West Bengal Student Credit Card apply process

West Bengal Student Credit Card :

Name	Student Credit Card
Apply Mode	Online / Offline
Age Limit	up to 40 Years
Official Website	https://wbscc.wb.gov.in/

Under the visionary leadership of Mamata Banerjee, Hon’ble Chief Minister, West Bengal, The Higher Education Department, Government of West Bengal has introduced the Student Credit Card Scheme for the students of West Bengal to enable them to pursue education without having any financial constraints. This scheme is designed to support the students to pursue secondary, higher secondary, madrasah, undergraduate and post graduate studies including professional degree and other equivalent courses in any School, Madrasah, College, University and other affiliated institutes within and outside India.

Students studying in various coaching institutions for appearing in different competitive examinations like Engineering, Medical, Law, IAS, IPS, WBCS etc, can also avail the loan under this scheme. A student from West Bengal can obtain a maximum loan of Rs. 10 lakhs @ 4% per annum simple interest from the State Cooperative Bank and its affiliated Central Cooperative Banks and District Central Cooperative Banks and Public/ Private Sector Banks. 1% interest concession will be provided to borrower if the interest is fully serviced during the study period.

The upper age limit for the interested students has been kept as 40(forty) years at the time of applying for loan. The repayment period shall be fifteen (15) years for any loan availed under this Credit Card including the Moratorium/ repayment holiday. For details kindly go through the Scheme given in this portal.

1. Sub-paragraph (f) of paragraph 4 may be substituted as follows:–
“(f) The student can incur expenditure up to 30% of the total loan sanctioned for non-institutional expenses for the
whole course of study. However, the student studying in such Government Institutions having very less institutional
expenses can incur expenditure not more than Rs.3.00 lakhs as non-institutional expenses during the whole course
of study”.
2. Sub-paragraph (g) of Paragraph 4 may be substituted as follows:–
“(g) Up to 20% of the total loan sanctioned can be used as living expenses for the duration of the course. However,
the student studying in such Government Institutions having very less institutional expenses, can incur expenditure
not more than Rs.2.00 lakhs as living expenses during the whole course of study”.
3. This has issued in concurrence with the Finance Department vide their U.O. No. Group-B/2021-2022/0030 dated
12.08.2021 and Group-N, U. O. No. 1669 dated 11.08.2021

Apply Process :

Apply Link : https://wbscc.wb.gov.in/

Apply Process Pdf : https://wbscc.wb.gov.in/assets/User-manual.pdf

Subject: Student Credit Card Scheme

Official Website : https://wbscc.wb.gov.in/

Whereas, the State Government in the School Education and Higher Education Departments has made a huge
expansion in the school/ higher education institutions as well as its infrastructures and other academic facilities since
2011, resulting thereby an increase of Gross Enrolment from 11.8 lakhs to 16.6 lakhs at Higher Secondary level after
passing Class X and 13.24 lakhs to 21.61 lakhs at higher education level, and

Whereas, the State Government has upgrading 2700 schools to Secondary/ Higher Secondary level and set up 19
new State-aided Universities, 11 Private Universities and 51 new General Degree colleges since 2011. Every year about
12.00 lakhs and 9.5 lakhs students qualify Class X and class XII exams respectively in the State of West Bengal, to
pursue the higher studies in schools, Madrasahs, colleges, Universities and other institutes like IITs, IIMs, IISc, IIESTs,
ISIs, NLUs, AIIMSs, NITs, XLRI, BITS, SPA, NID, IIFTs, ICFAI Business School etc. or studying in various coaching
institutes for appearing in different competitive examinations like IAS, IPS, WBCS, SSC etc. About 38 Lakh students
take admission at Secondary (class X), Higher Secondary (Class XI & XII), UG and PG levels respectively in the
State every year, and

Whereas, in order to enhance the quality of higher education and to facilitate meritorious poor students, the State
Government has already started Swami Vivekananda Merit-cum-means scholarship Scheme and Kanyashree Prakalpa
(K3) for college/ University going students and every year about 1, 40,000 students avail the benefits under these
Schemes, and

Whereas, in order to further encourage the students to pursue higher studies and to facilitate them with necessary
funds for pursuing the same, the State Government proposes to support the students by providing a Credit Card, having
a maximum limit of Rs. 10 lakhs available at nominal rate of 4% simple interest rate per annum, so that the students can
2 THE KOLKATA GAZETTE, EXTRAORDINARY, JUNE 30, 2021 [PART I
avail necessary fund as and when needed for their studies, and
Therefore, in view of the above the following scheme is adopted to achieve the above-mentioned purposes: –

West Bengal Student Credit Card SCHEME Details :

1. Short title and Commencement: –
(a) This scheme shall be called the West Bengal Student Credit Card Scheme.
(b) It shall come into force from the date of publication in the Official Gazette.

