West Bengal Student's Credit Card Scheme

Online Application and Credit Card issue process, details of West Bengal Student Credit Card Scheme (WBSCCS) sanctioning procedure, download pdf of User Manual, Nodal Officer for West Bengal Student's Credit Card Scheme, distribution report of Books and Khatas of the class IX-X students, submission of original bill or voucher of purchasing Tab or Smart phone of class XII students.
  • Students' admission, Promotion from Class XI to XII and through verification of students Name, Bank A/C details in the Banglar Shiksha Portal for smooth disbursement of Tab Grant for the Finance Year 2022-2023


West Bengal Student's Credit Card Scheme

Government of West Bengal
Department of Higher Education
Bikash Bhaban, Salt Lake, Kolkata 700 091

Information of West Bengal Student Credit Card Scheme (WBSCCS)

Implemented through the West Bengal Co-operative Bank, Its affiliated Central Co-operative Banks/ District Central Co-operative Banks and other recognized Public/ Private Sector Banks

Online Application and Credit Card issue process

Stake Holders:
1. Application of  the Student
2. Head of the Institution
3. Department of Higher Education
4. Bank


Sanction of Application for Student Credit Card


(i) Credit Card Application by Student
(ii) Nodal Officer of the Institution
(iii) Verify and forward
(iv) Higher Education of Department
(v) Examine and forward
(vi) Bank
(vii) Approve and Sanction
(viii) Student Credit Card issue

Objective of Student Credit Card

To provide hassle free and collateral security free Loan to the students, belonging to West Bengal with nominal simple interest for a maximum amount of Rs.10 Lakhs to the students pursuing studies within and outside the State of West Bengal or abroad.

Benefits of Student Credit Card

  • Hassle free and collateral security free loan from the Banks.
  • Maximum credit limit of the Student Credit Card is Rs. 10 Lakhs.
  • A nominal simple interest rate of 4%
  • If the interest is fully serviced within the study period, there will be a rebate of 1% interest rate 

Purposes of Student Credit Card

Following expenses will be met
A. Institutional Expenses
  • Course fee payable to College/University/ Higher Education Institute (includes tuition fee, examination fees, library fees etc) 
  • Fees for Caution Deposit/ Building fund/Refundable deposit (Supported by Institution's bills)

B. Non-Institutional Expenses
  • Fees required for accommodation in College/University/ Higher Education Institute hostels
  • Rent /License fee for living outside hostel, or expenses for living as Paying Guest.
  • Cost for purchasing Books/Computers/Laptops/Tablets etc.
  • Other expenses required for completion of course, such as study tours, project works, thesis etc.
Note:
A student can incur expenditure up to 30% of the total loan sanctioned for non-institutional expenses for the whole course of study.
Up to 20% of the total loan sanctioned can be used as living expenses for the duration of the course.


Eligibility for Student Credit Card

  • Student should be an Indian National. The student or his family should be a resident of West Bengal for last 10-years.
  • Student must get himself enrolled for studying in class X /Higher Secondary/ Under Graduate (UG)/ Post Graduate (PG) course, including Professional and Diploma courses within or outside the Sate of West Bengal or abroad or studying in coaching institute for competitive examinations like UPSC/PSC.
  • Interested student should not be above 40 years of age at the time of application.

Quantum of Finance and Security

  • Maximum amount of loan available is Rs.10 Lakhs
  • Students can borrow loan at anytime during the course of study.
  • Loan application should be submitted by the student and Co-borrower.
  • There will be a life cover in the name of the student up to the loan amount sanctioned. The insurance premium to be borne by the student, which shall be debited from his Loan account.
  • Student and the Co-borrower will enter into an agreement with the Bank as per banking rules.
  • The Banks will not insist on any security/collateral security in tangible/intangible from other than co-obligation of the parents/Legal guardians.

Mode of Disbursement

  • For payment of course fees and other fees related to the Institution, the amount of loan will be credited directly to the designated account of the Institution concerned.
  • For purchasing of Computer/Laptop/Tablets/Books /Stationeries/living expenses etc the amount of loan will be credited to the student's Bank account.

