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West Bengal Student Credit Card Scheme 2021 Apply Online, Eligibility | Soft Loan upto Rs. 10 Lakh

By Digital Mitra

 West Bengal Student Credit Card Yojana 2021 West Bengal has announced a new WB Student Credit Card Scheme 2021 for students. This West Bengal Student Credit Card Scheme would enable students to get soft loans upto Rs. 10 lakh for higher studies. In this scheme, one person would be eligible till 40 years of age and 15 years would be given to a student to repay loan after getting a job.

What is West Bengal Student Credit Card Scheme 2021

To make West Bengal’s youth self-reliant, a new scheme namely Student Credit Card Yojana is launched. In this scheme, all the eligible students will get Student Credit Cards with credit limit up to Rs. 10 lakh at an interest rate of 4%. WB Student Credit Card Scheme is a part of “Arthik Shujog, Shobol Jubo” initiative.

Through Student Credit Cards, students pursuing higher education – under-graduation and post-graduation, shall be eligible to receive credit up to ₹10 Lakh at a subsidized rate of 4%. Unlike a loan that is drawn as a lump sum, a Student Credit Card will provide money to students on demand at their convenience benefiting more than 1.5 crore students over the next 5 years.

Bengal Cabinet Nod to Student Credit Card Yojana

CM Mamata Banerjee led WB state govt. estimated that 1.5 crore beneficiaries will be included in the “West Bengal Student Credit Card Scheme”. SCC Scheme promises student credit cards having credit limit of upto Rs. 10,00,000 for higher studies. The West Bengal Student Credit Card Yojana was promised by chief minister Mamata Banerjee before recent Assembly elections.

WB Student Credit Card Scheme Registration

Top government officials held a meeting recently to work out the modalities of the dole. The work to implement the West Bengal Student Credit Card Scheme will start soon. The first thing govt. have to do is to register the beneficiaries of the West Bengal SCC Scheme. It has been assessed that the scheme will have a total of 1.5 crore beneficiaries.

Eligibility of West Bengal Student Credit Card Scheme

Here is the complete eligibility criteria to become eligible for West Bengal Student Credit Card Scheme:-

  • Applicant must have spent 10 years in West Bengal state.
  • Loans would be eligible for undergraduate, postgraduate, doctoral and post-doctoral study in India or abroad.
  • One person is eligible for the scheme till 40 years of age.
  • Fifteen years will be given to a student to repay the loan after getting a job.

Implementation of WB Student Credit Card Scheme

The financial condition does not allow the West Bengal state govt. to make the West Bengal SCC Scheme universal. WB state govt. just cannot bring all students in the state under the Student Credit Card Yojana as it will push the financial burden. To ensure the smooth implementation of the West Bengal Student Credit Card Scheme, government was considering the insertion of an eligibility criterion for students to avail themselves of the soft loans.

The state government might be forced to cut down allotment of some departments to raise funds for the WB Student Credit Cards scheme. It is not possible to cut down departmental allocations heavily. So, the state is looking to arrange for funds for the scheme from some other sources too.

Database of Beneficiaries in West Bengal SCC Scheme

The WB govt. already has a database of some eligible beneficiaries, which can be readily used to launch the SCC scheme. For example, the state has detailed data of students in govt. schools and colleges. These beneficiaries can be brought under the direct benefit transfer scheme immediately. For the remaining families, the government could seek applications.

WB Student Credit Card Scheme would definitely boost the education as a large portion of the fund allocation would be pumped into the beneficiaries bank accounts every year.

Overview of Student Credit Card Scheme in West Bengal

Name of SchemeWB Student Credit Card Scheme
Applicable Year2021 onward
StateWest Bengal
Who are Eligible BeneficiariesStudents who wants to pursue higher studies
Beneficiaries Count1.5 crore
Type of SchemeSoft Loans through Student Credit Cards
Launch Date30 June 2021
Loan Amountupto Rs. 10 lakh
Interest Rate4%
Applicable CoursesUnder graduate (UG), Post graduate (PG), doctoral and post-doctoral study
Age Limit40 years
Repayment Time15 years after getting job
Registration / Apply ProcessTo start soon
West Bengal Student Credit Card Scheme Overview

Student Credit Card Scheme in Didir 10 Ongikar of TMC Manifesto

Ojosro sujog, somridhho Bangla

  • Fifth largest economy with GDP size of ₹12.5 Lakh Crore and annual per capita income of more than ₹2.5 Lakh
  • 35 lakh people uplifted to reduce people below poverty line to 5% from 20% in 2011
  • 5 Lakh new jobs per year to be created to halve the unemployment rate

Proti poribarke, nyunotomo mashik aay

A new scheme namely Laxmi Bhandar to ensure monthly Basic Income support to female heads of 1.6 Crore households of Bengal- monthly ₹500 to families of General Category (Yearly ₹6,000) and ₹1,000 to families of SC/ST (Yearly ₹12,000)

Arthik sujog, shobol jubo

To make Bengal’s youth self-reliant, a new West Bengal Student Credit Card Scheme for all eligible students would be launched. Student Credit Cards with credit limit up to ₹10 lakh at an interest rate of 4% would be provided.

Banglay shobar, nishchit ahar

  • New facility under Khadya Sathi – No need to go to the ration shop anymore. Free doorstep delivery of monthly ration to 1.5 crore households
  • 75 Crore subsidised meals at ₹5 per meal through 2,500 ‘Maa’ Canteens across 50 cities

Bordhito utpadon, sukhi krishok

  • ₹10,000 per acre support to be provided to 68 lakh small and marginal farmers every year under the Krishak Bandhu Scheme
  • To be the number 1 State in Net Sown Area and Cropping Intensity by adding 3 lakh hectares of cultivable land and converting 4.5 lakh hectares to double cropping system respectively
  • To be in top 5 States in productivity for food grains and four cash crops – Tea, Jute, Potato and Tobacco

Shilponnoto Bangla

  • Additional 10 lakh MSMEs to be added every year to increase the total number of functional MSME units to 1.5 cr
  • 2,000 big industrial units to be added to the existing base of 10,000 units in the next 5 years
  • ₹5 lakh crore of new investments in the next 5 years

Unnototoro swasthya byabostha, sushtho Bangla

  • Double the spending on Health from 0.83% to 1.5% of the State GDP
  • Medical College-cum-Super Speciality Hospital in all 23 district headquarters
  • Double the number of seats for – doctors, nurses, and paramedics

Egiye rakhte, shikkhito Bangla

  • Increase the spending on Education from 2.7% to 4% of the state GDP
  • Each block to have at least one Model Residential School
  • Double the number of seats for teachers’ training

Shobai pai, matha gonjar thaai

  • 5 lakh additional low cost houses to be built under Banglar Bari Scheme in urban habitations to reduce slum population from 7% to 3.65%
  • 25 lakh additional low cost houses to be built under Bangla Awas Yojana in rural areas and reduce kutcha houses to less than 1%

Proti ghore bidyut, sodok, jol

  • Piped drinking water facility to be provided to additional 47 Lakh households to ensure 100% coverage; up from 26%
  • 24×7 electricity at affordable rates to all households
  • Every rural household to be connected with all-weather roads, a functional drainage






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