2. Definitions: –
Unless the context otherwise requires, the following words shall have the meaning assigned against each of them
under this scheme as follows: –
(a) “Academic year” means the annual period during which academic instructions are provided to the students
generally commencing from 1st of July, every year.
(b) “Bank” for the purpose of this Scheme means the State Co-operative Banks or Central Co-operative Banks or
District Central Co-operative Banks or any other Public and private sector Banks, as may be determined and
notified by the State Government from time to time.
(c) “College” includes Private self-financing College.
(d) “Course fee” includes tuition fees, examination fees, library fees, caution deposits etc., to be charged by the
School, College, University, or Institution in which the student concerned is receiving academic instruction.
(e) “Credit Card” for the purpose of this scheme shall means a physical plastic card issued by the Bank against
which the holder i.e., the student borrower can avail specific financial services on credit up to a specific
amount on some specific rate of interest upon executing an appropriate loan agreement.
(f) “Institute” means an institution imparting secondary/ higher secondary level education and above in any
branch of Study.
(g) “Legal guardian” means a person having been in charge of a student (in absence of his Father and Mother,
including stepfather and stepmother) lawfully, as permitted under the personal law of inheritance and succession of the student concerned or some other person declared as such, by any competent court of Law in
India.
(h) “Living expenses” means an expense incurred by a student for living outside from his residence during the
course of study.
(i) “Professional course” includes the courses done in medicine, surgery, engineering, architecture, law, business, economics, accountancy, physiotherapy, psychology, technology, education, etc. which are recognized by any statutory authority in India constituted as such under any Central or State enactments or any
statutory authority of any other Country.
(j) “Resident of West Bengal” means a student, or his parent or legal guardian is residing in West Bengal at least
for a period of 10 (Ten) years preceding the date of application made under this scheme.
(k) “School” means school providing secondary and higher secondary education and includes private schools
under the administrative control of the boards/ councils active in the State of West Bengal.
(l) “Student” means a student pursuing education from class 10 onwards from a recognized Board active in the
State of West Bengal or studying in various coaching Institutes or pursuing undergraduate/ postgraduate
degree or professional or diploma courses including research scholar pursuing doctoral or post-doctoral
research studies.
(m) “State Government” means the Government of West Bengal in the Higher Education Department.
(n) “University” includes Private Universities and Deemed Universities.

3. Objective of the Scheme: – The Student Credit Card Scheme outlined herein aims at providing financial support/
assistance by the State Government at a nominal interest rate (with suitable guarantees to the bank) to the students
residing in West Bengal for at least 10 years and pursuing education from class 10 onwards, or studying in various
coaching institutes for appearing in different competitive examinations like Engineering/ Medical/ Law, IAS, IPS,
WBCS, SSC etc., UPSC, PSC, SSC etc., and pursuing Undergraduate, Postgraduate courses including professional degree, Diploma courses and research at doctoral/ post-doctoral level or other similar courses in schools,
Madrasahs, colleges, Universities and other institutes like IITs, IIMs, IIESTs ISIs, NLUs, AIIMSs, NITs, XLRI,
BITS, SPA, NID, IISc, IIFTs, ICFAI Business School etc., within or outside the country, who are unable to
pursue higher education due to financial constraints. The main emphasis is that students are provided with an
opportunity to pursue higher education, with the financial support from the banking system with reasonable and
affordable terms and conditions. Under this Scheme the aspiring students may upon fulfilling the terms and conditions detailed herein, obtain maximum loan of Rs. 10.00 lakhs at the rate of 4% simple interest from State Cooperative Banks and its affiliated Central Cooperative Banks and District Central Cooperative Banks and Public
Sector/ Private Sector Banks operating in the State of West Bengal.

