New Sarkari Yojana List 2021 (नई सरकारी योजनाओं की सूची)

New Sarkari Yojana List 2021 (नई सरकारी योजनाओं की सूची)

प्रधानमंत्री मोदी एवं विभिन्न राज्य के मुख्यमंत्री द्वारा शुरू की गयी सभी योजनाएं, केंद्र व राज्य सरकार की योजनाएँ 2021, सरकारी योजना हिंदी और अंग्रेजी में योगी योजना वेबसाइट पर

WB Student Credit Card Scheme 2021 Apply Online, Eligibility | Loans upto Rs. 10 Lakh at 4% Interest under SCC Yojana in West Bengal

WB Student Credit Card Scheme 2021 apply online process to start soon, check eligibility criteria. The state govt. has launched West Bengal Student Credit Card Yojana 2021 for students to enable them to pursue higher education. This WB Student Credit Card Yojna would enable students to get loans upto Rs. 10 lakh at just 4% interest rate. In this scheme, one candidate would be eligible for soft loans till 40 years of age. In this article, we will tell you about the complete details of the West Bengal SCC Yojana including eligibility criteria, apply online process etc.


WB Student Credit Card Scheme 2021

In order to make West Bengal's youth atmanirbhar (self reliant), govt. has launched Student Credit Card Scheme 2021. In this scheme, govt. will provide student credit cards with credit limit upto Rs. 10 lakh. For this loan amount, a student will have to pay 4% interest rate. Each student will get 15 years for loan repayment after he gets a job. WB Student Credit Card Scheme is a part of "Arthik Shujog, Shobol Jubo" initiative.

Through WB Student Credit Card Scheme, students pursuing higher education i.e under-graduation (UG) and post-graduation (PG) courses, shall be eligible to receive credit up to Rs. 10 Lakh at a subsidized rate of interest of 4%. Unlike a loan that is drawn as a lump sum, a Student Credit Card will provide money to students on demand at their convenience benefiting more than 1.5 crore students over the next 5 years.


Cabinet Nod to West Bengal Student Credit Card Yojana

CM Mamata Banerjee led West Bengal state govt. estimated that 1.5 crore beneficiaries will be included in the "WB Student Credit Card Scheme". West Bengal SCC Yojana promises student credit cards having credit limit of upto Rs. 10,00,000 for higher studies (UG/PG courses). This scheme was promised by CM Mamata Banerjee in TMC manifesto before Assembly elections.


West Bengal Student Credit Card Scheme Registration

Top government officials of West Bengal held a meeting recently to work out the modalities of the dole. The work to implement the West Bengal Student Credit Card Scheme will start soon. The first thing govt. have to do is to register the beneficiaries of the West Bengal SCC Scheme. It has been assessed that the WB Student Credit Card Scheme will have a total of 1.5 crore beneficiaries.


WB Student Credit Card Yojana Eligibility Criteria

Below is the complete WB Student Credit Card Scheme eligibility criteria:-

  • Student must be a permanent resident of West Bengal and must have spent 10 years in the state.
  • Loans under WB Student Credit Card Scheme 2021 would be eligible for undergraduate, postgraduate, doctoral and post-doctoral study in India or abroad.
  • One person is eligible for the WB Student Credit Yojana till 40 years of age.
  • Fifteen years will be given to a student to repay the loan after getting a job.

Implementation of WB Student Credit Card Scheme

The financial condition of the state does not allow the West Bengal state govt. to make the WB SCC Yojana universal. West Bengal state govt. just cannot bring all students of all courses in the state under the Student Credit Card Yojana as it will put huge financial burden. For smooth implementation of the West Bengal Student Credit Card Scheme, government was considering the insertion of an eligibility criterion for students to get soft loans.

WB state govt. might be forced to cut down allotment of some departments to raise funds for the WB Student Credit Card (SCC) Scheme. But It is not possible to cut down allocations of various departments heavily. So, the state is looking to arrange for funds for the scheme from some other sources too.


