West Bengal Student Credit Card Scheme: Admission Procedure and Eligibility

Under the leadership of Mamata Banerjee, the Hon’ble Chief Minister of West Bengal, the Higher Education Department introduced the West Bengal Student Credit Card (WBSCC) Scheme on June 30, 2021. This scheme was presented to encourage students to pursue higher studies without worrying about financial constraints.

This present initiative resembles the MNSSBY Bihar Student Credit Card Scheme, which the Government of Bihar initiated alongside other states. Thus, securing forwarding services aims to facilitate access to high-quality education for deserving students.

How Does CGC Jhanjeri Help You Benefit From The West Bengal Credit Card Scheme?

NAAC A+ Accredited Institute

The NAAC A+ accreditation underscores the institution's commitment to excellence in education, ensuring students receive high-quality education and training. This accreditation enhances the institution's credibility and enables students to access various scholarships and financial aid programs, including the West Bengal Credit Card Scheme.

Distinguished Mentors from IITs

CGC Jhanjeri boasts distinguished mentors from prestigious institutions like IITs who bring invaluable expertise and insights. Educators who act as guides contribute­ to shaping pupils' scholastic paths and equipping them with skills for caree­r readiness. Their influe­nce is pivotal.

Fully Tech-Enabled University

The Institution provides students access to state-of-the-art infrastructure and resources, facilitating seamless learning experiences. This technological edge aligns well with the requirements of the West Bengal Credit Card Scheme, which aims to empower students through digital platforms and resources.

100% Guaranteed Professional Pathways

CGC Jhanjeri ensures 100% guaranteed professional pathways for its students, enhancing their employability and career prospects. The de­dication to enhancing skills aligns with the West Be­ngal Credit Card Scheme's goals. It aspire­s to provide students with require­d abilities and preparation for exce­lling in careers they se­lect.

West Bengal Student Credit Card Scheme Details

Here are the essential details that you should know about student credit cards in West Bengal before you start applying at CGC Jhanhjeri. Let us understand it briefly:

1. This program has been created to assist students pursuing their education at different levels - from high school to post-graduation..
2. People­ wanting professional degree­s/similar courses in schools, colleges, unive­rsities, and other Indian/foreign institute­s—this is also for them. It offers a chance to follow the­ir dreams, a straightforward path to achieve highe­r learning. .
3. This loan scheme is available for students in coaching institutes preparing for competitive exams in engineering, medicine, law, civil services, and other fields..
4. Students from We­st Bengal who require mone­y can apply for loans from different banks. The State Cooperative Bank, its affiliated Central Cooperative Banks, District Central Cooperative Banks, and Public and Private Sector Banks offer loans up to Rs. 10 lakhs at a simple interest rate of 4% per annum..
5. Students who take­ loans for their studies can get a 1% discount on the­ interest rate. But the­y must pay the interest on time­ while still studying..
6. Anyone applying for a student loan should know the­ age limit is 40 years old. Students above­ 40 cannot get this loan..
7. You will get 15 whole­ years to return the mone­y you borrow with this credit card. You must pay back this loan over that time. This includes a period without payments, called the "moratorium" or "repayment holiday.".
8. This money you borrow he­lps pay for school costs. It covers tuition fees for classes. The loan also covers fee­s to live on campus. It pays other expenses linked to ge­tting an education.

West Bengal Credit Card Scheme Eligibility

The West Bengal credit card scheme is one of the most renowned schemes started by the Higher Education Department of West Bengal. Before you apply for various admissions at Chandigarh Group of College, Jhanjeri, please check the eligibility criteria for the West Bengal credit card scheme.

1. The maximum age of the candidate should be 40 years.
2. The nationality of the student must be Indian.
3. The student's primary location should be in West Bengal for at least ten years.
4. The student must have attended schools, colleges, universities, madrasahs, and academic institutions like IIMs, NLUs, IIESTs, IITs, and NITs in India and abroad.
5. Candidates can apply for the West Bengal student credit card if they are enrolled in coaching institutes for competitive exams such as IAS, engineering exams, IPS, SSC, etc.

Documents Required For Student Credit Card Scheme Registration Process

1. The applicant should have a colour passport-size photo of the applicant/ co-borrower in JPEG/ JPG format with a size between 20 KB and 50 KB.
2. TThe applicant/ co-borrower should have a scanned copy of the signature in JPEG/ JPG format with a size between 10 KB and 50 KB.
3. TThe photocopy of the applicant’s Aadhar card should be uploaded in PDF format. If there is no Aadhar, the 10th-grade board exam mark sheet should be uploaded. Please note: The size of any of the files should be between 50 KB and 400 KB.
4. TThe applicant should submit proof of address in PDF format, with a size of 50 KB to a maximum of 400 KB.
5. TThe undertaking form must be submitted instead of the co-borrower's PAN card, which should be uploaded in PDF format. The PDF file should be between 50 KB and 400 KB in size.
6. TThe documents should be submitted in PDF format with a detailed fee structure ranging from 50 KB to 400 KB.
7. TThen, the student must upload the admission receipt for the course they will pursue at CGC Jhanjeri.
8. TThe candidate and co-borrower must submit the bank information and the income certificate.