4. Purpose: –
1. Under this scheme the Credit Card may be used to avail loan to meet up the following expenses: –
(a) Course fees payable to the School/ Madrasah/ College/ University / Professional Institutes like IITs,
IIMs, IIESTs, ISIs, NLUs, AIIMSs, NITs, XLRI, IISCs, BITS, SPA, NID, IIFTs, ICFAI Business
School etc. various competitive coaching institutes meant for different competitive examinations like
Engineering/Medical/Law, IAS, IPS, WBCS, SSC etc.
(b) Fees required for accommodation in School/ Madrasah/ College/ University/ Institution hostel or rent/
license fees payable for living outside the hostel or fees required for living as a Paying Guest.
(c) Fees payable for caution deposit/ building fund / refundable deposit/ examination/ library/ laboratory
fees to be supported by Institution’s bills/ receipts.
(d) Cost of purchasing of books/ Computer/ Lap-top/ Tablet/ equipments etc.
(e) Any other expense required to complete the course such as study tours, project works, thesis, etc.
(f) The student can incur expenditure up to 30% of the total loan sanctioned for non-institutional expenses
for the whole course of study.
(g) Up to 20% of the total loan sanctioned can be used as living expenses for the duration of the course.
2. Expenses incurred in any of the above purposes shall have to be reported to the bank and the Department via
online Portal with proper receipts/ bills/ documents by the concerned student.

5. West Bengal Student Credit Card Student Eligibility and the process: –
(a) The student seeking loan under the scheme should be an Indian national and resident of West Bengal for the
last 10 years. Self-declaration by the student as appended in the application form will be accepted. A copy of
application format is annexed at Annexure-I.
(b) Student must have got himself enrolled for higher studies including courses as stated in para 3 of this scheme,
either within or outside the country, in the School, Madrasahs, colleges, Universities and other institutes like
IITs, IIMs, IISc, IIESTs, ISIs, NLUs, AIIMSs, NITs, XLRI, BITS, SPA, NID, IIFTs, ICFAI Business
School etc. or studying in various coaching institutes for appearing in different competitive examinations like
Engineering/ Medical/ Law, , IAS, IPS, WBCS, SSC etc.
(c) Aspiring Student will apply online as per the format given at Annexure-I, through a web-based portal to be
maintained by the Higher Education Department through the respective School/ Madrasah/ College/ University/ Institute in which he has got enrolled. The portal will have dashboard for each such student which shall
be accessible to the Institutes concerned, the Department and the Bank.
(d) The interested students should not be aged more than 40 (forty) years at the time of applying for loan.
4 THE KOLKATA GAZETTE, EXTRAORDINARY, JUNE 30, 2021 [PART I
(e) The student applied for the credit card will link preferably their AADHAR Card or the Class X registration
number with the concerned portal while applying to the Higher Education Department through their respective Institution.
(f) The Higher Education Department will forward the applications after due examination to the Bank for sanction and issuance of Credit Card.
(g) The concerned Bank will sanction the applications after due examination and issue the credit card in physical
form based on the recommendation given by the Department and upon complying necessary formalities by
the student/ guardian/ parent as required under RBI guidelines.
(h) There shall be a Nodal officer for maintaining the web-based portal at the Department, Institution and the
Bank level who shall have permission to access the student’s dashboard availing loan under this scheme.
(i) The student concerned needs to upload his progress report card/ statement on completion of each semester/
year examinations.

6. Quantum of loan and documentation: –
(a) Maximum amount of loan available under the Scheme is Rs. 10.00 lakhs at 4% simple rate of interest per
annum, after interest subvention.
(b) For the entire amount of loan sanctioned up to Rs.10.00 Lakh, rate of interest to be charged at prevalent 3-
year MCLR of State Bank of India Plus 1%. The Rate of Interest so fixed on the date of sanction will
remain fixed and calculated at simple rate for the entire duration of the loan.
(c) A student can avail loan under this scheme at any time during the course of study.
(d) The bank concerned shall upload the details of the loan to the Department’s portal immediately after disbursement of the loan and such detail shall be updated by the Bank from time to time.
(e) The loan application should be submitted by the student and the parent/ legal guardian as co-borrower.
(f) Student and Parents/ Legal Guardians will enter into an agreement with the bank.

7. Margin Money:–
(a) Up to Rs. 4.00 Lakhs: NIL
(b) Above Rs. 4.00 Lakhs: 5%
(c) Scholarship/ Assistance ship to be included in Margin.
(d) Margin will be brought in one year to year basis as and when disbursements are made on a pro-rata basis in
applicable cases.

8. West Bengal Student Credit Card Security:–
(a) While sanctioning the loan, the Bank should not put any unnecessary restrictions or conditions regarding
collateral security etc.
(b) The Banks will not insist on any security /collateral security in tangible/ intangible form other than coobligation of the parents/ Legal guardians. The State Government will enter into an agreement with the banks
separately in this regard.

9. Insurance: –

There will be a life cover in the name of the student up to the loan amount sanctioned. The insurance
premium is to be borne by the student and the same may be debited from his Loan account.

