To get WBSCC approval faster, you need to provide the correct information and meet the eligibility criteria. The details on how you can get the West Bengal Student Credit Card hassle-free have been discussed in this article; check it out!
To obtain WBSCC approval faster, the candidates should ensure that their application is accurate and complete. Submission of all the required documents, such as evidence of admission, earning certificates, and identification evidence, is very important. Re-verification for errors and maintaining clear communication with the organization and district nodal officers will spare you undue delays. West Bengal Student Credit Card is a loan where students get a maximum of Rs 10 lakhs at 4% per annum simple interest from the State Cooperative Bank and its affiliated Central Cooperative Banks, District Central Cooperative Banks and Public or Private sector Banks.
To get the WBSCC loan faster, the students must meet the eligibility criteria. The applicant must be pursuing higher education in schools, madrasahs, colleges, universities, and other academic institutions such as IITs, NITs, IIMs, NLUs, IIESTs etc. in India or overseas or have enrolled in coaching institutes to appear in Engineering, Medical, Law, IPS, IAS, WBCS, and other competitive examinations. The applying student or his family has to be a resident of the State of West Bengal for at least 10 years preceding the date of application. To get the WBSCC approval faster, read this article to improve your chances of getting the loan quickly.
Steps to Apply for WBSCC Approval
We have provided the steps here for the West Bengal Student Credit Card scheme. Before you understand how to get WBSCC approval faster, you must know the application process:
Step 1: Online Registration
To apply for the West Bengal Student Credit Card scheme, students have to visit the official website of the West Bengal Government, wbscc.wb.gov.in or banglaruchchashiksha.wb.gov.in. During the registration process, students have to fill their names, date of birth, present course of study, contact details and a choice of password. Once the registration is successful, a unique ID will be created which will be sent to the mobile number of the applicant. Students have to use this unique ID to complete further steps of the application process.
Step 2: Filling out the WBSCC Application Form
To fill out the WBSCC application form, students have to log in to the portal using their credentials such as their unique ID and password. After logging in, they will fill out the application form by entering their details such as their name, father’s name, mother’s name, co-borrower / name of guardian and his/her separate detailed information, present and permanent address details, course and income details, bank details of the student and the co-borrower. The documents that have to be submitted for WBSCC approval are:
- Colour photograph of the applicant (.jpeg / .jpg, between 50 KB and 20 KB)
- Colour photograph of the co-applicant / co-borrower (.jpeg / .jpg, between 50 KB and 20 KB)
- Signature of the student (.jpeg / .jpg, between 50 KB and 10 KB)
- Co-borrower/ Guardian’s signature (.jpeg / .jpg, between 50 KB and 10 KB)
- Student’s Aadhaar Card (pdf, between 400 KB and 50 KB)
- Student’s Class 10th Board registration certificate (if no Aadhaar card) (pdf, between 400 KB and 50 KB)
- Guardian’s Address Proof (pdf, between 400 KB and 50 KB)
- Admission Receipt (pdf, between 400 KB and 50 KB)
- Student’s PAN Card/ undertaking if there is no PAN Card (pdf, between 400 KB and 50 KB)
- Guardian’s PAN Card/ undertaking if there is no PAN Card (pdf, between 400 KB and 50 KB)
- The relevant page of the brochure/ document detaining course fee/ tuition fee (pdf, between 400 KB and 50 KB)
Step 3: Check Applicant's Profile
To get WBSCC approval faster, students need to check the details they have submitted. For that, they have to click on the “Applicant Profile View” page where their name, scanned photo and signature, scanned photo and signature of co-borrower, details of the qualifying exam, details of the present course of study, personal information, etc. will be showcased that they have already filled in earlier.
Step 4: Application Form Review
The applicant can cross-check all the details they have mentioned for WBSCC approval on the applicant profile view section. However, if they find some information to be incorrect, they have to edit the details by clicking on the edit button on the left panel. If the applicant finds no mistake with the information provided, then they can proceed to the next step of student loan application.
Step 5: Submit Application
Before submitting the application form, the Student Credit Card scheme applicant has to review their application and then click on the “Submit Application” tab. Once the application form for the WBSCC approval is submitted, a pop-up menu appears. If the student is sure that the details are fed correctly, he/ she is required to opt for ‘Yes’ or ‘No’ very cautiously, as there is no option for modification. When the form is submitted successfully, it will show on the dashboard that the form is submitted to the respective institution.
Also Read:
Benefits of the West Bengal Student Credit Card
Institution Registration Process for WBSCC Approval
To get WBSCC approval faster, the students have to understand the institution's registration process. Find the steps below:
- They have to visit the official website, www.wb.gov.in or https://banglaruchchashiksha.wb.gov.in and click on the Administrative Login Tab.
- Enter your user ID and password to login to the registration page of the institution.
- For this registration, students need an AISHE Certificate (pdf between 400 KB and 50 KB), an Accreditation document (pdf between 400 KB and 50 KB), a Rank Document (pdf between 400 KB and 50 KB) and Affiliation document (pdf between 400 KB and 50 KB).
