The Bihar Student Credit Card (BSCC) is a government initiative aimed at empowering students by providing them access to financial support for higher education. Launched by the Bihar Government, the scheme is designed to help students who wish to pursue undergraduate, postgraduate, and professional courses but lack the financial resources to do so. Under the scheme, students are given a credit limit that can be used for tuition fees, hostel fees, study materials, and other related expenses.
If you’re a student in Bihar and want to know how to apply for the Bihar Student Credit Card, this article will guide you through the process, requirements, and benefits of the scheme.
Eligibility Criteria
Before diving into the application process, it’s important to ensure you meet the eligibility requirements for the Bihar Student Credit Card scheme:
- Resident of Bihar: The applicant must be a permanent resident of Bihar.
- Age Limit: The applicant should be between 18 and 25 years of age.
- Educational Qualification: The student should have passed at least the Class 12 (Intermediate) examination from a recognized board in Bihar.
- Course Enrollment: The student must be enrolled in a recognized institution for undergraduate, postgraduate, or professional courses in India.
- Income Limit: The annual family income of the applicant should not exceed ₹4 Lakhs per annum.
- Loan Repayment: The student should be able to repay the loan after the completion of their course, generally after they secure a job.
Benefits of Bihar Student Credit Card
- Loan Amount: Students can get a loan of up to ₹4 Lakhs under the BSCC scheme. The loan is provided at zero percent interest during the course duration and is repayable over a period of 15 years after the course completion.
- Collateral-free Loan: No collateral or security is required for this loan, making it accessible to a larger number of students
- Flexible Repayment: The loan can be repaid in easy installments after securing a job, starting after the course completion.
- Coverage of Various Expenses: The loan amount can be used for tuition fees, accommodation/hostel fees, books, and other educational-related expenses.
How to Apply for the Bihar Student Credit Card
The application process for the Bihar Student Credit Card is relatively simple and can be done online via the official website of the Bihar Student Credit Card scheme. Here’s a step-by-step guide:
1. Visit the Official Website
Go to the official website of the Bihar Student Credit Card Scheme:
2. Register Your Application
- On the homepage, you will find an option to “Apply for Bihar Student Credit Card”. Click on it.
- If you are a new user, you will need to register by providing basic details like your name, email address, mobile number, and other required information.
- Once registered, you will receive a confirmation email or SMS with a link to activate your account.
3. Fill the Application Form
- After logging in, fill in the application form with the necessary details such as:
- Personal Information (Name, Father’s Name, Address, etc.)
- Educational Information (Board/University, Course, Enrollment Details)
- Family Income Information
- Bank Account Details
- Identity Proof (Aadhaar card, etc.)
- Passport-size Photograph
- Mobile Number and Email Address
- Ensure all the information provided is accurate, as discrepancies can lead to rejection of the application.
4. Upload Documents
You will be required to upload scanned copies of certain documents to verify your eligibility. These documents may include:
- Aadhaar Card (as identity proof)
- Passport-sized Photograph
- Marksheet of Class 12 (or equivalent)
- Proof of Admission to the course you’re enrolled in
- Family Income Proof (Income Certificate or Income Tax Return)
- Bank Account Details (for loan disbursement)
5. Submit the Application
Once you have filled in all the required details and uploaded the necessary documents, double-check everything for accuracy. After ensuring that all information is correct, submit your application.
6. Acknowledgment and Processing
- After submission, you will receive an acknowledgment receipt with your application number.
- Your application will be processed by the concerned authorities, and if all criteria are met, you will be notified of the approval.
- In case of any discrepancies or missing information, you may be asked to provide clarification or additional documents.
7. Loan Sanction and Disbursement
Once your application is approved, the Bihar Government will sanction the loan, and the amount will be disbursed to your bank account or the respective educational institution. The disbursement can be used for paying the necessary fees and other educational expenses.
Important Things to Remember
- Repayment Period: The loan repayment will begin after the course is completed, and students typically have a grace period of up to one year after securing employment.
- Interest Rates: During the course, the loan remains interest-free. After course completion, the interest will be charged at 4% per annum, which is much lower than commercial bank loan rates.
- Loan Recovery: If the student is unable to repay the loan on time, the recovery process will be initiated as per the terms of the scheme.
Bihar Student Credit Card College list
- State Universities and Colleges in Bihar:
- Patna University
- Magadh University
- Nalanda Open University
- Bihar Agricultural University
- Bhagalpur University
- Tilka Manjhi Bhagalpur University
- Babasaheb Bhimrao Ambedkar Bihar University (Muzaffarpur)
- Lalit Narayan Mithila University, Darbhanga
- Central Universities:
- Jawaharlal Nehru University (JNU), New Delhi
- Banaras Hindu University (BHU), Varanasi
- Aligarh Muslim University (AMU), Aligarh
- Jamia Millia Islamia University, New Delhi
- Engineering and Technical Institutes:
- Indian Institutes of Technology (IITs)
- National Institutes of Technology (NITs)
- Indian Institutes of Information Technology (IIITs)
- Birla Institute of Technology (BIT), Mesra
- State Engineering Colleges in Bihar (e.g., Muzaffarpur Institute of Technology, Bhagalpur College of Engineering)
- Medical Colleges:
- Indira Gandhi Institute of Medical Sciences (IGIMS), Patna
- Patna Medical College and Hospital (PMCH), Patna
- Nalanda Medical College, Patna
- Darbhanga Medical College
- Anugrah Narayan Magadh Medical College, Gaya
- Law Colleges:
- Bihar National College of Law
- Patna Law College
- Nalanda College of Law
- Faculty of Law, Patna University
- Management and Other Professional Institutes:
- Indian Institute of Management (IIM), Bodh Gaya
- Institute of Management and Entrepreneurship Development (IMED), Patna
- Xavier Institute of Social Service (XISS), Ranchi
- Bihar Institute of Law and Management (BILM)
- Visit the Official Website: Visit the official Bihar Student Credit Card portal where you can find more information about the scheme and may be able to verify whether your institution is recognized.
