The Bihar Student Credit Card (BSCC) Yojana is one of the best education loan schemes in India — and it's specifically designed for Bihar students. If you're from Bihar and worried about college fees, this scheme can help you get up to ₹4 lakhs without collateral. Here's everything you need to know.
Quick Summary: Bihar Student Credit Card = Up to ₹4 Lakh education loan, 4% interest (1% for women/disabled/transgender), no collateral required, no guarantor, repayable after you get a job.
What Is the Bihar Student Credit Card Yojana?
Launched by the Bihar government in 2016, the Bihar Student Credit Card (BSCC) Yojana provides education loans to students who have passed Class 12 from Bihar and want to pursue higher education. The loan is provided through partner banks at a subsidised interest rate — making it extremely accessible for economically weaker students.
Key Features of BSCC
| Feature | Details |
|---|---|
| Maximum Loan Amount | ₹4,00,000 (Four Lakhs) |
| Interest Rate | 4% per annum (Simple Interest) |
| Interest for Women / Disabled / Transgender | 1% per annum |
| Collateral Required | None (Collateral-free) |
| Guarantor Required | None |
| Repayment Starts | 1 year after course completion or 6 months after getting a job (whichever is earlier) |
| Implementing Banks | SBI, Bank of Baroda, PNB, UCO Bank, Central Bank of India and others |
Who Is Eligible for Bihar Student Credit Card?
- Must be a Bihar domicile holder (permanent resident of Bihar)
- Must have passed Class 12 from a recognised school/board in Bihar
- Age must be 25 years or below at time of application (can be relaxed)
- Must have secured admission in an approved institute/course
- Family income and background conditions may apply for certain sub-schemes
Which Courses Are Covered Under BSCC?
The Bihar Student Credit Card covers a wide range of undergraduate and postgraduate courses. Key courses include:
- B.Tech / Engineering (4 years)
- MBBS / BDS / Medical (5.5 years)
- B.Pharma (4 years)
- BSc Nursing / BAMS / BPT (Allied Health)
- MBA / BBA / Management (2–3 years)
- Law (BALLB / LLB)
- BCA / MCA (Computer Applications)
- B.Ed / D.El.Ed (Education)
- Hotel Management
- Polytechnic / Diploma
- BA / BSc / BCom (General Degrees)
The college/university must be on the approved list of the Bihar Student Credit Card scheme. BookMyCareers helps students confirm whether their chosen college is approved before applying.
Step-by-Step: How to Apply for Bihar Student Credit Card
- Visit the BSCC Official Portal Go to 7nishchay-yuvaupmission.bihar.gov.in and register with your mobile number and Aadhaar details.
- Fill the Online Application Fill in your personal details, course details, college name, and loan amount required. Upload all required documents.
- DRCC Appointment After online application, you'll receive an appointment date at your nearest District Registration and Counselling Centre (DRCC). Visit with original documents.
- Document Verification at DRCC Your documents are verified by the DRCC officer. If everything is in order, your file is sent to the bank.
- Bank Processing The partnering bank processes your loan application. This usually takes 15–30 days.
- Loan Disbursal The loan amount is disbursed directly to your college account in yearly instalments.
Documents Required for BSCC Application
- Aadhaar Card (of student)
- Class 10 Marksheet and Certificate
- Class 12 Marksheet and Certificate
- College Admission Letter / Fee Receipt
- Bihar Domicile / Residence Certificate
- Bank Account Details (of student)
- Passport size photographs (4–6 copies)
- Parent/Guardian's Aadhaar and income proof (if required)
- Income Certificate from Block/Tehsil (if applying under income criteria)
How BookMyCareers Helps with BSCC
The BSCC application process can be confusing, especially for first-time applicants. Our counsellors at BookMyCareers help Bihar students with:
- Verifying whether their chosen college is BSCC-approved
- Preparing the correct document set for DRCC visit
- Filling the online application form accurately
- Following up on the application status
- Coordinating with the bank if there are delays
This service is provided completely free of charge to all students who use our admission counselling service. Call us at +91 95555 00110 or visit our Patna office.
Disclaimer: BSCC scheme details and approved college lists may change. Always verify with the official Bihar government BSCC portal before applying. BookMyCareers provides guidance based on current scheme details.