West Bengal Student Credit Card Scheme: Benefits, Documents Required, Process, and Eligibility

12^th Jan 2026...

Published By : Team 811

West Bengal Student Credit Card Scheme Latest News

In late November 2025, the WB Student Credit Card scheme crossed a major milestone, with over one lakh loan cases sanctioned.

West Bengal Student Credit Card Scheme Key Takeaways

West Bengal Student Credit Card Scheme provides education loans up to ₹10 lakh at 4 per cent simple interest for students studying in India or abroad.
Students of Class 10 and above, including higher secondary, undergraduate, postgraduate, diploma, and coaching aspirants, are eligible.
No collateral or security is required, and repayment can extend up to 15 years after completing education.

West Bengal Student Credit Card Scheme (WBSCC) is an initiative of the Government of West Bengal that was introduced under the Department of Higher Education. It seeks to make sure that students of all economic categories have an opportunity to study at the school level, higher education, and professional courses and studies worldwide without financial limitations.

The loan under this scheme pays out tuition fees, living expenses, books, laptops, and other educational needs.

What is the WBSCC Scheme?

West Bengal Student Credit Card Scheme offers students a ₹4 to 10 lakh education loan at 4 per cent per annum without collateral. The credit card offered under the scheme enables students to draw money when it may be necessary to finance education-related costs.

Students of secondary, higher secondary, undergraduate, postgraduate, diploma, doctoral and professional coaching programs are eligible to apply.

Who Benefits from WBSCC?

The scheme benefits a wide group of students studying in West Bengal, other Indian states, or abroad:

Students who are currently studying in Class 10 or higher in an established school, college, university or technical institution.
Undergraduate, postgraduate, and doctoral, law, management, engineering, medical, and vocational fields.
Those students who are enrolled in coaching for the UPSC, WBCS, NEET, JEE, GATE, CLAT, and other competitive exams.
Students enrolled in known foreign institutes for higher studies.

Key Features & Benefits of WBSCC

The WB student credit card scheme covers major features and benefits needed by students for monetary help, such as:

Loan up to 10 lakh rupees to pay tuition fees, hostel fees, books, laptops and study materials, examination fees and living expenses.
Four per cent per annum simple interest plus a 1 per cent concession should there be full interest servicing in the course period.
No collateral or guarantors; parents are co-borrowers.
A 15-year maximum period to repay after the course is finished.
Recognised institutions across India and abroad are covered.

With a Kotak811 savings account, students and parents can conveniently manage tuition payments, loan disbursements, and other education-related transactions online. Get in touch if you have any questions about the scheme or need an account for WBSCC.

WB Student Credit Card Scheme Eligibility Criteria

To be eligible for the scheme, the applicant must satisfy the following requirements:

Must be an Indian citizen and have lived in West Bengal for a minimum of 10 years.
Must be enrolled in Class 10 or above in a recognised school, college, university, coaching centre or a foreign institution.
The age of the applicant must not exceed 40 years.
Should possess an admission or enrolment document that is valid.
Legal guardians or parents should be co-borrowers.

Exclusions

The applications that lack attested admission evidence or residential documentation can be rejected.

Documents Required for WB Student Credit Card Scheme

To apply under the Student Credit Card West Bengal Scheme, applicants must provide:

Aadhaar card or Class 10 admit card as identity proof.
Recent passport-size portrait photograph.
Residential Certificate of 10 years of stay in West Bengal.
Letter of admission, fee scheme or enrolment confirmation at the institution.
10/12 marksheet or most recent academic qualification.
Family income information (if needed).
Aadhaar and PAN of Co-borrower.
Bank account information of the co-borrower or student.

Application Process for WBSCC

Students can apply for the scheme entirely online through the Government of West Bengal’s official WBSCC portal.

Step 1: Student Registration

Visit the official WBSCC portal at wbscc.wb.gov.in
Click on "Student Registration" at the top of the page.
Provide personal, academic and parent/guardian information.
A unique ID is generated and sent to your registered mobile number

Step 2: Fill Application Form

Log in with your unique ID and password.
Type in personal, academic and banking details.
Scan and upload documents, images and signature.
Submit the application.

Step 3: Verification and Sanction

The nodal officer of the institution confirms the details and passes them to the Higher Education Department.
The department looks into and forwards to the respective bank.
The loan is reviewed and approved by the bank, which provides the Student Credit Card.

Check Status of WBSCC

Track your application at the official WBSCC portal.

Click "Student Login"
Enter registration number, password, date of birth, and captcha
View current status (pending with institution, bank, sanctioned, or rejected)

Benefit Disbursal

Upon approval, the loan value is approved by the bank and credited according to the educational needs of the student. The disbursements can be done directly to the institution or directly to the bank account of the student according to the fee structure provided.

Repayment for the WBSCC scheme

Below are the key repayment features of the West Bengal student credit card scheme:

Tenure: A Maximum of 15 years, plus a moratorium upon the course completion.
Interest: simple interest of 4 per cent per annum on the outstanding amount.
Concession: 1 per cent further deduction in case of interests being paid on studies.

An automatic transfer of EMI out of a savings account can keep the bank account in order and reduce the total interest payable.

Conclusion

West Bengal Student Credit Card Scheme is one of the most significant educational support schemes that guarantees access to finances among students who are aspiring to academic and professional objectives in India or in foreign countries.

Using low-interest financing schemes, collateral-free loans, flexible repayment, and an online process for processing applications, the scheme will help students work on their educational results without facing the issue of financial constraint.

FAQs on West Bengal Student Credit Card Scheme

1. What is the maximum amount of loan that a student can receive in the West Bengal Student Credit Card Scheme?

The students may receive up to 10 lakh at 4 per cent simple interest to be used as educational expenses.

2. What is the age limit to apply?

Applicants must be 40 years or younger at the time of applying.

3. Can students studying outside West Bengal apply?

Yes. Any student studying in any part of India or outside may apply, provided they satisfy the residence requirement.

4. Is collateral required for the scheme?

No. The loan is not collateral-based, and the parents or guardians are the co-borrowers.

5. How do I check my application status?

The status can also be tracked via the official WBSCC portal with the help of the app ID or registered mobile number.

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Disclaimer
This article is intended for general informational purposes only. The information provided is based on publicly available sources and government notifications as available at the time of writing. Government schemes, eligibility criteria, benefits, coverage limits, and implementation details are subject to change, modification, or discontinuation at the discretion of the respective government authorities without prior notice.
Kotak Mahindra Bank Ltd. (“Bank”) does not guarantee the accuracy, completeness, or current validity of the information contained herein and does not assume any responsibility for discrepancies arising due to subsequent policy updates or revisions. The views expressed in this article do not necessarily reflect the views of the Bank or its employees and should not be construed as legal, medical, financial, or professional advice.
Readers are advised to verify the latest details directly from official government portals or authorized sources before relying on or acting upon the information provided. Kotak Mahindra Bank Ltd., its directors, employees, or contributors shall not be liable for any loss or damage arising from the use of or reliance on the information contained in this article.