- For Institutions within West Bengal, you need an SVMCM User ID and SVMCM password. If you do not have the SVMCM User ID or password, kindly contact Helpdesk via email support-wbscc@bangla.gov.in.
- For Institutions outside West Bengal, if you have the AISHE code, the contact details of the Head of Institution(HOI) will appear after putting the AISHE code in place. If HOI details do not match, send an email to sccoutwb@gmail.com for a cross-check and temporary institutional credential on your official letterhead mentioning HOI name, mobile and email for the generation of user ID.
- To submit your profile to the respective institutions, you have to enter the name of the institution, AISHE Code, AISHE Certificate, Accreditation Document, Rank Document and Affiliation Document.
- You have to enter your bank account details, Nodal Officer name, PAN number, mobile number, and TAN of the institution and click on submit.
Tips to Get WBSCC Approval Faster
With the easy steps mentioned below, you can get WBSCC approval faster without any hassle.
Check Eligibility Before Applying
Make sure that you are between 18 and 40 years of age, a permanent resident of West Bengal, and have been admitted to an approved organisation for undergraduate, postgraduate, doctorate, or diploma courses. Checking the requirements will prevent unnecessary rejections or delays of the WBSCC loan approval.
Choose Approved Institutions and Courses
Make sure to select the college/ institution that is listed under the West Bengal Credit Card scheme. You can check beforehand whether the college, university, or technical institution is included in the approved WBSCC listing. Selecting the institution or the courses that will get you the loan increases the chances of WBSCC approval faster.
Proper Documentation
Incomplete or inaccurate documentation is one of the top reasons for WBSCC loan rejection. Common errors include missing address proof, incorrect date of birth, or failure to provide necessary academic details. The student must provide all the necessary documents. The necessary documents are:
- Admission Letter from the college.
- Fee Structure provided by the university.
- Identity Proof (Aadhar Card, Voter ID, or PAN Card).
- Income Certificate for financial estimation.
Ensure that the scanned copies are clear, and in the correct format so that no editing is required.
Fill In Correct Details
Check that the name, date of birth, and address of the candidate is all correct. Add a valid mobile number and email address. Check whether the account status is active and owned by the applicant. If there is any sort of mismatch, the WBSCC approval will be on hold.
Apply Early
The West Bengal government provides an online platform for applying for the West Bengal Student Credit Card, only through the portal can an applicant apply. Online applications tend to be processed faster than offline ones like visiting the block office or asking for other people’s help. After applying, keep track of your application status through the portal to get WBSCC approval faster.
Regular Follow-Ups
After submission of the West Bengal Student Credit Card application, check for updates or follow up regularly to ensure everything is moving smoothly. If any additional documents or clarifications are required, respond quickly to avoid unnecessary delays. Stay informed about any changes in the loan scheme and its requirements to get the loan faster.
Check for Financial History
Though the West Bengal Student Credit Card is primarily for students, the credit score or financial history of your guardian/ co-borrower may play a major role in loan approval. If your family has a clean financial record, it will help speed up the approval process. If you have a bank account in a reputable bank and a good transaction history, it can help your application and get your WBSCC approval faster.
Seek Help if Necessary
Where there is trouble or doubt, visit your nearest block offices, banks, institutions/ colleges or neighbourhood authorities' offices. If you have any doubts or need clarification on the process, don’t hesitate to contact the relevant authorities directly.
Also Read:
How to Apply for West Bengal Credit Card Scheme from Rural Areas
Common Reasons for WBSCC Loan Rejection
The West Bengal Student Credit Card loan is given to students who fulfil the eligibility criteria. If you want to get the WBSCC approval faster, you must know the reasons for loan rejection and try to avoid them. The WBSCC loan can be rejected due to the following reasons:
Reason | Details |
|---|---|
Incomplete Application | Missing or inaccurate information during the application process |
Insufficient Documentation | The required documents were not uploaded |
Mismatch in Information | A mismatch between the application form and the details submitted. |
Low Academic Performance | Failed to achieve the minimum aggregate score. |
Higher Family Income | The family earns more than the stipulated income mentioned for the WBSCC loan. |
Unverified Institution | Applying for an institution that is no longer recognised under WBSCC. |
Incorrect Bank Details | Mistakes in bank account information provided for disbursement. |
Multiple Applications | Filing multiple applications tends to be rejected. |
Delayed Verification | Institution or nodal officer's failure to verify the closing date. |
Failure to Respond to Queries | Not responding to requests for additional files or clarifications. |
Also Read:
For any queries regarding how to get WBSCC approval faster, feel free to dial our toll-free number 1800-572-9877 or fill out CollegeDekho’s Common Application Form or log on to our QnA Zone for admission-related queries.
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FAQs
Yes, any mismatch or incomplete data can result in delays or rejection. Always move-test before filing.
Contact your group’s verification authority or the district nodal officer for assistance.
Log into the authentic WBSCC portal and check the utility status underneath your account dashboard.
You need your Aadhaar card, earnings certificates, admission letter, price structure, and financial institution information.
Provide accurate info, put up all required files, and ensure no mistakes inside the software shape.
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