Student Credit Card Details

📚 Bihar Student Credit Card Scheme Details

The Bihar Student Credit Card (BSCC) Scheme is an initiative of the Government of Bihar under the 7 Nischay Yojana to provide financial assistance to students for higher education. The scheme provides education loans up to ₹4,00,000 to eligible students who have completed their 12th examination.

Students can apply through the official portal: 7nishchay-yuvaupmission.bihar.gov.in. The scheme covers general, technical, and professional courses such as Engineering, MBA, and Law (LL.B / B.A LL.B).

The primary objective of the Government is to increase the Gross Enrollment Ratio (GER) and improve access to higher education. To support this, the state has established new universities, private institutions, and government colleges in remote and educationally backward areas.

Every year, lakhs of students pass Class 10th and 12th in Bihar and aspire to pursue higher education. This scheme ensures that no deserving student is deprived of education due to financial constraints.

Under this scheme, students receive financial support at a subsidized interest rate, enabling them to meet expenses such as tuition fees, books, hostel charges, and digital learning tools like laptops.

🎯 Eligibility Criteria For Bihar Student Credit Card Scheme

• The applicant must be a permanent resident of Bihar
• Must have completed 12th standard from Bihar or recognized institutions
• The applicant must be enrolled in courses approved by Central or State Government
• Maximum age limit for Bachelor's courses: 25 years
• Maximum age limit for Master's courses: 30 years
• Must have valid admission in a recognized institution

Additional Requirements:

• 10th & 12th passing certificates
• Valid address proof (Voter ID / Driving License / Aadhaar)
• Scholarship certificate (if applicable)
• Bank passbook details with IFSC code
• Nomination letter from institution (course duration)
• Fee structure from institution
• Passport size photographs (student & co-applicant)

🎓 Bihar Student Credit Card Course List

• LL.B / B.A LL.B (Law Courses)
• Engineering (B.Tech, Polytechnic)
• Management Courses (MBA, BBA)
• Medical & Paramedical Courses
• General Courses (B.A, B.Sc, B.Com)
• Computer Science & IT Courses
• Diploma & Skill-based Courses

All courses must be from institutions recognized by UGC, AICTE, BCI or relevant authorities.

📄 Documents Required For Bihar Student Credit Card Scheme

• Filled Common Application Form
• Aadhaar Card (Applicant & Co-applicant)
• PAN Card copies
• 10th & 12th Certificates and Marksheet
• Scholarship proof (if available)
• Approved Course Structure
• Admission Letter
• Fee Structure / Fee Schedule
• Passport size photographs
• Income Certificate / Form 16
• Last 2 years Income Tax Return (if applicable)
• Last 6 months Bank Statement
• Address Proof (Aadhaar / Voter ID / Passport / DL)

📝 How to Apply for Bihar Student Credit Card Scheme (Step-by-Step)

1. Visit official website: 7nishchay Bihar Portal
2. Click on “New Applicant Registration”
3. Enter details: Name, Mobile Number, Email, Aadhaar & verify OTP
4. Login using username & password
5. Fill Personal Information Form
6. Select “BSCC Scheme” and click Apply
7. Fill complete application form and submit
8. Note down acknowledgment number
9. DRCC will schedule appointment via SMS/Email
10. Visit DRCC with self-attested documents
11. Verification by officials
12. Loan sanction by bank
13. Collect Student Credit Card & sanction letter
14. Complete bank formalities
15. Loan amount disbursed to institution

💡 Features and Benefits of Bihar Student Credit Card

• Maximum loan amount up to ₹4 Lakhs
• Moratorium period: 1 year after course or 6 months after job
• Simple interest rate: 4%
• Special category (girls, divyang, transgender): 1% interest
• Covers tuition fees, books, laptop, hostel & living expenses
• Direct payment to institutions via RTGS/NEFT
• Support for students living outside hostel
• Available for technical, professional & general courses
• No collateral required
• Government-backed scheme ensuring transparency

❓ Frequently Asked Questions (FAQ’s)