10. Mode of Disbursement: –
1. The amount of loan will be credited directly to the designated account of the Institution concerned in case of
payment of course fees and other fees related to the Institution.
2. The amount of loan will be credited to the student’s Bank account for purchasing of Computer/ Laptop/
books/ stationeries/ living expenses etc.

11. West Bengal Student Credit Card Time line: –

There will be time bound action for loan sanctioning and disbursement process. The Higher Education Department and the School Education Department will notify the same after due approval of the competent
authority.

12. Repayment Holiday / Moratorium: –

There will be a moratorium or repayment holiday of one year under this
scheme after completion of the course or one year after getting an employment, whichever is earlier.

13. West Bengal Student Credit Card Repayment: –
(a) Repayment period shall be fifteen (15) years for any loan availed under this Credit Card including the Moratorium/ repayment holiday.
(b) The student or his parent/ legal guardian can repay the loan amount at any time before the stipulated period of
repayment and in case of early repayment there shall be no penalty or processing cost charged by the Bank.
(c) 1% interest concession will be provided to the borrower if the interest is fully serviced during the study
period.
(d) The student or the co-borrower, as the case may be, shall be liable to repay the loan on time as 1st charge.
(e) The loan will be made available at the rate of 4% p.a. simple interest rate per annum to the students. Appropriate subvention of interest rate will be provided by the State Government for all the borrowers during the
entire period of the Loan to restrict the actual rate of simple interest to 4% per annum, at borrower level.

14. Monitoring System:-
The Higher Education Department and the School Education Department will set up a monitoring committee
at the State & District levels to ensure smooth and proper implementation of the scheme & to monitor that the
benefits of the scheme accrue to the students. The committee will oversee the functioning of the scheme being
implemented both in government & private schools/colleges/universities, other educational institutions and
different coaching centres.

15. Public Grievance Redressal System:-
There shall be a public grievance redressal cell headed by a senior government official. Any student having complaint with the services, may either contact at toll free number 1800 102 8014 or mail at support-wbscc@bangla.gov.in

West Bengal Student Credit Card Scheme Frequently Asked Questions (FAQ)

Sl.

No.

Questions

Answers

GENERAL SCHEME RELATED QUERIES : West Bengal Student Credit Card

What is the official website for registration of students under the West Bengal Student’s Credit Card Scheme?

Visit official website for the Higher Education Department https:// banglaruchchashiksha.wb.gov.in or https://wb.gov.in and click on tab STUDENT CREDIT CARD or visit

https://wbscc.wb.gov.in

What is the help desk number relating to SCC scheme? Is there any support mail ID?

State Help Desk no. of the SCC scheme is18001028014 (Toll free) Support mail ID: support-wbscc@bangla.gov.in

Will the student get any confirmation after registration in the portal through SMS or e mail?

Yes, the student will get an SMS in her/his registered mobile number

Which documents are required to be uploaded at the time of filling up of the online form? What will be the size of the uploaded documents?

The following documents are to be uploaded at the time of filling up of online form-

Coloured photograph of the applicant (should be in .jpeg / .jpg and 50 kb at maximum and 20 kb at minimum);

Coloured photograph of the co-applicant / co-borrower (should be in .jpeg /

.jpg and 50 kb at maximum and 20 kb at minimum);

Signature of the student (should be in .jpeg / .jpg and 50 kb at maximum and 10 kb at minimum);

Co-borrower / Guardian’s signature (should be in .jpeg / .jpg and 50 kb at maximum and 10 kb at minimum);

Student’s AADHAR Card (should be in .pdf and 400 KB at maximum and 100 KB at minimum);

Student’s Class 10 Board registration certificate (if no AADHAR card) (should be in .pdf and 400 KB at maximum and 100 KB at minimum);

Guardian’s Address Proof [preferably AADHAR Card] (should be in .pdf and 400 KB at maximum and 100 KB at minimum);

Relevant page of the School/Institution brochure/document detailing the course fee/tution fee(should be in .pdf and 400 KB at maximum and 100 KB at minimum);

Admission Receipt (should be in .pdf and 400 KB at maximum and 100 KB at minimum);

Student’s PAN Card or undertaking in prescribed format (available in the portal), if no PAN.

The uploaded document should be in .pdfformat and of 400 KB size at maximum and 100 KB at minimum);

Guardian’s PAN Card or undertaking in prescribed format (available in the portal), if no PAN (should be in .pdf and 400 KB at maximum and 100 KB at minimum);

Is there any requirement of furnishing the domicile certificate and Caste certificate for filling up the form under the Scheme?

