Money should not stop a student from pursuing higher education. However, many students in Bihar struggle to arrange the fees required for college admission, tuition, books and other educational expenses. Bihar Student Credit Card Scheme was introduced to help eligible students overcome these financial difficulties and continue their studies.
Under the scheme, students can apply for an education loan for approved undergraduate, postgraduate, technical and professional courses. The financial assistance can help cover various education-related expenses.
What Is the Bihar Student Credit Card Scheme?
Bihar Student Credit Card (BSCC) Scheme is an initiative of the Government of Bihar under the Saat Nishchay programme. Its main objective is to make higher education more accessible to students who need financial support.
Through this scheme, eligible students can apply for an education loan of up to ₹4 lakh to pursue approved courses at recognised educational institutions.
Bihar Student Credit Card Scheme : Overview
| Scheme | Details |
|---|---|
| Scheme name | Bihar Student Credit Card Scheme |
| Popular name | BSCC Yojana |
| Launched by | Government of Bihar |
| Main objective | Financial assistance for higher education |
| Maximum loan amount | Up to ₹4 lakh |
| Beneficiaries | Bihar residency requirements |
| Minimum educational qualification | Class 12 or equivalent; Class 10 for eligible polytechnic courses |
| Application mode | Online |
Benefits of the Bihar Student Credit Card Scheme
The Bihar Student Credit Card Scheme can make it easier for eligible students to manage the cost of higher education. Here are its main benefits.
1. Education Loan of Up to ₹4 Lakh
2. Financial Support for Different Courses
The scheme covers various general, technical and professional courses. Depending on the approved course list, such as BA, BSC, BCom, BCA, BBA, BTech, MBBS, MBA, MCA and selected diploma courses.
3. Help With Education-Related Expenses
College expenses go beyond admission fees. Students also need money for examinations, books, study materials and other academic requirements.
4. Affordable Loan Terms
The Bihar government announced interest-free education loans under the scheme in September 2025.
5. Opportunities for Students From Different Financial Backgrounds
Bihar Student Credit Card Scheme Eligibility Criteria
1. Bihar Residency
2. Educational Qualification
Students generally need to have passed Class 12 or an equivalent examination from an institution recognised under the applicable rules.
3. Age Limit
The general maximum age limit is 25 years on the date of application. However, students applying for certain postgraduate courses eligible up to the age of 30 years.
4. Admission to a Recognised Institution
5. Eligible Course
Not every course automatically qualifies for financial assistance. The selected programme must appear on the approved course list applicable to the scheme.
6. Rules Regarding Previous Degrees
The scheme generally restricts funding for another degree at the same level in a different general subject if the applicant already holds such a degree. Technical and management programmes may be treated differently under the applicable rules.
7. Continuation of Studies
Students are expected to continue the course for which the loan has been approved. If a student discontinues the course, the remaining loan instalments will not be disbursed under the scheme rules.
Which Courses Are Covered Under the Bihar Student Credit Card Scheme?
The scheme supports eligible courses across several academic and professional fields.
- Arts and Humanities: BA and other approved undergraduate humanities programmes.
- Science: BSc and eligible science-related courses.
- Commerce: BCom and other approved commerce programmes.
- Computer Applications: BCA and MCA.
- Management: BBA and MBA.
- Engineering: BTech and other eligible engineering programmes.
- Medical and Healthcare: MBBS, nursing and other approved healthcare courses.
- Polytechnic and Diploma: Eligible technical diploma and polytechnic programmes.
- Law: Approved law courses.
How to Apply for Bihar Student Credit Card Scheme Online
Follow these steps to apply.
Step 1: Visit the Official Website
Open the official Bihar MNSSBY portal: https://www.7nishchay-yuvaupmission.bihar.gov.in/
Step 2: Register as a New Applicant
Step 3: Log In to Your Account
Step 4: Select the Bihar Student Credit Card Scheme
Step 5: Complete and Submit the Application
Step 6: Attend the DRCC Verification Appointment
Step 7: Complete the Loan Approval Formalities
Step 8: Receive the Approved Loan Amount
How to Check Bihar Student Credit Card Application Status
After submitting your application, you can check its progress through the official application portal.
Follow these steps:
- Visit the Bihar Student Credit Card Application Status page.
- Enter the application or identification details requested on the page.
- Complete any required verification.
- Submit the details to view the available application status.
- If additional documents, corrections or verification are required, contact your concerned DRCC for guidance.
Bihar Student Credit Card Scheme Interest Rate and Repayment
Bihar government announced interest-free education loans under the scheme in September 2025. The announced repayment schedule provided for up to 84 monthly instalments for loans of up to ₹2 lakh and up to 120 monthly instalments for loans above ₹2 lakh.
Students should also understand the consequences of discontinuing their studies. Under the scheme rules, remaining loan instalments may not be disbursed if the student leaves the approved course.