The Bihar Student Credit Card Scheme is an initiative by the Government of Bihar
to provide financial support to students pursuing higher education. Under this scheme, eligible
students can avail loans up to ₹4 Lakhs at very low interest rates to cover tuition
fees, books, laptops, and other educational expenses.
Eligibility Criteria
Applicant must be a resident of Bihar.
Must have passed 12th or equivalent examination.
Age limit: 25 years for general, 30 years for reserved category.
Admission in recognized colleges/universities is required.
Loan Details
Maximum Loan Amount
₹4 Lakhs
Interest Rate
1% simple interest
Beneficiaries
Students pursuing higher education (B.Tech, Diploma, Medical, etc.)
Coverage
Tuition Fees, Books, Laptops, Hostel, and Exam fees
Repayment
After completion of studies with flexible tenure
Key Benefits
Low Interest
Only 1% simple interest for students, ensuring affordable repayment.
Covers Expenses
Helps in managing tuition fees, laptops, books, and hostel charges.
Supports Education
Encourages higher education by reducing financial burden.
Application Process
Register on the official 7 Nischay Yojana portal.
Fill in the required details and upload documents (Aadhaar, Marksheet, Admission proof).
Verification by District Registration and Counseling Center (DRCC).
Loan sanction and amount disbursed directly to institution/college.
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Frequently Asked Questions
We offer diploma courses in Mechanical, Civil, Electrical, and Computer Science Engineering.
You can apply online through our website or visit the campus admission cell for offline applications.
Candidates must have passed the 10th (Matric) or equivalent examination from a recognized board with required aggregate marks.
Yes, SNIT provides separate hostel facilities for boys and girls with proper security and amenities.
Diploma holders can pursue higher studies such as B.Tech (lateral entry) or apply for jobs in government and private sectors like railways, electricity boards, construction, manufacturing, and IT companies.