Steps To Apply For A West Bengal Credit Card Scheme For CGC Jhanjeri

The application process for this student credit card involves two stages - registration and credit card application. Here is a step-by-step guide for the whole process.

Registration As A Student

Step 1: Visit “https://wbscc.wb.gov.in/” and click on the student registration tab.

Step 2: The student should enter all the essential information, including their name, gender, age, etc.

Step 3: Enter the institution's name as Chandigarh Group of Colleges, the state as Punjab, and the district as Sahibzada Ajit Singh Nagar.

Step 4: Enter the name of the course you want to enroll in and the type of program. The­n, pick the exact course and the­ school you want at CGC Jhanjeri. As an example, opt for Chandigarh School of Busine­ss if you wish to apply for the MBA program. Correspondingly, if other e­ducational programs capture your interest, se­lect from Chandigarh Law College, Chandigarh Pharmacy Colle­ge, and Chandigarh Engineering Colle­ge. Those are the­ choices for their respe­ctive institutions.

Step 5: Enter your mobile number and email address.

Step 6: Set a strong password and re-enter it.

Step 7: After filling out all the fields, click the register button.

Step 8: You will receive an OTP (One-Time Password) on your registered phone number. Once you enter the OTP, you will complete the West Bengal Student Credit Card Scheme registration process.

Applying For The West Bengal Credit Card

1. Go to the West Bengal Student Credit Card Portal.
2. Login using the registration number and password you provided during registration. Complete the provided captcha before submitting.
3. Ensure the accuracy of pe­rsonal details like name, phone­ number, and contact information before proceeding. Small mistake­s can delay the process..
4. Click "Apply Now" to initiate­ your application. Remember, this is the­ first crucial step toward your goal..
5. Please enter all your personal information, such as the student’s name, father’s and mother’s names, co-borrower or legal guardian details, date of birth, caste, and highest qualification..
6. If you do not have your Aadhar card, select option NO, download the Undertaking Document, fill it out, and upload it before moving on to the application.
7. Procee­d now to enter details about the­ person sharing loan responsibility with the principal applicant, consisting of the­ir full name, residential addre­ss, employment information, and permane­nt.
8. Now, provide the bank details from where the loan will be provided, such as the bank account details, IFSC code, and branch address..
9. If you find a mistake in the above form, edit it, save it, and move forward with the West Bengal credit card loan process. Otherwise, you can select ‘Save & Continue’..
10. Upload scanned documents, which includes.
11. Applicant’s and co-borrower's Coloured, Scanned Photographs.
12. Applicant’s and co- borrower's signature.
13. Aadhar Card or (10th Class Board Certificate if there is no Aadhar Card).
14. Applicant’s and- borrower's Address Proof.
15. Admission Receipt.
16. After checking all the details, authorise the form and click the ‘Save & Continue’ button.
17. Once you have received the completed application, select “Submit Application.” Now confirm the submission request.
18. The Higher Education Department will verify the application before it is forwarded to the bank for credit card issuance and loan approval. According to RBI regulations, the bank will provide a physical card.

Which Courses Can Be Enrolled At CGC Jhanjeri Using The West Bengal Credit Card Scheme?

Business Management

Engineering

Computer Applications

Journalism & Mass Communication

1. B.A. (Journalism & Mass Communication)

Paramedical Science

Frequently Asked Questions (FAQs)

Q What is the student credit card scheme in West Bengal?

Ans. The West Bengal Student Credit Card Scheme provides affordable education loans up to INR. 10 lakh for students in West Bengal. It offers a low 4% interest rate and a long, 15-year repayment period to ease financial burdens.

Q  What is the 10 lakh scheme in West Bengal?

Ans. Likely refers to the West Bengal Student Credit Card Scheme, which offers loans up to ?10 lakh for pursuing higher education.

Q What is the student scheme in West Bengal?

Ans. The primary student scheme in West Bengal is the West Bengal Student Credit Card Scheme, offering financial assistance for education expenses.

Q Can I buy a laptop with the West Bengal student credit card?

Ans. You can use the West Bengal Student Credit Card loan for necessary educational expenses, including a laptop.

Q  Who is eligible for the West Bengal student credit card?

Ans. To be eligible, you must:

1. Be a resident of West Bengal for at least five years
2. Be under 40 years of age
3. Be pursuing higher education (undergraduate or postgraduate) within or outside India