Bihar Student Credit Card 2025; Under the Bihar Student Credit Card (BSCC) Scheme students who are from Bihar and facing funding obstacles in paying for their education can achieve success. Through this scheme the government extends education loan support of up to ₹4 lakhs that does not demand students to provide any collateral. The scheme provides financial help to students so they can reach their academic aspirations for graduate degrees and professional training and technical education and medical studies.
The following article contains comprehensive details about the BSCC scheme starting from eligibility criteria through application procedures to needed documentation alongside benefits and repayment information.
What is Bihar Student Credit Card (BSCC) Scheme?
Under the direction of the Bihar Government the Bihar Student Credit Card Scheme initiated its operations in 2016 to eliminate financial hurdles facing students interested in pursuing higher studies. As a part of this initiative university graduates and students accepted by UGC or AICTE or government-recognized institutions can access education loans worth up to ₹4 lakh.
Key Features of BSCC Scheme:
✅ Loan Amount: Up to ₹4 lakh for higher education
✅ Interest Rate: 0% for women, transgender, and disabled students
✅ The educational loans under this scheme do not need any form of guarantee because Bihar government makes a commitment to pay back the funds.
✅ Eligible Courses: Engineering, Medical, Polytechnic, MBA, etc.
✅ Eligibility: All students who finish 10th Class can submit their application.
✅ Flexible Repayment: Loan repayment starts after education completion
Eligibility Criteria for Bihar Student Credit Card
To avail of the benefits of this scheme, students must meet the following conditions:
🔹 Age Limit: Maximum age should be 25 years
🔹 Educational Qualification: Must have completed Class 10
🔹 Residence: Only permanent residents of Bihar can apply
🔹 Course Recognition: The institution should be approved by AICTE, UGC, or a government authority
🔹 Repayment Terms: Loan repayment starts one year after course completion or six months after getting a job
Which Courses are Covered Under This Scheme?
The Bihar government has approved 36 courses under this scheme. Some of the major ones include:
🎓 Undergraduate & Postgraduate Courses:
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BA, BSc, BCom, MA, MSc, MCom
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BCA, MCA
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BBA, MBA
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B.Ed
🛠 Technical & Professional Courses:
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B.Tech, M.Tech
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MBBS, BDS, BAMS, BHMS
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Hotel Management
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Fashion Designing
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Polytechnic Diploma
👩⚕️ Medical Courses:
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Nursing
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Pharmacy (B.Pharm, M.Pharm)
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Lab Technician
If your course is not listed here, you can check the official website of the Bihar government to verify its eligibility.
Documents Required for Bihar Student Credit Card 2025
If you wish to apply for this scheme, you will need the following documents:
📌 For the Student:
✔ Aadhaar Card
✔ PAN Card
✔ Class 10th & 12th Marksheet
✔ College Admission Letter
✔ Institution Recognition Certificate
✔ Bank Account Passbook
✔ Passport-size Photo
📌 For Parents/Guardians:
✔ Aadhaar Card & PAN Card
✔ Address Proof (Electricity Bill, Ration Card)
✔ Income Certificate
📌 Other Required Documents:
✔ Course Fee Receipt
✔ Estimated Education Expenses
Note: The submission requires PDF-format documents together with scanned signature and photograph.
How to Apply for Bihar Student Credit Card?
Students have the choice between an online or offline application method to obtain the Bihar Student Credit Card Scheme.
Online Application Process:
1️⃣ Visit the official website: www.7nishchay-yuvaupmission.bihar.gov.in
2️⃣ Click on “New Applicant Registration”
3️⃣ In step 3 of the process you need to input your name followed by your Aadhaar number and mobile number then your email and final step is providing your residential address.
4️⃣The application requires completion of OTP verification along with account setup.
5️⃣ Enter loan amount and course details
6️⃣ Upload all required documents
7️⃣Submit your application and record the application number because it allows tracking progress.
8️⃣ After a few days of your application you will get both email and phone notification updates.
Offline Application Process:
1️⃣ Visit the nearest District Registration and Counselling Center (DRCC)
2️⃣Application form completion and all necessary document submission to the relevant authorities constitute the second process step.
3️⃣ The verification process will start after receiving your application then the loan gets approval for final sanctioning
Benefits of Bihar Student Credit Card Scheme
✔ Parents do not need to promise any assets to qualify for funding since the government upholds the loan program through its guarantee.
✔The 0% interest rate for women and disabled students under the program fosters education advancement among female students and disadvantaged student populations.
✔The program allows borrowers to claim interest deductions through timely payment.
✔Through its employment-oriented program the initiative provides superior education which leads to better professional opportunities for students.
✔ Both online and offline application procedures make the program accessible.
Loan Repayment Process
🔹A time span of one year from course completion marks the beginning of loan repayment period.
🔹A student whose employment status changes must start loan repayments six months after starting work.
🔹 The monthly Equated Monthly Installments (EMIs) will be determined through a calculating system using both the loan sum and payment period
🔹Failure of students to pay their loan back will enable the government to take legal actions according to the terms.
Conclusion
Students who want finance-free higher education can find exceptional benefits through the Bihar Student Credit Card Scheme 2025. Through this scheme disabled students and females along with other students can get loans of ₹4 lakh at zero percent interest because of flexible repayment plans.
Students who want to join the Bihar Student Credit Card Scheme should visit the official website to submit their applications right now.
🚀 If you found this article helpful, share it with other students who may benefit from this scheme! 😊
Braj Verma is a resident of Rajgarh in Madhya Pradesh and is a content writer and freelancer by profession. He has a degree in Political Science from Barkatullah University, Bhopal. He has expertise in subjects like credit cards, banking, loan, insurance, political analysis and digital marketing.