WB स्टूडेंट क्रेडिट कार्ड योजना: ₹10 लाख तक शिक्षा लोन

West Bengal Student Credit Card Scheme (पश्चिम बंगाल स्टूडेंट क्रेडिट कार्ड योजना)

(उच्च शिक्षा हेतु युवाओं के लिए आर्थिक सहायता योजना)

पश्चिम बंगाल स्टूडेंट क्रेडिट कार्ड योजना राज्य सरकार की एक प्रमुख योजना है, जिसके माध्यम से छात्र ₹10 लाख तक का एजुकेशन लोन बहुत ही आसान शर्तों पर प्राप्त कर सकते हैं। इसका उद्देश्य है कि कोई भी छात्र आर्थिक बाधा के कारण पढ़ाई से वंचित न हो।

उद्देश्य (Objective)

छात्रों को उच्च शिक्षा, प्रतियोगी परीक्षा, तकनीकी व व्यावसायिक कोर्स के लिए वित्तीय सहायता देना।
कम ब्याज दर पर शिक्षा ऋण देकर शिक्षा को सुलभ और समावेशी बनाना।

पात्रता (Eligibility)

मापदंड	विवरण
📍 निवास	पश्चिम बंगाल का निवासी (कम से कम 10 वर्ष से)
🎓 शिक्षा	10वीं पास और उच्च शिक्षा कर रहा छात्र
📆 आयु सीमा	अधिकतम 40 वर्ष
🏫 संस्थान	भारत या विदेश के मान्यता प्राप्त संस्थान
💡 कोर्स	General, Technical, Professional, Vocational (ITI, MBBS, Engineering, UPSC, CA आदि)

लाभ (Loan Details)

विषय	विवरण
💳 ऋण राशि	अधिकतम ₹10 लाख
📈 ब्याज दर	मात्र 4% (सरकारी सब्सिडी के बाद)
💵 राशि उपयोग	फीस, हॉस्टल, किताबें, लैपटॉप, स्टेशनरी, कोचिंग फीस
🕒 भुगतान समय	कोर्स पूरा होने के बाद 15 वर्षों तक आसान किस्तों में चुकाया जा सकता है
👨‍👩‍👧‍👦 संयुक्त उधारकर्ता	छात्र के माता/पिता या अभिभावक

आवेदन प्रक्रिया (How to Apply)

🔗 वेबसाइट: https://wbscc.wb.gov.in

स्टेप-बाय-स्टेप प्रक्रिया:

वेबसाइट पर जाएं → "Student Registration" पर क्लिक करें
अपना नाम, जन्मतिथि, शिक्षा विवरण भरें
लॉगिन बनाकर फॉर्म भरें (फोटो, आधार, संस्थान का नाम, बैंक डिटेल आदि)
आवेदन पत्र का प्रिंट निकालकर विद्यालय/कॉलेज में जमा करें
संस्थान सत्यापन के बाद बैंक को भेजा जाता है
बैंक द्वारा लोन स्वीकृत और वितरण किया जाता है

आवश्यक दस्तावेज़ (Required Documents)

पासपोर्ट साइज फोटो
आधार कार्ड / वोटर ID
शिक्षा प्रमाणपत्र (10वीं, 12वीं, ग्रेजुएशन)
एडमिशन लेटर / फीस स्ट्रक्चर
पते का प्रमाण पत्र (Ration Card / Utility Bill)
अभिभावक की ID और इनकम प्रूफ
बैंक पासबुक की कॉपी

संपर्क और हेल्पलाइन

सेवा	विवरण
🌐 पोर्टल	wbscc.wb.gov.in
📞 हेल्पलाइन	1800-102-8014 (टोल फ्री)
📧 ईमेल	contactwbscc@gmail.com
🏢 ऑफिस	Student Credit Card Cell, Higher Education Department, WB
📍 सहायता केंद्र	आपके कॉलेज / विश्वविद्यालय में Nodal Officer होता है

West Bengal Student Credit Card Scheme – संक्षेप में

विषय	विवरण
योजना नाम	स्टूडेंट क्रेडिट कार्ड योजना
अधिकतम ऋण	₹10 लाख
ब्याज दर	4% (सरकारी सब्सिडी)
भुगतान अवधि	15 वर्ष (कोर्स पूरा होने के बाद)
पात्रता	10वीं पास, 40 वर्ष तक
वेबसाइट	wbscc.wb.gov.in

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