Bihar Student Credit Card Scheme

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

1. The applicant must be a resident of Bihar state and should be at least 25 years. 1. The applicant must have passed the class 12th. 1. The applicant must get admission to a course in an authorized institute. 1. The applicant must complete the entire course.

Last verified

11 Jun 2026

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

Documents Required

• ✓ Aadhaar or valid identity proof
• ✓ Address proof
• ✓ Bank account details
• ✓ Eligibility-specific certificate or record

How to Apply

1. Step 1: Online application — step 1

   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. Selects 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 acknowledgement 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 to the DRCC. The applicants can also track their application status on https://www.7nishchay-yuvaupmission.bihar.gov.in/addapplicationStatus .

FAQ

Sources & References

• Official scheme website ↗
• Guidelines ↗
• Process Flow ↗
• FAQ ↗
• View on myScheme (Government of India) ↗
• Information is summarised from official government sources. Verify all details on the official website before applying.