Yozni.Login
Bihareducation-learning

Bihar Student Credit Card Scheme

Education loan up to Rs. 4 lakh at subsidized interest for higher education

Ministry / Department
Government of Bihar
Level
State
Benefit type
loan
Last verified: 18 Jun 2026

What is Bihar Student Credit Card Scheme?

Education loan up to Rs. 4 lakh at subsidized interest for higher education

Benefit
The eligible students will get the following benefits under this scheme:- 1. A maximum loan amount of ₹4 lakh. 1. Loan can be availed for polytechnic, technical and general courses. 1. This assistance may be utilized for purchasing of books and laptops or pay any kind of fees. 1. Repayment of the loan starts once the course has been completed and student have secured a job. 1. The interest rate of the loan is 1% for Divyang, transgender, and girl students. 1. The recovery procedures are flexible since the loan is government-owned.
Level
State — Bihar
Ministry / Dept.
Government of Bihar
Benefit type
loan
Key eligibility
The applicant must be a resident of Bihar state and should be at least 25 years.
Last verified
18 Jun 2026

Overview

The Department of Education introduced a scheme named "Bihar Student Credit Card Scheme". Its aim is to provide financial aid to students to complete their higher education. In this scheme, the students can avail loans of up to ₹4 lakhs at minimal interest rates. They can utilize these funds for financing courses like B.Sc, B.A, B.Tech, or MBBS. This scheme is specifically for all those students who are interested in pursuing higher education but due to lack of financial resources, they are not able to pursue the same.

Benefits

The eligible students will get the following benefits under this scheme:-

1. A maximum loan amount of ₹4 lakh.

1. Loan can be availed for polytechnic, technical and general courses.

1. This assistance may be utilized for purchasing of books and laptops or pay any kind of fees.

1. Repayment of the loan starts once the course has been completed and student have secured a job.

1. The interest rate of the loan is 1% for Divyang, transgender, and girl students.

1. The recovery procedures are flexible since the loan is government-owned.

Eligibility

  • The applicant must be a resident of Bihar state and should be at least 25 years.
  • The applicant must have passed the class 12th.
  • The applicant must get admission to a course in an authorized institute.
  • The applicant must complete the entire course.
Area: BiharBenefit: loan

Documents Required

  • ✓ Filled 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
  • ✓ Previous six months’ bank statement
  • ✓ Proof of residence (Passport, ID, driving license, Voter ID)
  • ✓ Tax receipt

How to Apply

  1. Step 1: Online application

    1. Visit https://www.7nishchay-yuvaupmission.bihar.gov.in/ website. 1. Click the ‘New Applicant Registration’ button. 1. Fill the details, such as name, email ID, mobile number, Aadhaar number, and OTP and click the ‘Submit’ button. 1. A successful registration message will be displayed, and the applicants will receive the username and password by email and SMS. 1. Visit the https://www.7nishchay-yuvaupmission.bihar.gov.in/ website and log in using the username and password. 1. Fill the details on the ‘Personal Information Page’ and click the ‘Submit’ button. 1. Selects the ‘BSCC’ option from the drop-down list and click the ‘Apply’ button. 1. Fill in the details on the BSCC form and submit it. A confirmation message and the acknowledgement number will be displayed. 1. 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. 1. The applicant should visit the DRCC with self-attested documents and submit them to the Multi-Purpose Assistant (MPA) for verification. 1. 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. 1. 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. 1. The applicant will get the loan disbursement from the bank, and bank officials will inform the same to the DRCC. 1. The applicants can also track their application status on https://www.7nishchay-yuvaupmission.bihar.gov.in/addapplicationStatus.

FAQ

What is Student Credit Card Scheme ?

Bihar govt. had decided to set up an Education Finance Corporation for loan disbursement to students under BSCC Scheme.

Who may get the scheme benefits ?

Students of Bihar State can get the scheme benefits.

What are the benefits under BSCC scheme ?

Bihar State Students will get Educational Loans up to Rs. 4 Lacks

Who may apply for BSCC scheme ?

1. Students should be residents of Bihar. 2. Students should be passed the 12th class from the state of Bihar. 3. It is mandatory that the students have taken enrollment in an educational institution recognized by the concerned regulatory agency of Bihar and other state or central government. 4. This loan can be given for general higher education courses and various professional/technical courses like- BA / B.Sc / Engineering / MBBS / Management / Law etc. 5. The applicant's age should not be more than 25 years on the date of applying for the loan to be benefited under this scheme. 6. If the applicant has a degree of one level, then the same level of degree will not be covered under this scheme. This provision will not apply to technical or managerial courses. 7. In case of dropout by the beneficiaries for whatever reason, the balance amount of the loan from the time of dropout will not be made available to the institution or the student.

How to apply for the scheme ?

1. Applicants may register their self. 2. After authentication through OTP, Applicants may fill the application form. 3. And Submit.

What is the URL to apply online ?

Click on the following link. URL : https://www.7nishchay-yuvaupmission.bihar.gov.in/addFtrUserPage

What documents are required while submitting the online application ?

No documents are to be attached online.

What is the minimum education qualification required ?

Students should be passed the 12th class from the state of Bihar.

Can other state students also apply for this scheme?

No, Students should be residents of Bihar.

What is the maximum age to avail the scheme benefits ?

The applicant's age should not be more than 25 years on the date of applying for the loan to be benefited under this scheme.

Sources & References

Ready to apply?

Applications are accepted only on the official government portal.

Open Official Website

Find Similar Schemes

education-learningIndia

AICTE - Grant For Augmenting Infrastructure In North Eastern Region

The scheme "AICTE - Grant for Augmenting Infrastructure in North Eastern Region (GAINER)" was introduced by AICTE to enhance the functional efficiency of the technical institutes located in far-flung areas of North East India, by addressing deficiencies in water, electricity, and internet.

View Scheme
social-welfare-empowermentMaharashtra

Aam Aadmi Bima Yojana (Maharashtra)

The "Aam Aadmi Bima Yojana" scheme is implemented by the Social Justice & Special Assistance Department, Government of Maharashtra. This Centrally Sponsored Scheme is aimed at providing insurance and scholarship benefits to landless labourers in rural areas, aged 18 to 59 years.

View Scheme
More education-learning schemes →Bihar schemes →All schemes →