Margin Money

Up to Rs. 4 Likhs : Nil
Above Rs.4 Lakhs : 5%
Scholarship/assistance ship to be included in Marge money

Repayment and Moratorium

  • There will be a moratorium or repayment holiday of one year after completion of the study.
  • Repayment period shall be maximum fifteen (15) years for any loan availed including the Moratorium/repayment holiday.

West Bengal Student Credit Card Scheme (WBSCCS) in Bengali

  • Student Credit Card প্রকল্প 30-শে জুন থেকে শুরু হবে।নতুন Student Credit Card প্রকল্পকে ছাড়পত্র দিল রাজ্য মন্ত্রীসভা।
  • এই Student Credit Card এর জন্য online এ আবেদন করা যাবে। আপাতত মাধ্যমিকের (MP) প্রায় 12 লক্ষ এবং উচ্চমাধ্যমিকের (HS) 10 লক্ষ ছাত্রছাত্রীকে এই Student Credit Card এর আওতায় এনে প্রকল্পের কাজ শুরু করা হবে।
  • 4% সুদে ছাত্রছাত্রীরা 10 লক্ষ টাকা পর্যন্ত ঋণ (Loan) নিতে পারবেন এই Student Credit Card এর মাধ্যমে।
  • Class-X থেকে শুরু করে স্নাতকোত্তর (PG) পর্যন্ত এই Student Credit Card পাওয়া যাবে।
  • স্নাতক (Graduation), স্নাতকোত্তর (PG), ডিপ্লোমা, ডাক্তারি, গবেষণা সবেতেই এই ঋণের জন্য আবেদন করা যাবে।
  • শুধু রাজ্যে কিংবা দেশেই নয়, বিদেশে পড়তে যাওয়ার ক্ষেত্রে এই Credit Card এর সুবিধা পাওয়া যাবে।
  • ঋণ (Loan) পাওয়ার ক্ষেত্রে বয়সের উর্ধ্বসীমা 40 (চল্লিশ) বছর।
  • রাজ্যের বাসিন্দা বা 10 বছর বাস করছেন এমন পড়ুয়ারাই এই ঋণ (Loan) পাবেন।
  • এই ঋণের মেয়াদ 15 বছর। অর্থাৎ এই সময়ের মধ্যে ঋণ (Loan) পরিশোধ করতে হবে।
  • ছাত্রছাত্রীর ঋণের ক্ষেত্রে কোনও গ্যারেন্টার (Guarantor) লাগবে না। Guarantor হবে সরকারই।
  • অনেকটা ব্যাঙ্ক ঋণের ধাঁচেই চাকুরী পাওয়ার 1 বছর পরে এই টাকা শোধ দেওয়া (Repayment) শুরু করতে পারবে ছাত্রছাত্রীরা।
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For more details on Student Credit Card Scheme, students are requested to contact on Mobile number
98310 66351
98366 24096
97487 31800

Toll free Number: 1800 102 8014

e-mail ID: support-wbssc@bangla.gov.in

Visit the website

Before registration for Student Credit Card, you have to read the User Manual carefully. Here is step by step how to do 'Student Registration' and application for Credit Card, download the User Manual.
 


Government of West Bengal
Higher Education Department
Bikash Bhaban, Salt Lake
Kolkata 700 091

The Principal Secretary to the Govt of W.B
No. 142L/OM-90L/2021  Date: 30.06.2021



Nodal Officer for Student's Credit Card

Director of Public Instruction, Education Directorate, Govt of West Bengal
Memo No. ED-062/2021    Date: 27.05.2021

Sir/Madam,
This is to inform you that the State Government in the Higher Education Department is going to launch West Bengal Student's Credit Card Scheme very soon. It has been decided that there will be a Nodal Officer at each Institution level for the scheme.

As the training programme will be start very soon, I request you to kindly inform the Name, e-mail ID and Mobile number of the Nodal Officer urgently to the respective JDPIs.


Yours faithfully,

Sd/- Prof. Jayasri Ray Chaudhuri
Director of Public Instruction
Education Directorate, Govt of West Bengal
Bikash Bhavan, Salt Lake, Kolkata 700 091

.....................................