No. There is no need to furnish the copy of domicile certificate and Caste certificate.

Who will be considered as a resident of West Bengal for the purpose of SCC scheme?

Shall any document required to be submitted during application as proof of residence?

If the student or his family is residing in the State of West Bengal at least for a period of 10 (Ten) years preceding the date of application, she/he shall be considered as a resident of the State under this scheme.

Self-declaration by the student as per approved format available in the online application form will be accepted as a proof of residence.

Do I need to send any hard copy of the completed form once the registration and filling up of form is over?

No. However, you can preserve a hard copy for your future reference.

Who may I contact if my college is not helping out?

You can directly contact the Help desk of your Institution or may also contact the State Help Desk (Toll free no. 18001028014, Support mail ID: support- wbscc@bangla.gov.in)

West Bengal Student Credit Card

What is the maximum amount of loan eligible under the scheme?

Maximum amount of loan eligible under the scheme is Rs. 10(ten) lakhs.

10.

What are the items for which loan can be sought?

The loan can be utilized for meeting the cost of the following items-

Course fees payable to the School/College/ University / Professional Institutes/ coaching institute where the student is enrolled for appearing in entrance examination for admission in medical/engineering/law courses or for appearing in UPSC/PSC/SSC etc . This will include tuition fee, fees payable for caution deposit/ building fund /refundable deposit/examination/library/laboratory fees to be supported by Institution’s bills/ receipts.

Fees required for accommodation in hostel or rent/ license fees payable for living outside the hostel or fees required for living as a Paying Guest.

Cost of purchasing books/ Computer/ Lap-top/ Tablet/ equipments etc.

Any other expense required to complete the course such as study tours, project works, thesis etc.

Is there any item-wise cap of expenditure under the loan sanctioned under SCC scheme?

a) Up to 20% of the total loan sanctioned can be used as living expenses for the entire duration of the course and

b) there shall be an upper ceiling of expenditure up to 30% of the total loan sanctioned for non-institutional expenses including the living cost for the whole course of study.

12.

Where will the fund meant for Institutional payment be received?

Amount of loan to meet the expenses for course fee including tution fee and any other amount payable to the Institution will be remitted directly to the bank account of the concerned institution.

13.

Where will the fund meant for non- institutional expenses including living cost for pursuing the course be received?

Amount of loan to meet the expenses for meeting the non-institutional expenses including living costwill be remitted to the registered bank account of the student.

14.

Do I need to get any No Objection certificate from my institution before applying for the loan?

No, there is no need for obtaining any NOC from the institution.

15.

What is the minimum eligibility to apply for loan under the SCC scheme?

Minimum eligibility to apply for the loan under the scheme is Class IX passed from any of the recognized Boards which are active in West Bengal. The applying student is also to be enrolled in Class X or for 10+2 or higher education in any course in any recognised Higher Education Institution or in a coaching institute for appearing in entrance examination for admission in medical/engineering/law courses or for competitive examinations like UPSC/

PSC/SSC etc. for availing loan under SCC scheme. The applying student or his family has to be a resident of the State of West Bengal at least for a period of 10

(Ten) years preceding the date of application.

16.

Can I avail the loan for meeting up the cost towards the course fee of next academic year/semester if I can’t pass

all the papers in the previous academic

year/semester?

Yes, you can apply, but within the ceiling of the sanctioned amount.

17.

Do I have to furnish my scorecard/ marksheet/performance card to the bank after each semester for availing the subsequent loan installments?

The student availing loan under SCC scheme has to submit their documents as per bank requirement.

18.

Can a final year student apply for the Student’s Credit Card Scheme?

Yes, a student can apply for loan under SCC scheme anytime during the course.

19.

Am I eligible to apply for the Student’s Credit Card Scheme if I am a resident of any other State in India?

No. This scheme is applicable only for students whose families are residents of West Bengal at least for last 10(ten) years at the time of application.

20.

Am I eligible to apply for SCC Scheme if I am a resident of West Bengal but studying outside the state?

Yes, you are eligible if you are enrolled in classes X-XII in a school affiliated to any of the recognized Boards active in West Bengal or for higher studies

including professional courses in any recognized Higher Education Institution or in a coaching institute for appearing in entrance examination for admission in medical/engineering/law courses or for competitive examinations like UPSC/ PSC/SSC etc. within or outside West Bengal but within India and your family is residing in West Bengal at least for last 10(ten) years at the time of application under the SCC scheme.

