Bihar Student Credit Card (बिहार स्टूडेंट क्रेडिट कार्ड) – Complete Guide
The Bihar Student Credit Card (BSCC) is a government education loan support scheme launched by the Government of Bihar to help students from economically weaker backgrounds pursue higher education (after class 12) without financial barriers.
🎯 What Is the Bihar Student Credit Card Scheme?
The scheme provides education loans up to ₹4 lakh to eligible students for pursuing higher studies — including general, professional, and technical courses like B.A., B.Sc., Engineering, Medical (MBBS), MBA, etc. The goal is to ensure that no student in Bihar is forced to discontinue education due to lack of funds.
➡️ Originally started on 2 October 2016 as part of the “Viksit Bihar Ke Saat Nishchay” initiative.
💡 Key Features / Benefits
- 💰 Loan Amount: Up to ₹4,00,000 for higher education.
- 📚 Usage: Tuition fees, study materials (books, stationery), laptops, hostel & living expenses.
- 📉 Interest Rate: Originally low (about 4% for general, 1% for women, transgender, and disabled students), but recently the state government announced interest-free loans for all students under the scheme.
- 🧑🎓 Repayment: Flexible repayment begins after course completion and employment (details vary by loan amount and policy).
🧾 Who Is Eligible?
To qualify for the Bihar Student Credit Card:
- ✅ You must be a permanent resident of Bihar.
- ✅ Passed class 12 (or equivalent) from a recognized board/school.
- ✅ Admission/selection in a recognized institution for higher education.
- ✅ Age limit: Generally below 25 years for undergraduate courses (up to 30 years for some postgraduate/advanced courses).
- ⚠️ You must not already be receiving any other government scholarship, student credit card loan, or education assistance.
📋 Required Documents (Typical)
Though requirements vary by year and portal updates, commonly needed documents include: (Job Marg)
- Aadhaar Card
- Residence/ domicile certificate
- 10th and 12th mark sheets
- Bank account linked with Aadhaar
- Income certificate
- Admission proof for the course
📝 How to Apply (Online Process)
- Visit the official portal of MNSSBY – Bihar Government: https://www.7nishchay-yuvaupmission.bihar.gov.in/
- Click New Applicant Registration and enter your details (name, mobile, email, Aadhaar, etc.) to receive OTP.
- Login using credentials sent via SMS/email.
- Select Bihar Student Credit Card scheme from the menu.
- Fill required educational and financial details, upload documents, and submit.
📨 After submission, you’ll receive a unique registration number for tracking.
📌 Latest Update (2025)
The Bihar government has made education loans under the Student Credit Card scheme completely interest-free for all eligible students — a major update announced by the Chief Minister in September 2025.
🧠 Quick Summary
| Feature | Detail |
|---|---|
| Loan Amount | Up to ₹4,00,000 |
| Purpose | Higher education expenses (fees, books, hostel, equipment) |
| Interest | Interest-free (new update) / previously low rates |
| Eligibility | Bihar resident, passed 12th, admission in recognized course |
| Application | Online via official portal ( |