Almost every student wants to pursue higher education but due to poor financial conditions, there are many students who are not able to fulfill their dream of getting higher education. In order to ensure the availability of higher education among all the students, the government launches various kinds of schemes. Today we are going to tell you about such a scheme launched by the West Bengal government called the West Bengal Student Credit Card Scheme. Through this scheme, students will be provided loans for higher education. By reading this article you will grab all the required information regarding this scheme like what is the West Bengal student credit card ? its objective, benefits, features, eligibility criteria, required documents, application procedure, etc. So if you want to get all the important information regarding this scheme then you are requested to read this article very carefully till the end.
About West Bengal Student Credit Card Scheme
The chief minister of West Bengal Mamata Banerjee has launched the West Bengal Student Credit Card Scheme. The decision to launch this scheme was taken in a state cabinet meeting which was held on 24th June 2021. Through this scheme students studying in class 10th or above can take a loan up to Rs 10 lakh for higher studies. This loan will be available to them at a very low rate of interest. For availing of the benefit of this loan, students will be provided a credit card. With the help of this credit card, students can withdraw the amount of loan. All those students who have been living in West Bengal for the last 10 years can take benefit from this scheme. Under this scheme, loans can be availed for undergraduate, postgraduate, doctoral, and postdoctoral studies in India or abroad.
West Bengal Student Credit Card Scheme Launched
The government of West Bengal has launched the West Bengal student credit card scheme on 30th June 2021. This scheme has been launched in order to provide loans to students for their education. Various meetings are being held with colleges in order to explain the action plan of this scheme. The department of Higher Education will soon release an official order to launch the West Bengal student credit card scheme. The maximum limit of this loan is Rs 10 lakh. This loan can use for pursuing studies in India and abroad. This scheme was a part of the election manifesto made by current Chief Minister Mamata Banerjee.
Interest Rate Under West Bengal Student Credit Card Scheme
All those students who are studying in class 10th and above can take the benefit from the West Bengal student credit card scheme. Through this scheme, students can avail a hassle-free and collateral-free loan with a nominal interest of 4%. This loan will be provided without any security or collateral security in a tangible or intangible form other than the co-obligation of parents. The repayment period for this loan is 15 years. The institution and department of higher Education will send the application of students to the bank. Students can use the loan amount for institutional as well as non-institutional expenses like rent, hostel fees, study tours, projects, etc
Repayment Period Of West Bengal Student Credit Card
The scheme was a part of the election manifesto of Trinamool Congress. Students can take the benefit from this scheme up to 40 years of age. After getting a job the students Have To repay the loan within a period of 15 years. It is also worth noting that the procedure to apply for a loan will be made easy so that students can easily take loans. Students can also apply for a credit card online. West Bengal Student Credit Card Scheme will be officially launched on 30th June 2021. Now the students of West Bengal will be able to get higher education despite their financial conditions.
Key Highlights Of West Bengal Student Credit Card
| Name Of The Scheme | West Bengal Student Credit Card |
| Launched By | Government Of West Bengal |
| Beneficiary | Students Of West Bengal |
| Objective | To Provide Loans For Higher Education |
| Official Website | To Be Launched Phone or Click Here |
| Year | 2021 |
| Amount Of Loan | Upto Rs 10 Lakh |
| Repayment Period | 15 Years After Getting Job |
| State | West Bengal |
| Application Type | Online/Offline |
Objective Of West Bengal Student Credit Card Scheme
The main objective of the West Bengal Student Credit Card is to provide loans to students for higher education. Through this scheme loans up to Rs, 10 lakh will be provided to students which will help them to pursue their higher education without thinking about the financial burden. Now each and every student of West Bengal will be able to get higher education. This scheme will also reduce the unemployment rate among the citizens of West Bengal as now more students will be able to get education and employment.
West Bengal Kanyashree Prakalpa
Benefits And Features Of West Bengal Student Credit Card
- The chief minister of West Bengal Mamata Banerjee has launched West Bengal Student Credit Card Scheme
- Through this Scheme, students will be provided educational loans up to Rs 10 lakh for higher studies
- The decision to launch this scheme was taken in a state cabinet meeting which was held on 24 June 2021
- Students studying in class 10th or above will be able to take benefit of this scheme
- The loan provided through this scheme will be available at a very low rate of interest
- In order to get the number of loans students will be provided a credit card
- Through this credit card, students can withdraw the amount of loan
- All those students who are living in West Bengal for the last 10 years can take benefit of this scheme
- West Bengal Student Credit Card can also be availed for undergraduate, postgraduate, doctoral, and postdoctoral studies in India or abroad
- This scene was a part of the election manifesto of Trinamool Congress
- The benefit of this scheme can avail till 40 years of age
- After getting job students to have to repay the amount of the loan within a period of 15 years
Eligibility Criteria Of West Bengal Student Credit Card
- The applicant must be permanent resident of West Bengal
- Applicant must be living in West Bengal for a period of at least 10 years
- The upper age limit to apply for this scheme is 40 years
Required Documents To Apply For West Bengal Student Credit Card Scheme
- Aadhar card
- Residence certificate
- Age proof
- Ration card
- Income certificate
- Bank account details
- Mobile number
- Passport size photograph
Procedure To Apply For West Bengal Student Credit Card Scheme
If you want to apply for West Bengal student credit card scheme then you have to follow the steps given below:-
- First of all you have to go to State cooperative Bank or its affiliated Central cooperative bank or district Central cooperative bank or public or private sector bank
- Now you have to take the form of the West Bengal student credit card scheme from there
- After that, you have to fill in all the required details in this form like your name, mobile number, email id, etc
- Now you have to attach all the required documents to this application form
- After that, you have to submit this form to the same bank from where you have taken it
- By following this procedure you can apply for the West Bengal student credit card scheme
- The bank authorities will provide you a reference number
- Through this reference number, you can track the status of your application.
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