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West BengalEducation
WB Student Credit Card
Managed by: Department of Higher Education (Higher Education Department)
About the Scheme
WB Student Credit Card provides affordable education loans up to Rs. 10 Lakhs to West Bengal students pursuing higher education anywhere in India.
Welfare Benefits & Assistance
- •Soft loan up to Rs. 10 Lakhs for higher education
- •Simple interest rate of 4% (6% for professional courses)
- •Moratorium period until course completion + 6 months
- •No collateral or guarantor required
Eligibility Criteria
State ResidencyResident of West Bengal
Age LimitsMust have passed Madhyamik (Class 10) or higher from a WB-recognized board
Family Income CapNo income ceiling — loan-based scheme
Social Class / CategoryAll categories
Additional Prerequisites
- Must be admitted to a recognized higher education institution in India
Documents Required for Application
Tip: Keep scanned color copies of these documents ready before starting your application.
How to Apply (Step-by-Step Guide)
1
Apply at wbscc.wb.gov.in
2
Fill application with academic and personal details
3
Upload marksheets and admission letter
4
Track application status online
1
Visit designated bank branch with admission letter
2
Complete KYC and submit physical documents
Who Should Apply?
- ✓WB students admitted to higher education
Who Should NOT Apply?
- ✗Students who haven't secured admission yet
Frequently Asked Questions (FAQs)
What is the interest rate?
4% simple interest for general courses and 6% for professional courses like medical and engineering.
Related Welfare Schemes
Kanyashree Prakalpa
Who Can Apply:
Unmarried girls aged 13-18 in WB
Key Benefits:
•K1: Annual scholarship of Rs. 1,000 for girls aged 13-18
•K2: One-time grant of Rs. 25,000 upon turning 18 (if unmarried and in education)
Updated: July 2026
Samabyathi Scholarship
Who Can Apply:
Minority community students in Class 1-8
Key Benefits:
•Annual scholarship amount for minority students in primary/upper primary level
Updated: June 2026
Oikyashree Scholarship
Who Can Apply:
Minority students Class 9+ with family income < Rs. 2.5L
Key Benefits:
•Monthly stipend for minority students from Class 9 onwards
•Covers tuition and maintenance costs
Updated: June 2026
Aikyashree Scholarship
Who Can Apply:
Minority students at all levels in WB
Key Benefits:
•Consolidated scholarship covering pre-matric and post-matric minority students
•Covers admission fees, tuition, maintenance allowance
Updated: July 2026
Scheme Details
State / CentralWest Bengal
AuthorityHigher Education Department
SubcategoryEducation Loan
Launch DateJune 2021
Target Beneficiarystudents
Official Helpline1800-102-8014 (Toll-Free)