Overview of Student Credit Card Scheme in West Bengal

Name of SchemeWB Student Credit Card Scheme
Applicable Year2021 onward
StateWest Bengal
Who are Eligible BeneficiariesStudents who wants to pursue higher studies
Beneficiaries Count1.5 crore
Type of SchemeSoft Loans through Student Credit Cards
Start Date30 June 2021
Loan Amountupto Rs. 10 lakh
Interest Rate4%
Applicable CoursesUnder graduate (UG), Post graduate (PG), doctoral and post-doctoral study
Age Limit40 years
Repayment Time15 years after getting job
Registration / Apply ProcessTo start soon


WB Student Credit Card Scheme in Didir 10 Ongikar of TMC Manifesto

Ojosro sujog, somridhho Bangla

  • Fifth largest economy with GDP size of ₹12.5 Lakh Crore and annual per capita income of more than ₹2.5 Lakh
  • 35 lakh people uplifted to reduce people below poverty line to 5% from 20% in 2011
  • 5 Lakh new jobs per year to be created to halve the unemployment rate

Proti poribarke, nyunotomo mashik aay

A new scheme namely Laxmi Bhandar to ensure monthly Basic Income support to female heads of 1.6 Crore households of Bengal- monthly ₹500 to families of General Category (Yearly ₹6,000) and ₹1,000 to families of SC/ST (Yearly ₹12,000)

Arthik sujog, shobol jubo

To make Bengal’s youth self-reliant, a new West Bengal Student Credit Card Scheme for all eligible students would be launched. Student Credit Cards with credit limit up to ₹10 lakh at an interest rate of 4% would be provided.

Banglay shobar, nishchit ahar

  • New facility under Khadya Sathi – No need to go to the ration shop anymore. Free doorstep delivery of monthly ration to 1.5 crore households
  • 75 Crore subsidised meals at ₹5 per meal through 2,500 ‘Maa’ Canteens across 50 cities

Bordhito utpadon, sukhi krishok

  • ₹10,000 per acre support to be provided to 68 lakh small and marginal farmers every year under the Krishak Bandhu Scheme
  • To be the number 1 State in Net Sown Area and Cropping Intensity by adding 3 lakh hectares of cultivable land and converting 4.5 lakh hectares to double cropping system respectively
  • To be in top 5 States in productivity for food grains and four cash crops – Tea, Jute, Potato and Tobacco

Shilponnoto Bangla

  • Additional 10 lakh MSMEs to be added every year to increase the total number of functional MSME units to 1.5 cr
  • 2,000 big industrial units to be added to the existing base of 10,000 units in the next 5 years
  • ₹5 lakh crore of new investments in the next 5 years

Unnototoro swasthya byabostha, sushtho Bangla

  • Double the spending on Health from 0.83% to 1.5% of the State GDP
  • Medical College-cum-Super Speciality Hospital in all 23 district headquarters
  • Double the number of seats for – doctors, nurses, and paramedics

Egiye rakhte, shikkhito Bangla

  • Increase the spending on Education from 2.7% to 4% of the state GDP
  • Each block to have at least one Model Residential School
  • Double the number of seats for teachers’ training

Shobai pai, matha gonjar thaai

  • 5 lakh additional low cost houses to be built under Banglar Bari Scheme in urban habitations to reduce slum population from 7% to 3.65%
  • 25 lakh additional low cost houses to be built under Bangla Awas Yojana in rural areas and reduce kutcha houses to less than 1%

Proti ghore bidyut, sodok, jol

  • Piped drinking water facility to be provided to additional 47 Lakh households to ensure 100% coverage; up from 26%
  • 24×7 electricity at affordable rates to all households
  • Every rural household to be connected with all-weather roads, a functional drainage system and piped drinking water

Source / Reference Link: https://aitcofficial.org/wp-content/uploads/2021/03/tmc-manifesto-eng-1.pdf

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