WB Student Credit Card: उच्च शिक्षा के लिए ₹10 लाख लोन

Student Credit Card Scheme (स्टूडेंट क्रेडिट कार्ड योजना) पश्चिम बंगाल सरकार की एक क्रांतिकारी पहल है, जिसका उद्देश्य है छात्रों को उच्च शिक्षा के लिए कम ब्याज दर पर ऋण (loan) प्रदान करना। इस योजना के अंतर्गत छात्र ₹10 लाख तक का लोन प्राप्त कर सकते हैं जिसे वे अपनी पढ़ाई, कोचिंग, परीक्षा फीस, लैपटॉप, हॉस्टल आदि पर खर्च कर सकते हैं।

उद्देश्य

आर्थिक कारणों से पढ़ाई में रुकावट न हो
छात्र स्वावलंबी बनें और उच्च शिक्षा प्राप्त करें
तकनीकी, व्यवसायिक और कोचिंग संस्थानों में भी सहायता संभव हो

पात्रता मानदंड (Eligibility)

मापदंड	विवरण
निवास	पश्चिम बंगाल का स्थायी निवासी
शिक्षा स्तर	कक्षा 10 के बाद किसी भी मान्यता प्राप्त संस्थान में पढ़ाई कर रहे छात्र
उम्र सीमा	आवेदन के समय अधिकतम 40 वर्ष
मान्यता	WBCHSE, CBSE, ISC, राज्य/राष्ट्रीय विश्वविद्यालय, AICTE/UGC/MCI/NMC आदि से संबद्ध

लाभ: कितना ऋण और किन उद्देश्यों के लिए

प्रकार	विवरण
ऋण सीमा	अधिकतम ₹10 लाख
ब्याज दर	4% प्रति वर्ष (सरकार द्वारा सब्सिडी के बाद)
राशि उपयोग के क्षेत्र	ट्यूशन फीस, कोचिंग फीस (JEE, NEET, UPSC, etc.), हॉस्टल, किताबें, लैपटॉप, थिसिस सबमिशन, प्रोजेक्ट वर्क आदि
चुकाने की अवधि	कोर्स पूरा होने के बाद 15 साल तक

आवेदन प्रक्रिया (100% ऑनलाइन)

स्टेप-बाय-स्टेप आवेदन:

पोर्टल पर जाएँ: https://wbscc.wb.gov.in
“Student Registration” पर क्लिक करें
आधार कार्ड, मोबाइल नंबर, ईमेल और अन्य जानकारी से फॉर्म भरें
दस्तावेज़ अपलोड करें (PDF/JPEG)
विद्यालय/कॉलेज द्वारा वेरिफिकेशन
बैंक द्वारा स्वीकृति और राशि रिलीज़

आवश्यक दस्तावेज़

आधार कार्ड
पासपोर्ट साइज फोटो
आय प्रमाण पत्र (परिवार का)
पते का प्रमाण (वोटर ID / राशन कार्ड)
स्कूल/कॉलेज बोनाफाइड सर्टिफिकेट
पिछली परीक्षा की मार्कशीट
कोर्स फीस स्ट्रक्चर
सह-उधारी (Co-borrower) के रूप में अभिभावक का KYC

लोन भुगतान (Repayment)

पढ़ाई खत्म होने के एक साल बाद से EMI शुरू
अधिकतम 15 वर्षों में भुगतान पूरा करना
आवश्यकता पड़ने पर मोराटोरियम (EMI टालना) की सुविधा भी मिलती है

संपर्क व सहायता

सेवा	विवरण
पोर्टल	https://wbscc.wb.gov.in
हेल्पलाइन	1800-102-8014 (Toll-Free)
ईमेल	support-wbscc@bangla.gov.in
ऑफलाइन सहायता	Bangla Sahayata Kendra (BSK), कॉलेज कार्यालय, जिला शिक्षा विभाग

सारांश – Student Credit Card Scheme

विशेषता	विवरण
अधिकतम ऋण	₹10 लाख
उम्र सीमा	अधिकतम 40 वर्ष
उपयोग	उच्च शिक्षा, कोचिंग, किताबें, लैपटॉप आदि
चुकाने का समय	15 वर्ष तक
ब्याज दर	4% (सरकारी सब्सिडी के बाद)
पोर्टल	wbscc.wb.gov.in

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