The Bihar Student Credit Card Scheme (BSCC) is a government initiative designed to support students in Bihar by offering low-interest loans of up to ₹4 lakhs for pursuing higher education. This scheme is part of the “Seven Nischay” (Seven Resolves) program aimed at improving education and employment opportunities for youth.
Official Website Link: Click Here
Bihar Student Credit Card Scheme Details:
- Bihar Student Credit Card Scheme (BSCC) provides loan up to ₹4 lakhs for higher education to students in Bihar.
- It is part of the “Seven Nischay” initiative by the Bihar government, launched in October 2016.
- Eligibility: Must be a Bihar resident. Up to 25 years of age. Must have passed Class 12th. Must be admitted to an authorized institute for higher education.
- Loan can be used for tuition fees, books, laptops, and other educational expenses.
- Interest rates: General: 4%. Females, transgender and differently-abled: 1%.
- Repayment starts after course completion and getting a job, with flexible repayment options.
- Required documents: Aadhaar and PAN cards. Academic certificates (Class 10th and 12th).Admission proof and fee schedule. Income proof, last two years’ income tax returns and six months’ bank statements. Proof of residence (e.g., Voter ID, Passport).
- Application process: Register on the official website (link). Submit the application form online. Visit the District Registration and Counseling Center (DRCC) with documents for verification.
- Collect the Student Credit Card and bank sanction letter after approval. Complete bank formalities to get the loan.
- Additional incentives and reduced interest rates for female, transgender and differently-abled students.
- The offered courses are Engineering, Medical, Nursing, Management, Law, Agriculture, Fashion Designing, etc.
- The helpline number is 1800 3456 444 and Email Id is spmubscc@bihar.gov.in.
- Application status can be tracked using Aadhaar/Registration ID on the official website.
Prime Minister Internship Scheme Key Highlights:
| Feature | Details |
| Loan Amount | Up to ₹4 lakhs |
| Eligibility | Bihar resident, age up to 25, completed 12th grade, enrolled in approved courses |
| Interest Rate | Low, with benefits for female and differently-abled students |
| Repayment | Starts after securing a job, with flexible options |
| Documents Required | Aadhaar, PAN, academic certificates, admission proof, income proof, residential proof |
| Application Process | Online registration, verification at DRCC, loan sanctioning through partnered banks |
| Special Benefits | Additional incentives for female and differently-abled students |
| Department | Department of Education, Government of Bihar |
| Scheme Start Date | October- 2016 |
| Helpline Number | 1800 3456 444 |
| Official Website | https://www.7nishchay-yuvaupmission.bihar.gov.in/ |
Bihar Student Credit Card Scheme Eligibility Criteria:
- The candidate must be a resident of Bihar state
- The candidate should be at least 25 years old.
- The candidate must have passed the class 12th.
- The candidate must be admitted to a course at an authorized institute.
- The candidate must complete the entire course.
Bihar Student Credit Card Scheme Documents Required:
The documents required for the application are –
- Filled out common application form
- Aadhar card
- Pan card
- Xth and XIIth mark sheet and certificate
- Copies of the letter conferring scholarship (If available)
- Approved course structure
- Proof of admission
- Fee schedule
- Photographs
- Previous year’s income certificate
- Previous two year’s income tax return
- The last six months’ bank statement
- Proof of residence (Passport, ID, driving license, Voter ID)
- Tax receipt
Bihar Student Credit Card Scheme Intrest Rate:
The chargeable interest on this scheme is low at 4%. The interest rate is further lower for females, transgenders & disabled at 1%.
The interest rate for the loans under the Bihar Student Credit Card Scheme is generally low. The interest rate varies but is often subsidized by the state to make education more affordable for students. The exact rate depends on the chosen bank and loan amount.
How to apply for Bihar Student Credit Card Scheme?
- Visit https://www.7nishchay-yuvaupmission.bihar.gov.in/ website.
- Click the ‘New Applicant Registration’ button.
- Fill the details, such as name, email ID, mobile number, Aadhaar number, and OTP, and click the ‘Submit’ button.
- A successful registration message will be displayed, and the applicants will receive the username and password by email and SMS.
- Visit the https://www.7nishchay-yuvaupmission.bihar.gov.in/ website and log in using the username and password.
- Fill the details on the ‘Personal Information Page’ and click the ‘Submit’ button.
- Select the ‘BSCC’ option from the drop-down list and click the ‘Apply’ button.
- Fill in the details on the BSCC form and submit it. A confirmation message and the acknowledgment number will be displayed.
- The respective District Registration and Counseling Center (DRCC) will schedule an appointment and send an email and SMS informing the applicant about the date of the visit to the DRCC.
- The applicant should visit the DRCC with self-attested documents and submit them to the Multi-Purpose Assistant (MPA) for verification.
- After verification by the concerned authorities and loan sanction by the bank, the DRCC will send an SMS and email to the applicant informing the date the applicant should visit the DRCC to collect the ‘Student Credit Card’ and sanction letter of the loan.
- The applicant should visit the bank to complete the documentation formalities after collecting the ‘Student Credit Card’ and the bank’s sanction letter from the DRCC.
- The applicant will get the loan disbursement from the bank, and bank officials will inform the same of the DRCC.
- The applicants can also track their application status on-
- https://www.7nishchay-yuvaupmission.bihar.gov.in/addapplicationStatus.
Bihar Student Credit Card Scheme Helpline Number:
For any query related to the Bihar Student Credit Card Scheme, the toll-free helpline number is 1800 3456 444. Alternatively, you can also send an email to spmubscc@bihar.gov.in.
Bihar Student Credit Card Scheme Benefits:
- A maximum loan amount of ₹4 lakh.
- Loan can be availed for polytechnic, technical and general courses.
- This assistance may be utilized for purchasing of books and laptops or pay any kind of fees.
- Repayment of the loan starts once the course has been completed and student have secured a job.
- The interest rate of the loan is 1% for Divyang, transgender, and girl students.
- The recovery procedures are flexible since the loan is government-owned.
Bihar Student Credit Card Scheme College List:
To find the exact college list under the scheme, please visit the Official Site. You can search for your choice of college. You can see all the listed colleges in other states.
Bihar Student Credit Card Scheme Course List:
The scheme provides funding for various undergraduate, postgraduate, and diploma programs. Some of the eligible courses include:
- Engineering (B.Tech/B.E./B.Sc. in Engineering)
- Medical Courses (MBBS, BDS, BAMS, BUMS)
- Nursing (B.Sc. Nursing, GNM)
- Management (BBA, MBA)
- Law (5-year integrated BL/LLB)
- Hotel Management (BHM, Diploma in Hotel Management)
- Pharmacy (B.Pharm)
- Agriculture (B.Sc. Agriculture)
- Design & Fashion (Fashion Designing, Footwear Designing)
- Others (B.Ed, B.A./B.Sc./B.Com, Mass Communication)
Bihar Student Credit Card Scheme Status Check:
The applicant can check the status by entering Registration Id/Aadhar card number & date of birth from the below-mentioned link.
Bihar Studen Credit Card Scheme application Status: Click Here
Frequently Asked Questions:
What is the loan amount of BSCC?
A maximum loan amount of Rs. 4 lakh.
Who is eligible for student credit card in Bihar?
The applicant must pass the 12th standard and be a resident of Bihar. The age of the applicant should be at least 18 years and a maximum of 25 years. Annual family income should not exceed Rs. 6 lakhs.
What is the interest rate of BSCC loan?
The chargeable interest on this scheme is low at 4%. The interest rate is further lower for females, transgenders & disabled at 1%.