Distribution report of Books and Khatas

The Commissioner of School Education, West Bengal
Memo No. 67/TBC     Date: 0802.2021

Sir/Madam, 
As we are aware that School will be reopened for class IX, X, XI and XII from 12.02.2021, the Textbook and Exercise Books may be given to the student of class XI and X those who have not received yet.

So, you are requested to instruct all the Heads of the Institution (HOIs) of Schools to distribute the books and Khatas to the students of class IX and X as early as possible and report to this office on daily basis in the prescribed format.
Thank you,

Enclosure: As stated

Your sincerely,

Sd/- Dr. Anindya Narayan Biswas (AIS)
Commissioner of School Education, 
West Bengal
Date: 08.02.2021
.....................................


Submission of original bill/voucher for purchasing Tab/Smart phone and photograph of Tab


The District Inspector of Schools(SE), Bankura
Memo No. 678/S    Date: 09.03.2021

In terms of Memo No. 04-SSE/2021 dated 15.01.2021 of School Education Department, Government of West Bengal, all regular students of class XII studying in the schools under the administrative control of the Government of West Bengal in the current academic year 2020-21 have been provided with the assistance of Rs.10,000/- (rupees Ten thousand) for purchasing Tablet Computer/Smart phone. Fund has been disbursed (বিতরণ) to the students concerned either to their respective bank accounts through Direct Benefit Transfer (DBT) mode or through issuing A/C payee cheques.

In this connection, all the Head of the Institution (HOI) of Higher Secondary Schools under this district are requested to submit bills/vouchers for purchasing of Tablet computer/ Smart phones in respect of each students and photograph of Tab to the office of District Inspector of Schools (SE) Bankura within 15.03.2021 without fail.

Following issues need to be taken care of for collection and submission of the bill/Voucher

(i) Original bill/Voucher to be submitted by the student concerned
(ii) Bill/Voucher must be in the name of the student concerned
(iii) Bill/Voucher must be for purchasing of Tablet computer/Smart phones only
(iv) Bill/Voucher amount would not be less than Rs.10,000/- (rupees Ten thousand)
(v) Concerned student must sign on the Bill/Voucher
(vi) Forwarding letter of Head of the Institution (HOI) furnishing the following information

Name of the School

No of regular students of Class-XII of 2020-21 as per Banglar Shiksha portal

No of students for whom fun released through DBT

Number of Students for whom fund released through A/C payee cheques

No of students for whom Bill/Voucher submitted

Remarks

 

 

 

 

 

 


Sd/- District Inspector of Schools (SE)
Bankura
Date: 09.03.2021

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Disbursement of Tab Grant to Class XII for F.Y 2022-23

The District Inspector of Schools (SE), Murshidabad
Memo No.1946-G  Date: 22.07.2022

Regarding Students' admission, Promotion from Class XI to XII and through verification of students Name, Bank A/C details in the Banglar Shiksha Portal for smooth disbursement of Tab Grant for the Finance Year 2022-2023

As directed by the Higher Authority, all the Head of the Institutions of Higher Secondary School and Madrasahs are requested to take effective measure for completion of the following activities of her/his institution within 31st July 2022.

1. Students Promotion/Detention from class XI to XII must be completed within 31.07.2022 in the  Banglar Shiksha Portal 

2. Admission in class XII of all promoted students from Class XI to XII must be done within 31.07.2022.

3. All students data of Class-XII specially Name of the student, Father's Name, BankName, Bank Account Number, IFSC need to be minutely verified in the portal with relevant current documents for ensuring data sanctity and hustle free disbursement of Tab Grant in favour of all student beneficiaries of the Institution.

4. Total number of admitted students should be identical with the number of class XII students entered in the Banglar Shiksha Portal

It is strictly mentioned that if three is any mismatch or irregularities found regarding entered data in the Banglar Shiksha Portal, the Head of the Institution concerned will be held liable for the same.

Please ensure the functional Bank A/C of all Class XII students of his/her Institution in the Banglar Shiksha Portal (BSP) latest by 31.07.2022, Tab Grant will be disbursed as per enrolment in the Banglar Shiksha Portal (BSP).

Top most priority must be given in this regard.
Thanks and Regards 


Sd/-District Inspector of Schools (SE)
Murshidabad
Date: 22.07.2022