Bihar Student Credit Card Course List
Undergraduate (UG) Courses
- Engineering & Technology:
- B.Tech / B.E. (Bachelor of Technology / Bachelor of Engineering)
- BCA (Bachelor of Computer Applications)
- B.Arch (Bachelor of Architecture)
- B.Des (Bachelor of Design)
- B.Sc. (Bachelor of Science) in various specializations (Physics, Chemistry, Biology, Mathematics, etc.)
- Medical & Paramedical Courses:
- MBBS (Bachelor of Medicine, Bachelor of Surgery)
- BDS (Bachelor of Dental Surgery)
- BAMS (Bachelor of Ayurvedic Medicine and Surgery)
- BHMS (Bachelor of Homeopathic Medicine and Surgery)
- BPT (Bachelor of Physiotherapy)
- Nursing (B.Sc. Nursing)
- Business & Management:
- BBA (Bachelor of Business Administration)
- BMS (Bachelor of Management Studies)
- B.Com (Bachelor of Commerce)
- BBA (Bachelor of Business Administration) in Hotel Management, Retail Management, etc.
- BHM (Bachelor of Hotel Management)
- Law Courses:
- 5-year integrated LLB (Bachelor of Laws)
- B.A. LLB (Bachelor of Arts + Bachelor of Laws)
- Arts, Humanities & Social Sciences:
- BA (Bachelor of Arts) in various disciplines (History, Political Science, Sociology, Psychology, Literature, etc.)
- BSW (Bachelor of Social Work)
- Design & Fashion:
- B.Des (Bachelor of Design)
- B.FD (Bachelor of Fashion Design)
- Agriculture & Horticulture:
- B.Sc. Agriculture
- B.Sc. Horticulture
- Science Courses:
- B.Sc. in Biotechnology, Microbiology, Biochemistry, Environmental Science, etc.
- B.Sc. in Nursing
- Vocational Courses:
- B.Voc (Bachelor of Vocational Studies) in fields like IT, Animation, Photography, etc.
Postgraduate (PG) Courses
- Master’s Degrees in Engineering & Technology:
- M.Tech (Master of Technology)
- M.S. (Master of Science) in various specializations
- Medical & Paramedical Courses:
- MD/MS (Doctor of Medicine / Master of Surgery)
- MDS (Master of Dental Surgery)
- MPT (Master of Physiotherapy)
- M.Sc. Nursing
- MBA (Master of Business Administration) in Healthcare Management
- Business & Management:
- MBA (Master of Business Administration)
- M.Com (Master of Commerce)
- MSc in Business Analytics
- Law Courses:
- LLM (Master of Laws)
- Arts, Humanities & Social Sciences:
- MA (Master of Arts) in various disciplines (History, Political Science, Sociology, Psychology, etc.)
- MSW (Master of Social Work)
- Science & Technology:
- M.Sc. (Master of Science) in various fields such as Physics, Chemistry, Biology, Mathematics, Microbiology, Biotechnology, Environmental Science, etc.
- Agriculture & Horticulture:
- M.Sc. in Agriculture, Horticulture, Soil Science, etc.
- Education:
- M.Ed (Master of Education)
- M.A. in Education
3. Professional & Vocational Courses
- Engineering & Technical Courses:
- B.Tech, M.Tech in specialized fields such as Civil Engineering, Computer Science, Electronics, Electrical, Mechanical, etc.
- Medical Courses:
- MBBS, BDS, BAMS, BHMS, BPT, Nursing, etc.
- Management & Business:
- MBA, M.Com, Executive MBA, Postgraduate Diploma in Management (PGDM), etc.
- Design and Fashion:
- Courses in Fashion Design, Product Design, Interior Design, Textile Design, Graphic Design, etc.
- Law:
- LLB, LLM
- Agricultural & Veterinary Science:
- B.Sc. Agriculture, M.Sc. Agriculture
- BVSc (Bachelor of Veterinary Science)
- Vocational Training:
- Technical vocational courses, including animation, photography, media, etc.
- Other Professional Courses:
- CA (Chartered Accountancy)
- CS (Company Secretary)
- CMA (Cost Management Accounting)
- Hotel Management, Airline Management, etc.
| Bihar Student Credit Card Apply Online | Click here |
| Official Website | https://www.7nishchay-yuvaupmission.bihar.gov.in/ |
Explore DRCC, the District Registration cum Counseling Center, your one-stop destination for accessing various Bihar government services, including registration for employment schemes, scholarships, and skill development programs. Checkout DRCC Thank you
Explore the innovative Student Credit Card initiative by the Bihar government, aimed at empowering students with financial support to complete their higher education without financial constraints. Checkout Student Credit Cards Thank you
Unlock the potential of the Bihar Student Credit Card, a government initiative enabling students to access quality education and build a brighter future with ease. Checkout Bihar Student Credit Card Thank you
Take advantage of the BSCC scheme, a transformative program designed to provide easy loans for students aspiring to complete their graduation or equivalent courses. Checkout BSCC Thank you