Bihar Student Credit Card Scheme 2026 – Apply Online, Eligibility & Benefits
The Bihar Student Credit Card Scheme (BSCC) is an important education loan initiative launched by the Government of Bihar under the 7 Nishchay Yojana. This scheme is specially designed to support students who want to pursue higher education but face financial difficulties.
Under this scheme, eligible students can avail an education loan of up to ₹4 lakh at very low interest rates to complete their studies in general, technical, and professional courses.
Objective of Bihar Student Credit Card Scheme
The main objective of the Bihar Student Credit Card Scheme is to:
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Encourage higher education among Bihar students
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Provide easy and affordable education loans
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Reduce dropout rates due to financial constraints
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Support professional and technical education
This scheme ensures that no deserving student is deprived of education due to lack of money.
Benefits of Bihar Student Credit Card Scheme
Eligible students will receive the following benefits:
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✅ Education loan up to ₹4,00,000
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✅ Loan applicable for General, Technical & Professional courses
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✅ Funds can be used for:
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Course fees
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Books and study materials
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Laptop or digital devices
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✅ Repayment starts only after course completion and employment
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✅ 1% interest rate for:
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Girl students
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Divyang (PwD) students
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Transgender students
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✅ Flexible repayment terms
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✅ Government-backed and secure loan process
Courses Covered Under BSCC Scheme
Students can take loans for the following courses:
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B.A / B.Sc / B.Com
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B.Tech / Engineering
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Polytechnic courses
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MBBS / Medical courses
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Law, Management & other professional courses
The course must be from a recognized institution approved by State/Central Government or regulatory bodies.
Eligibility Criteria for Bihar Student Credit Card Scheme
To apply for this scheme, the applicant must fulfill the following conditions:
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✔ Must be a resident of Bihar
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✔ Must have passed Class 12th
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✔ Must be below 25 years of age at the time of application
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✔ Must have secured admission in a recognized institute
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✔ Must complete the entire course for loan continuation
Bihar Student Credit Card Scheme Online
Step-by-Step Application Process
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Visit the official website:
👉 https://www.7nishchay-yuvaupmission.bihar.gov.in/ -
Click on “New Applicant Registration”
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Enter details such as:
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Name
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Mobile Number
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Email ID
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Aadhaar Number
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Verify via OTP and submit
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Login using Username & Password received via SMS/Email
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Fill in Personal Information
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Select BSCC (Bihar Student Credit Card) option
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Fill the application form and submit
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Note the Acknowledgement Number
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Visit the District Registration & Counseling Center (DRCC) on scheduled date
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Submit self-attested documents for verification
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After approval, collect:
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Student Credit Card
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Bank Loan Sanction Letter
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Complete bank formalities and receive loan disbursement
Documents Required for BSCC Scheme
Applicants must submit the following documents:
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Filled Common Application Form
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Aadhaar Card
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PAN Card
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Class 10th & 12th Marksheet and Certificate
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Proof of Admission
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Approved Course Structure
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Fee Schedule
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Passport Size Photographs
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Income Certificate
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Last 2 Years Income Tax Return
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Last 6 Months Bank Statement
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Residence Proof (Voter ID / Passport / Driving License)
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Tax Receipt
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Scholarship Letter (if available)
❓ Frequently Asked Questions (FAQs)
What is Bihar Student Credit Card Scheme?
It is a Bihar Government education loan scheme providing loans up to ₹4 lakh to students for higher education.
Who can apply for BSCC?
Only Bihar domicile students who have passed Class 12th and are under 25 years.
Can students from other states apply?
❌ No, only Bihar residents are eligible.
What is the interest rate?
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1% for girls, Divyang & transgender students
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Low standard interest for others
When does loan repayment start?
Repayment starts after completion of course and securing employment.
Important Links
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Apply Online:
https://www.7nishchay-yuvaupmission.bihar.gov.in/addFtrUserPage -
Application Status:
https://www.7nishchay-yuvaupmission.bihar.gov.in/addapplicationStatus
Sources And References
Conclusion
The Bihar Student Credit Card Scheme is a powerful step toward building an educated and skilled Bihar. If you are a student with dreams of higher education but limited financial resources, this scheme can help you achieve your goals without financial stress.
