Higher education often comes with high costs, and not every family can afford professional or degree courses after Class 12. To support deserving students, the Government of Bihar launched the Bihar Student Credit Card Scheme (BSCC). This scheme provides affordable education loans so that financial problems do not stop students from completing their studies.
Below is a complete, detailed, and easy-to-understand guide covering eligibility, benefits, loan amount, online application steps, documents, and FAQs.
⭐ What Is Bihar Student Credit Card Scheme?
The Bihar Student Credit Card Scheme is an education loan programme introduced by the Department of Education, Government of Bihar. Its main objective is to help students from Bihar pursue higher education by offering loans of up to ₹4 lakh at very low interest rates.
Under this scheme, students can take loans for general, technical, and professional courses such as BA, BSc, BCom, BTech, Polytechnic, MBBS, and other recognised programmes. The scheme focuses on student empowerment by ensuring access to education regardless of financial background.
⭐ Key Highlights of BSCC Scheme
| Feature | Details |
|---|---|
| Scheme Name | Bihar Student Credit Card Scheme (BSCC) |
| Maximum Loan Amount | ₹4 lakh |
| Beneficiaries | Students of Bihar |
| Courses Covered | General, technical, professional & polytechnic |
| Interest Rate | As low as 1% for certain categories |
| Application Mode | Online |
| Repayment Start | After course completion and employment |
⭐ Benefits of Bihar Student Credit Card Scheme
Eligible students get the following benefits under BSCC:
- Education loan of up to ₹4,00,000
- Loan available for general, technical, professional, and polytechnic courses
- Amount can be used for:
- College or university fees
- Books and study material
- Laptop or computer purchase
- Low interest rate, especially for special categories
- Loan repayment starts only after completing the course and getting a job
- Flexible and student-friendly recovery process
- Government-backed scheme, making it more reliable than private loans
⭐ Interest Rate Under BSCC Scheme
The interest rate under the Bihar Student Credit Card Scheme depends on the category of the student:
- 1% interest for:
- Girl students
- Divyang (Persons with Disabilities)
- Transgender students
- Slightly higher but subsidised interest rate for other students (as per government norms)
This makes BSCC one of the most affordable education loan schemes in India.
⭐ Eligibility Criteria for Bihar Student Credit Card Scheme
To apply for the BSCC scheme, applicants must meet the following conditions:
- Must be a permanent resident of Bihar
- Must have passed Class 12
- Must have secured admission in a recognised institution
- Age should generally be up to 25 years
- The applicant must complete the entire course
- Loan is available only for approved courses
⭐ Courses Covered Under BSCC
The loan can be availed for the following types of courses:
- General courses (BA, BSc, BCom, etc.)
- Technical courses (BTech, Polytechnic, ITI-related programmes)
- Professional courses (MBBS, BDS, Engineering, Management, etc.)
- Other recognised higher education programmes approved by authorities
⭐ How to Apply for Bihar Student Credit Card Scheme Online?
Follow these step-by-step instructions to apply online:
🪜 Step-by-Step Online Application Process
Step 1:
Visit the official portal:
7nishchay-yuvaupmission.bihar.gov.in
Step 2:
Click on “New Applicant Registration”
Step 3:
Enter details such as:
- Name
- Mobile number
- Email ID
- Aadhaar number
- OTP verification
Step 4:
After successful registration, you will receive username and password via SMS and email.
Step 5:
Log in again using the provided credentials.
Step 6:
Fill in details on the Personal Information Page and submit.
Step 7:
Select BSCC (Bihar Student Credit Card) from the dropdown and click Apply.
Step 8:
Fill the BSCC application form carefully and submit it.
Step 9:
An acknowledgement number will be generated.
Step 10:
The District Registration and Counselling Centre (DRCC) will schedule an appointment and inform you via SMS/email.
Step 11:
Visit the DRCC with self-attested documents for verification.
Step 12:
After verification and bank approval, collect:
- Student Credit Card
- Loan sanction letter
Step 13:
Visit the bank to complete formalities and receive loan disbursement.
⭐ How to Check Application Status?
Applicants can track their application status online using the acknowledgement number on the same portal by selecting the application status option.
⭐ Documents Required for Bihar Student Credit Card Scheme
Applicants need to submit the following documents:
- Filled application form
- Aadhaar card
- PAN card
- Class 10 and Class 12 mark sheets & certificates
- Proof of admission
- Approved course structure
- Fee structure of the institution
- Passport-size photographs
- Income certificate
- Income tax return (if applicable)
- Last 6 months bank statement
- Residence proof (Voter ID, Passport, Driving Licence, etc.)
- Scholarship letter (if available)
⭐ Loan Repayment Rules
- Repayment starts after completion of the course
- EMI begins once the student gets a job or income source
- Flexible repayment terms due to government backing
- No pressure during the study period
🔚 Conclusion
The Bihar Student Credit Card Scheme is a strong step towards making higher education accessible for students from economically weaker backgrounds. With low interest rates, flexible repayment, and government support, this scheme removes financial barriers and promotes student empowerment.
For more detailed and reliable guides on education loans, government schemes, and student benefits, visit Sarkari Bakery.