What is the Bihar Student Credit Card Yojana?
The Bihar Student Credit Card (BSCC) Yojana is a flagship scheme launched by the Government of Bihar in 2016 under the Mukhyamantri Nischay Swayam Sahayata Yojana. It provides education loans of up to ₹4 lakh at 0% interest to students who have passed Class 12 from Bihar and wish to pursue higher education.
This scheme has helped thousands of students from Bihar pursue engineering, medical, management, and other professional courses that they otherwise could not afford.
**Key Fact:** As of 2025, over 50,000 students have benefited from this scheme across Bihar.
Who is Eligible?
To be eligible for the Bihar Student Credit Card:
- You must be a resident of Bihar (domicile required)
- You must have passed Class 12 (Intermediate) from a Bihar-based institution
- You must be between 18 and 25 years old
- Your family income should not exceed ₹6 lakh per annum
- You must be enrolled in a recognized course at a recognized institution
- The course should be of duration 1 year or more
How Much Loan Can You Get?
The scheme provides a maximum loan of ₹4,00,000. This amount is given as a credit card (or through a bank loan) and can be used for:
- Tuition fees
- Hostel and mess charges
- Books and study materials
- Examination fees
- Travel expenses (for students studying outside Bihar)
**Important:** The loan is interest-free during the study period. You start repaying after completing your course, with a moratorium period.
Documents Required
Prepare these documents before applying:
1. Aadhaar Card (mandatory)
2. Bihar Domicile Certificate
3. Class 10 and 12 Mark Sheets and Certificates
4. Admission Letter / Fee Receipt from the college
5. Income Certificate (family income below ₹6 lakh)
6. Caste Certificate (if applicable)
7. Bank Account Details (passbook copy)
8. Passport-size Photographs
9. College ID / Bonafide Certificate
10. Course Fee Structure from the college
Step-by-Step Application Process
Step 1: Register Online
Visit the official BSCC portal (studentcreditcard.bihar.gov.in) and create an account with your Aadhaar number and mobile number.
Step 2: Fill the Application Form
Enter your personal details, academic details, and course details. Upload all required documents.
Step 3: Choose Your Bank
You can choose from partner banks including SBI, Bank of Baroda, Canara Bank, and others.
Step 4: Visit the DRCC Office
After online submission, visit your nearest District Registration and Counselling Centre (DRCC) office with original documents for verification.
Step 5: Bank Verification
The bank will verify your application and documents. They may call you for a brief interview.
Step 6: Loan Disbursement
Once approved, the loan amount is disbursed directly to your college account or to your bank account as per the fee structure.
**Timeline:** The entire process typically takes 30–45 days from application to disbursement.
Which Colleges are Covered?
The BSCC covers a wide range of institutions:
- Government and private colleges within Bihar
- Recognized colleges and universities outside Bihar (including IITs, NITs, AIIMS, private colleges in Delhi NCR, UP, Bangalore, etc.)
- Professional courses like B.Tech, MBBS, MBA, BBA, BCA, B.Pharma, LLB, B.Ed, Nursing, and more
**Note:** The college must be **UGC/AICTE/NMC recognized**. Unrecognized colleges are not covered.
Repayment Terms
- Moratorium period: During the course duration + 1 year after completion
- Repayment period: Up to 7 years after the moratorium
- Interest rate: 0% during study period; after moratorium, a nominal interest rate may apply (check with your bank)
- No collateral required for loans up to ₹4 lakh
Common Reasons for Rejection
1. Incomplete documents — missing income certificate or domicile
2. College not recognized — always verify before taking admission
3. Age limit exceeded — must be under 25 at the time of application
4. Income exceeds ₹6 lakh — ensure your income certificate is accurate
5. Course duration less than 1 year — diploma courses of 6 months are not eligible
Career Villa has helped over 1000 students successfully get the Bihar Student Credit Card. We assist with document preparation, college selection (from BSCC-approved colleges), and the entire application process — all for free. Call +91 96434 19947 today.