West Bengal Student Credit Card

21.	Am I eligible to apply for SCC Scheme if I am a resident of West Bengal but studying outside India?	Yes, students studying outside India are also eligible to apply for the SCC scheme.
22.	Is there any marks percentage criteria for applying loan in the SCC scheme?	No, there are no marks percentage criteria for applying in the scheme.
23.	Can I surrender the Credit Card after it is issued without availing the loan?	Yes, you can surrender the Credit Card to the lending bank if you so desire.
24.	Is the Credit Card transferrable to my brother or sister?	No, the Credit Card is not transferable.
25.	What, if my card is stolen or lost?	You have to lodge a general diary in the local Police Station and immediately contact the bank.
26.	In case the card is damaged, what is the procedure for issuing a duplicate card?	The student can contact the lending bank for a replacement card.
27.	How I will receive the information to know if my loan application is approved?	You will receive SMS in your registered mobile number.
28.	How I will receive the Student Credit Card if issued to me?	You will receive the Card from the lending bank when sanctioned.
29.	Please provide the details of grievance cell, if any.	For lodging any grievance relating to SCC scheme, you may contact the following- State Help Desk No. 18001028014 Support mail id- support-wbscc@bangla.gov.in
30.	Is international transaction facility available with the credit card?	No, this Credit Card is only for study loan under SCC scheme from approved banks.
31.	Is there any income ceiling for candidates to apply in this scheme?	No. There is no income ceiling for candidates to apply in the SCC scheme.
32.	Is there any age limit to apply for Student’s Credit Card Scheme?	Yes, the applying student should not be aged more than 40 (forty) years at the time of applying for loan.
33.	Are students enrolled in integrated courses of recognized institutions eligible to apply?	Yes, students enrolled in integrated UG/PG courses are eligible to apply under SCC scheme.
34.	Are the Research Scholars/Research Associates/Post doctoral research students eligible to apply for SCC scheme?	Yes, research scholars or research associates or a student pursuing post-doctoral research studies are eligible to apply for SCC scheme.
35.	Are the students pursuing UG/PG/ Diploma courses in distance learning mode eligible to apply for SCC scheme?	No, a student receiving academic instruction in distance learning mode is not eligible to apply.
36.	I am preparing for UPSC/PSC/ SSC examination after finishing my graduation level. I am not enrolled in any academic institution for higher degree but have enrolled in a private coaching institute for the above competitive examination. Am I eligible for loan under SCC scheme?	Yes, you are eligible to apply under SCC scheme if your family is residing in West Bengal at least for last 10(ten) years at the time of application and you are otherwise eligible under the SCC scheme.
37.	I have passed my 10+2 board examination and presently not enrolled in any college for graduation studies. I want to appear for NEET/AIEEE/ WBJEE examination next year and have enrolled myself in a private coaching institute for that purpose. Am I eligible for loan under SCC scheme?	Yes, you are eligible to apply under SCC scheme if your family is residing in West Bengal at least for last 10(ten) years at the time of application and you are otherwise eligible under the SCC scheme.
38.	Can the student apply anytime during the tenure of the course?	Yes, students can apply anytime during the tenure of the course.
39.	Can the students apply in this scheme if she/he gets any scholarship/freeship?	Yes, they can apply. However, the amount of scholarship received shall be adjusted against the 5% applicable Margin Money if the amount of loan sanctioned under SCC scheme is above 4(four) lakhs.

