Thinking about pursuing a professional medical course like BAMS (Bachelor of Ayurvedic Medicine and Surgery) is one of the biggest decisions in a student’s life. You have to not only make decisions on the right Ayurvedic college, but find ways to cover living costs, book material and, most importantly, your tuition expenses, this is where the Bihar Student Credit Card Scheme can help you truly on your Ayurvedic career path.

Through the BAMS admission under Bihar Student Credit Card Scheme initiative, students from Bihar can obtain low-cost education loans without the worry of expenses. Deriving from this overview, let’s review how to get the plan working in 2025, benefits of using the plan, and how to obtain a BAMS study seat through this program.

Bihar Student Credit Card Scheme and BAMS

The Bihar Student Credit Card Scheme (BSCCS) was initiated on 2nd October 2016 under the Mukhyamantri Nishchay Yojana, in an effort to ensure that students who deserve a higher education have access to it. In this scheme, students can take loans of up to 4,00,000 rupees to engage in graduation courses in India – including professional medical courses, like BAMS.

For students who want to enter Ayurvedic colleges, this scheme begins to make studying for the BAMS program more affordable and provides support for those who may struggle with the high costs otherwise.

Features of BSCCS for BAMS Students

• Loans that do not require collateral - No need for collateral in the form of an asset; the loan is guaranteed by the government.
• Low interest rate - Interest rates are 1% for girls, transgender, and disabled students, and 4% for boys.
• Long repayment - Payments begin one year after the completion of the BAMS degree.
• Total coverage - Covers tuition, boarding (if on campus), and other basic educational expenses.
• Empowerment through Ayurveda - Assists rural and disadvantaged students to gain access to professional Ayurvedic education.

Loan Coverage for BAMS Education

BSCCS allows up to ₹4 lakh loan limit, but the sanctioned amount will depend on your BAMS college's fee structure.

For example:

• If the Ayurvedic college fee (including hostel and other educational expenditure) is ₹3.2 lakh, then you will be sanctioned ₹3.2 lakh.
• If the fees are greater than ₹4 lakh, then only ₹4 lakh will be sanctioned and the remainder will have to be managed other than the loan.

Hostel & Mess Coverage for BAMS Students:

Only hostel fees that are included in the official fee structure of the college will be reimbursed.

For instance, any food charges incorporated in hostel facilities will be approved as legitimate.

However, any off-campus PG or rented flat will not be eligible for reimbursement.

Benefits of BAMS Education Loan under BSCCS 2025

• Financial independence to study Ayurveda, and not have to worry about money!
• Lower interest rates than borrowing from a private education loan.
• No collateral, therefore available for everyone.
• Wide eligibility requirements because many BAMS colleges that accept the BSCC loan are recognized institutions across India.
• Support for Ayurvedic education fully supports India's goal to provide access to holistic healthcare.

Eligibility Criteria for BAMS Students under BSCCS 2025

• Must have completed Class 12 from a recognized board (BSEB, CBSE, ICSE, etc.).
• Must have been admitted to a recognized Ayurvedic college in India.
• Age should not exceed 25 years at the time of application.
• Must be a permanent resident of Bihar.
• The BAMS course should be recognized by respective Ayurvedic regulatory body (CCIM/NCISM).

How to Take Admission in BAMS with BSCC – Step by Step

1. Register Online
   Go to the Official Website
   Select ‘New Applicant Registration’ and enter details like Aadhaar, name, email and phone.
2. Fill Out the Application
   Log in using the OTP.
   Choose Student Credit Card scheme.
   Upload the Admission letter, fee details and personal documents.
3. Track Application Status
   Once you submit the application, you will be given the application ID to check the status online.
4. Document Verification at DRCC
   Attend the DRCC for verification with original documents.
   You must submit your Class 12 marksheet, admission letter, residence certificate etc.
5. Disbursal of Loan Amount
   Once you are approved, the loan amount will be directly credited to your BAMS college's account.

Document Checklist for BAMS Loan

• Aadhaar Card
• PAN Card (if available)
• 10th & 12th Marksheets
• BAMS admission letter from college
• Fee structure with hostel charges (if any)
• Bank passbook
• Residence & income certificate
• Passport-size photographs

Take-Up

The BAMS education loan under BSCCS 2025 is more than just financial aid – it’s a way to access your affordable Ayurvedic education. With coordination from leaders in the field such as Ayurvedic education help – TheAdmission.org, you can simply apply BAMS through BSCCS – TheAdmission.org and enroll in approved colleges.

So, don’t allow finances to keep you from pursuing your dream. Identify your BAMS eligibility for BSCC today and launch your journey as an Ayurvedic doctor.