West Bengal Students Credit Card


All students wish to pursue higher education but sometimes as a result of financial difficulties, many students are unable to fulfil their dream. Under the visionary leadership of Smt. Mamata Banerjee, Hon’ble Chief Minister, West Bengal, the Higher Education Department, Government of West Bengal launched the West Bengal Student Credit Card Scheme (WBSCC) in June 2021 for the students of West Bengal to enable them to pursue education without having any financial constraints.

This scheme enables students to pursue secondary, higher secondary, madrasah, undergraduate and post-graduate education 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 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 is 40 (forty) years at the time of applying for loan. The repayment period is 15 (fifteen) years for a loan availed under this scheme including the Moratorium period / repayment holiday.





LOAN AMOUNT CALCULATION:

1. Required loan amount (calculated as per Course Fees of College and Non-institutional expenses, if any)
2. Course Fees of Present and Subsequent Semesters
3. Upload relevant page of College Brochure / Course Fee Document of College


Institutional Expenses:
Course Fees as per College Brochure / Course Fee Document

Non-Institutional Expenses:
1. 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
2. Cost of purchasing books/ Computer/ Lap-top/ Tablet/ other equipment
3. Any other expense required to complete the course such as study tours, project works, thesis etc.
4. All expenses must be supported by Bills, Receipts, and Documents etc. for Bank verification.





DOCUMENTS REQUIRED:

1. Colour Photograph of the Student and co-borrower.
2. Signature of the student and co-borrower.
3. AADHAAR Card and in case of NO AADHAAR, Registration number of last examination.
4. PAN Card of the student and in case of NO PAN Card, Undertaking to be uploaded.
5. AADHAAR Card / EPIC as address proof of Co-borrower. Photocopies of both sides must be uploaded.
6. PAN Card of Co-borrower.
7. Admission Receipt in College.
8. Relevant page of the Brochure / Document of College detailing Course Fee.


Details of the Scheme are available in the WBSCC Portal:
Link: https://wbscc.wb.gov.in/




WBSCC : COLLEGE OFFICERS:

Sl. No. Name of the Officer Designation Designation in College WBSCC Scheme
1 Dr. Aditi Sengupta Associate Professor, Department of English,
Azad Hind Fouz Smriti Mahavidyalaya
Phone: 9830179898
Nodal Officer
2 Dr. H. M. Kutub Uddin Assistant Professor, Department of Geography,
Azad Hind Fouz Smriti Mahavidyalaya
Phone: 8420063530
Help Desk Officer
WBSCC : AWARENESS PROGRAMMES

Academic Session No. Date Type of Programme Programme Report
2021-2022 1 20.12.2021 Awareness Camp in College View / Download
2022-2023 2 27.09.2022 WBSCC Leaflet distribution in College View / Download
3 4.11.2022 B.A. / B. Com. General students' visit to “Duare Sarkar” Camp at Makardah Bamasundari Institution (Howrah)
4 21.11.2022 B.A. / B. Com. Honours students' visit to “Duare Sarkar” Camp at Salap Vivekananda Institution (Howrah)
5 5.1.2023 WBSCC Camp in College during Students' Week celebration (2023)
2023-2024 6 3.8.2023 WBSCC Awareness Camp in College before visit to "Duare Sarkar" Camp (August, 2023) View / Download
7 7.8.2023 Students' visit to “Duare Sarkar” Camp at Domjur BDO Office and Domjur (Howrah)
8 14.9.2023 WBSCC Camp Awareness Camp in College (Department of English)
9 16.9.2023 WBSCC Camp Awareness Camp in College (Department of History)
10 4.1.2024 WBSCC Camp in College during Students' Week celebration (2024)
WBSCC : LOAN APPLICANTS FROM COLLEGE

Sl. No. Applicants Number WBSCC Portal Report
1 Students who Registered but did not apply for Loan 48 View / Download
2 Students who Registered and applied for Loan 22
3 Loan Applications returned by District Nodal Officer (DNO) 7
4 Loan Applications returned by Head of the Institution (HOI) 14
5 Students whose Loan was sanctioned 1

Quick Contact

Address: Howrha-Amta Road, Domjur, Howrha, WB – 711405, India

(033) 2670-0838

ahfsm.howrah@gmail.com

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