West Bengal Student Credit Card

40.	Whether the Photograph in Black & White is acceptable for applying online under the Scheme?	Only colour photograph is required to be uploaded.
41.	What is the size of the Photograph for student/guardian/co-borrower?	Sizes of the photographs and the documents to be uploaded have been mentioned at the appropriate place of the application form as well as in the user manual.
42.	While applying for the scheme, I uploaded image of my photograph but it is not showing in the application form. How can I resolve the issue?	You have to call the State Help Desk (toll free no. 18001028014 and/ or send a mail to support-wbscc@bangla.gov.in with your application ID.
BANK RELATED QUERIES : West Bengal Student Credit Card
43.	Which bank will issue the credit card and sanction loans under SCC scheme?	The State Co-operative Banks or Central Co-operative Banks or District Central Co-operative Banks or any other Public and Private sector Banks shall be authorized to issue the credit card and sanction loans under SCC scheme.
44.	Which branch of the Bank will be my lending branch?	You have to choose from the drop down menu of the portalthe bank branch of your choice within the district of your permanent residence.
45.	What is the mode of credit under the SCC scheme? Term loan or cash credit?	Under SCC scheme, loan is sanctioned as a term loan.
46.	Is there any margin money against the loan?	Up to Rs. 4.00 Lakhs of loan sanctioned, there shall be no margin money. If the amount of loan is above Rs. 4.00 Lakhs, there shall be 5% margin money. Scholarship/Assistance ship will be included in the Margin.
47.	Is there any provision for furnishing collateral security?	There will be no collateral security for loan up to the ceiling of 10(ten) lakh sanctioned under SCC scheme.
48.	Is the applicant required to enter into an agreement with the bank for availing the loan under this scheme?	Yes, a joint loan agreement between bank and the student and co-borrower is to be executed before availing the loan.
49.	What is the interest rate for availing loan under SCC scheme?	There shall be 4% simple rate of interest per annum. There shall be an interest concession @ 1% to the borrower if the interest is fully serviced during the study period.
50.	Is there any moratorium period for repayment of loan?	There shall be a moratorium or repayment holiday of 1(one) year after completion of the course or getting employment, whichever is earlier.
51.	Is interest applicable during the moratorium period?	Yes, interest will be charged at 4% simple rate during the moratorium period.
52.	What shall be the repayment period?	Repayment period shall be 15(fifteen)years’ for any loan availed under this Credit Card Scheme including the Moratorium/ Repayment Holiday from the date of disbursement of first installment of loan.
53..	Shall I get any rebate if I repay the loan within stipulated period?	There shall be an interest concession @ 1% to the borrower if the interest is fully serviced during the study period.
54.	Is there any processing fee/penalty for pre-payment of loan?	No, there will be no processing charges/penalty for pre-payment.
55.	Is there any processing fee before sanction of loan?	No
56.	Shall the loan be repayable on EMI basis?	Yes, the loan shall be repaid in Equated Monthly Installments.
57.	Is there any life coverage under SCC scheme?	There will be a life cover in the name of the student up to the loan amount sanctioned. The insurance premium is to be borne by the student which shall be debited from his loan account.
58..	Is there any requirement to furnish the details of co-borrower?	Yes, it is mandatory to apply jointly for the loan under SCC scheme.
59..	What to do if the approved loan amount is to be enhanced anytime during the course period?	There will be provision in the portal for enhancement of loan over the sanctioned amount, within the ceiling limit of 10 lakhs.
60.	I am eligible student for the Scheme of WBSCC. I don’t have any bank account in State Co-Operative Bank. Can I apply?	Account in Co-Operative Bank is not mandatory. You need to have a major bank account in any recognized bank.

