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
Bihar Student Credit Card Course
List
Under the Bihar Student Credit Card (BSCC) Scheme, students can
apply for education loans to pursue
a wide range of approved courses in recognized universities and
institutions across India.
The scheme covers various fields including technical, professional, and general
courses.
1. Technical and Professional Courses
B.Tech / B.E.
(Engineering)
BCA / MCA (Computer
Applications)
MBBS / BDS / Nursing /
Paramedical Courses
MBA / BBA (Management
Studies)
B.Arch / B.Design
(Architecture & Design)
Diploma in
Engineering (Polytechnic Courses)
2. General and Academic Courses
B.Sc. / M.Sc. (Science
Streams)
B.A. / M.A. (Arts &
Humanities)
B.Com / M.Com
(Commerce Streams)
Foreign Language &
Communication Courses
3. Vocational and Other Eligible Courses
ITI and Industrial
Training Programs
Allied
Health Sciences & Pharmacy
Agriculture, Forestry, and
Veterinary Science
Law (LLB / LLM)
Fine Arts,
Performing Arts, and Mass Communication
Note: The BSCC loan can be availed only for recognized
and accredited courses
offered by UGC / AICTE / State Government-approved
institutions. Students are advised to verify
course eligibility before applying.
Documents Required for Bihar Student
Credit Card Scheme
Before applying for the Bihar Student Credit Card (BSCC),
applicants should keep the following
documents ready. These are essential for successful verification and approval of the
education loan under the
7 Nischay Yojana scheme.
Aadhaar Card of the student and parents/guardians for identity
and residence verification.
Passport-size Photographs of the student and co-applicant
(parent or guardian).
10th / 12th Marksheet or latest educational qualification
certificate.
College Admission Proof such as Offer Letter, Admission Slip,
or Bonafide Certificate issued by the institution.
Residential Certificate issued by the competent authority
confirming Bihar residency.
Date of Birth Proof (can be the 10th Marksheet or Birth
Certificate).
Income Certificate of parents/guardians (if required by the
DRCC office).
Course Fee Structure provided by the college/institution.
Bank Account Details (for verification and repayment purposes).
Any other supporting documents requested by the District Registration
and Counseling Center (DRCC)
during the verification process.
Tip: Carry both originals and photocopies of all
the above documents
while visiting your respective DRCC center for verification.
How to Apply for a Bihar Student
Credit Card Scheme
The Bihar Student Credit Card (BSCC) Scheme is an initiative
under the
“Mukhyamantri 7 Nischay Yojana” launched by the Government of
Bihar to provide
financial support to students pursuing higher education. Through this scheme,
eligible students
can avail education loans of up to ₹4 lakh at low interest
rates to cover tuition fees,
books, accommodation, and other study-related expenses.
Click on “New Applicant Registration” and enter your basic
details such as
name, email ID, and mobile number. You will receive an OTP to verify your
registration.
After verification, log in using your registered credentials and fill out
the
application form with complete academic and personal
information.
Upload all required documents such as:
Aadhaar Card of applicant and parents
10th / 12th Marksheet or last passed examination certificate
College Admission Proof (Offer Letter / Fee Slip)
Passport-size Photograph
Residence Certificate
Once submitted, your details will be forwarded to the
District Registration and Counseling Center (DRCC) for
verification.
You will receive a call or message from DRCC regarding your document
verification and
appointment schedule. Visit DRCC with original documents for physical
verification.
After successful verification, the loan request will be processed by the
Bank.
The sanctioned amount will be transferred directly to your college
or institution.
Students can track their application status online through the BSCC portal
and
will be notified once the process is complete.
Note: The BSCC scheme is applicable only to permanent residents
of Bihar
who are studying in recognized institutions within or outside the state.
Features and Benefits of Bihar
Student Credit Card
The Bihar Student Credit Card (BSCC) Scheme is designed to make
higher education
accessible and affordable for every deserving student in Bihar. Below are some of
its key features
and benefits that make it one of the most student-friendly financial aid programs in
India.
Students can avail an education loan up to ₹4 lakh to cover
tuition fees, books,
hostel charges, and other academic expenses.
Low or zero interest rate: 1% for male students and 0%
(nil) for
female, transgender, and differently-abled students.
The scheme covers students enrolled in recognized institutions
within or outside Bihar.
Easy repayment after course completion and securing employment,
reducing financial pressure on students and parents.
The loan amount can be used for books, laptops, uniforms, and
examination fees,
along with tuition and hostel charges.
No collateral or guarantor required — the loan is
government-backed and completely secure.
Government of Bihar directly supports and monitors the scheme,
ensuring smooth
processing and transparency for all students.
Encourages higher education by helping students pursue professional, technical,
and general courses
without worrying about financial constraints.
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.
Contact Our Expert
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Official Guidance for Bihar Student Credit Card
Below is the list of all District Registration and Counseling Centers (DRCC) across
Bihar.
Students can contact the respective district managers for assistance related to the Bihar Student
Credit Card Scheme.
