the information provided, then they can proceed to the next step of student loan application.

Submit Application

The applicant has to carefully review their application and then click on the “Submit Application” tab. Once the form for the West Bengal Credit Card Scheme from rural areas is submitted, a pop-up menu appears. Once the student is sure that the details are fed correctly, they are required to opt for ‘Yes’ or ‘No’ very cautiously, as there is no option for modification. Now, when the form is submitted successfully, it will show on the dashboard that the form is submitted to the Institution.

Also Read: Benefits of the West Bengal Student Credit Card

Benefits of West Bengal Credit Card Scheme for Rural Areas

The West Bengal Credit Card scheme comes with a lot of benefits that have been discussed below:

• Through the West Bengal Student Credit Card scheme, students will get a maximum loan amount of Rs 10,00,000 at a 4% simple annual interest rate.
• The loan amount can be used to pay the cost of the computer or laptop or tablet, books, stationery, living expenses, etc.
• The repayment period will be a maximum of fifteen (15) years for the loan.
• The students will get a rebate of 1% interest rate if the interest is fully serviced.
• WB Student Credit Card benefits students by paying for their course fees payable to the College/ University/ H.E. Institute (includes tuition fees, examination fees, library fees, etc).
• Fees for caution deposit/ building fund/ refundable deposit (supported by institution’s bills) will also be paid through this scheme.
• Through the West Bengal Student Credit Card, students can pay the accommodation fees for College/ University/ H.E institute hostels.
• The WBSCC scheme will pay the rent or license fee for living in a hostel or expenses for living as paying guests.
• Through the scheme, applicants can pay the expenses that are required for the completion of the course, such as project work, study tours, theses, etc.
• The applicant can get a loan at any time during their course of studies.

It is a simple and stress-free procedure to apply for the West Bengal Credit Card Scheme from rural areas. Students can simply fill up their applications with the assistance of the online portal or local government offices.

Also Read:

For any queries regarding the West Bengal Credit Card Scheme from rural areas, feel free to dial our toll-free number 1800-572-9877 or fill out CollegeDekho’s Common Application Form or log on to our QnA Zone for admission-related queries.