TECHNICAL (PORTAL-RELATED) QUESTIONS : West Bengal Student Credit Card
61.	If I need to change my e mail id/ any other personal information after registration, what is the procedure?	The student has to contact the State Help Desk (Toll-free number: 18001028014) and send an e-mail to the support mail ID support-wbscc@bangla.gov.inwith Aadhar card number or Class X registration number, if no Aadhar card.
62.	Who will verify the credentials of the student?	Concerned institution in which the student is enrolled will verify the documents.
63.	Is there any option in the portal to edit the details of the application before submission?	Yes, edit option is available in the portal as long as students do not finally submit the form. But once it is submitted, no option for editing will be available.
64.	In case editing is required after submission, what can be done?	Student has to contact the State Help Desk (Toll-free number: 18001028014) or may be required to send an e-mail to the support mail ID support-wbscc@ bangla.gov.in
65.	What if I forget my login/password after registration?	There is provision to recover the user ID/login password in the portal.
INSTITUTION-RELATED QUESTIONS
66.	I am student of Private Engineering College out- side the State of West Bengal studying in U.G. program. Can I apply for the Scheme?	Yes, you can apply if your family is residing in West Bengal for a period of 10(ten) years at the time of application under the SCC scheme, your institution is recognized and you are otherwise eligible as per the scheme.
67.	I am studying in U.G. Degree program in Govt. engineering College in another State. Am I eligible?	Yes, you can apply if your family is residing in West Bengal for a period of 10(ten) years at the time of application under the SCC scheme, your institution is recognized and you are otherwise eligible as per the scheme.
68.	I am a UG student enrolled in a deemed University. Can I apply for the Scheme?	Yes, you can apply if your family is residing in West Bengal for a period of 10(ten) years at the time of application under the SCC scheme.
69.	I am studying in Private Engineering College in West Bengal I don’t have the PAN Card, so also my parents. How can I apply for the Scheme?	Yes, you can apply. But an undertaking is to be submitted that you will submit the required documents to bank during loan disbursement.
70.	I am student of Degree Level Hotel Management College in West Bengal, but the College is not approved by the AICTE. Am I eligible for the Scheme?	Yes, you can apply if your family is residing in West Bengal for a period of 10(ten) years at the time of application under the SCC scheme, and your institution is affiliated to any State-aided University in West Bengal and you are otherwise eligible as per the scheme.
71.	I am studying in NIT (National Institute of Technology) in another State. The Institution does not have NIRF Rank. Am I eligible for the Scheme?	Yes, you can apply for the scheme if you or your family is residing in West Bengal for a period of 10(ten) years at the time of application, your institution is recognized and you are otherwise eligible as per the scheme. Ranking of the Institution is not a determinant factor for sanction of loan under SCC scheme.
72.	I am a student of Private Engineering College outside West Bengal. But the name of my College is not available in drop down List. How can I apply?	You have to send a mail to sccoutwb@gmail.com OR support-wbscc@bangla. gov.in for support.
73.	I am student of U.G. Engineering programme in a Private University in West Bengal. The University is UGC recognized but not approved by the AICTE. Am I eligible for the Scheme?	Yes, you can apply if you or your family is residing in West Bengal for a period of 10(ten) years at the time of application under the SCC scheme, your institution is recognized and you are otherwise eligible as per the scheme.
74.	I am a Ph. D. student of Engineering in NIT in another State. Can I apply for the scheme?	Yes, you are eligible if your family is residing in West Bengal for a period of 10(ten) years at the time of application, your institution is recognized and you are otherwise eligible as per the scheme.
75.	I am a WB resident student studying Engineering in the State of Tripura. Am I eligible for loan for my residence in private accommodation in Tripura?	Yes, you can apply if your family is residing in West Bengal for a period of 10(ten) years at the time of application, your institution is recognized and you are otherwise eligible as per the scheme.
76.	I am enrolled in a 3 years’ AICTE approved Diploma Engineering course in West Bengal. I completed Madhyamik /ICSE but am not ‘10+2’ passed. Am I eligible for the SCC Scheme?	Yes, you can apply if your family is residing in West Bengal for a period of 10(ten) years at the time of application, your institution is recognized and you are otherwise eligible as per the scheme.

77.

I am studying in West Bengal Self Financing Engineering program admitted through Tuition Fee Waiver (TFW) Scheme. Am I eligible for the scheme?

Yes, you can apply if your family is residing in West Bengal for a period of 10(ten) years at the time of application, your institution is recognized and you are otherwise eligible as per the scheme.

78.

I am engineering student in West Bengal and receiving SVMCM Scholarship. Am I eligible for the scheme?

Yes, you can apply if your family is residing in West Bengal for a period of 10(ten) years at the time of application, your institution is recognized and you are otherwise eligible as per the scheme.

Part of your scholarship amount will however, may be adjusted against the 5% margin money applicable, if the amount of loan sanctioned under SCC scheme

is above 4(four) lakh.

79.

I am a Final Year student of 4 years’ degree Engineering programme. Am I eligible for the scheme?

Yes, you are eligible to apply for loan under SCC scheme.

80.

I have completed my 4 years’ degree in Engineering from self-financing college in West Bengal with personal loan. Can I apply for re-imbursement/repayment of such educational loan?

No, you can only avail loan under this scheme if you are currently enrolled in any approved course under the scheme. Also, there is no provision for repayment of any other loan from the amount sanctioned under this scheme.

81.

What is AISHE Code? What is NIRF? What is NAAC accreditation?

It is an identification code for an Educational Institution. AISHE stands for ‘All India Survey of Higher Education’ in which all affiliated institutes should enroll for accreditation and ranking of the institute. NIRF is status of institute ranking, NAAC is a process of accreditation of the institute.

82.

I am studying in a private Engineering College in Comp. Science & Engineering outside the State of

West Bengal. My institution does not have any NAAC accreditation or NIRF Rank. But the program is

NBA accredited. Am I eligible for the

scheme?

Yes, you are eligible if your family is residing in West Bengal for a period of 10(ten) years at the time of application, your institution is recognized and you are otherwise eligible as per the scheme.

83.

I have completed AMIE in Civil/ mechanical/ Electrical Engineering and pursuing Post graduation in Engineering College in West Bengal. Am I eligible for the scheme?

84.

I am a student of ITI under the Technical Education & Training Department of the State Government. Am I eligible to apply for SCC scheme?

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