Bihar Student Credit Card Scheme 2025: Eligibility & Apply
Everything You Need to Know About Bihar Student Credit Card Scheme 2025-26 – Benefits, Eligibility, and Application Guide
Choosing an institution for higher studies is one of the most crucial parts of any student's life. From selecting the right college to finding housing and accommodations, money is usually the biggest hurdle in general - and can be more so for some students above others.
The Bihar government, with the aim of ensuring that no student from the state of Bihar has to abandon their dreams of higher education due to financial constraints, introduced the Bihar Student Credit Card Scheme (BSCCS). Let's take a look at everything you need to know regarding this 2025 scheme — benefits, eligibility, loan coverage, and application.
What is the Bihar Student Credit Card Scheme?
On 2nd October 2016, the Bihar Student Credit Card Scheme was launched as an initiative of the Mukhyamantri Nishchay Yojana Scheme to create equitable, extensive, and easy access to higher education to all the students of Bihar.
Eligible students can receive an education loan for ₹4 lakh under this scheme to pursue higher education after completing Class 12 for any recognized graduate, professional, or technical course, offered by any Institution or University in India.
The scheme continues in 2025 with the same objective, to enable youth from low-income families to attend higher education with affordable financial burden.
Key Features of the BSCCS
Support from the Government: Once again, the benefit of being backed by the Bihar government implies that students do not have to provide collateral.
Interest Rates are Fair:
- 1% for girls, transgender and differently able
- 4% for male students
Flexible Repayment: Students start paying back 1 year after the course has ended giving them the potential to find work.
Designed for Empowerment: The Loan Scheme provides not only education to students from rural or low-income families, but it is to access higher education streams such as engineering, medicine, management, arts and similar streams.
Easy Application Process: The online application submitted solely and the support offered from the DRCC makes the application simple and fun for students.
Loan Coverage under the Scheme
The Bihar Student Credit Card Scheme gives up to a maximum loan limit of ₹4 lakh, the amount of loan approved will be based on your course costs.
For instance, if your total costs of education (tuition, hostel, and other academic fees) are ₹3.5 lakh, you will be eligible to receive ₹3.5 lakh — not the whole ₹4 lakh.
Covered:
- Tuition
- Hostel (only with a college offer and listed in the fee schedule, and charged by the college)
- Academic related costs, such as library, lab, and exam fees
Not Covered:
- Accommodation off-campus (private PGs or rented flats), transportation, or personal costs, or food/mess fees not listed in the college schedule.
💡 Note: Expenses which are completely listed and verified by your institution official fee schedule — and total cost does not exceed ₹4 lakh are eligible.
Benefits of the Bihar Student Credit Card Scheme
- No financial worry for your education:
- Low interest rates, which can be subsidized.
- Repayment period of 12 months after course ends.
- No collateral or surety required.
- Courses and institutions must be registered and recognized.
Eligibility Criteria (2025)
To apply for the Bihar Student Credit Card Scheme 2025, you must meet the following eligibility criteria:
- Must have qualified Class 12 from a recognized board (BSEB, CBSE, ICSE, or equivalent)
- Must be enrolled in an institution in India recognized for graduation, technical, or professional courses
- Must be a bonafide resident of the state of Bihar
- Age limit: 25 years, or below at the time of application
- The opted course must be approved by the designated authority (AICTE, UGC, etc.)
How to Apply for Bihar Student Credit Card in 2025 – Step-by-Step Process
Step 1: Register on the Official Portal
- Go to: https://www.7nishchay-yuvaupmission.bihar.gov.in
- Select “New Applicant Registration”
- Provide your name, mobile number, email ID, and Aadhaar details
Step 2: Log In and Fill The Application Form
Log In using the OTP sent to your mobile/email
Choose the "Student Credit Card" from the schemes
Upload the required documents like your photo, admission letter, course details
Step 3: Submit Application and Track Application
After submitting you will be provided with an Application ID
Use this Application ID to track the application at any time on this portal
Step 4: Document Verification at DRCC
You will be called for verification at District Registration and Counselling Centre (DRCC)
Carry all original documents for physical verification
Step 5: Loan Approval and Disbursement
After verification your loan will be sanctioned and fully disbursed to the bank account of your institution
Required Documents Checklist
The following is the list of documents required in order to begin completing your application for admission:
- Aadhaar card
- PAN card (if available)
- 10th class/12th class mark sheets
- Admission letter
- College fees structure
- Bank passbook
- Latest size photo
- Residence certificate
- Income proof certificate
- College/University recognition certificate (if applicable)
Final Takeaway
The Bihar Student Credit Card Scheme is a lot more than a loan: It’s a lifeline for aspiring students who want to pursue higher education classes and need financial support. If you are considering continuing your education beyond Class 12, this is one of the safest and most reliable government-backed solutions in 2025.
👉 Go to theadmission.org to see if you're eligible and to initiate your journey towards a safer and predictable educational future starting today!
Frequently Asked Questions
- Does that mean the loan will be interest-free?
No, the loan will not be interest-free, but there is a subsidized rate for the loan, being 4% for males, and 1% for girls, transgenders, and differently-abled individuals. - Can I submit an application if I'd already begun the course?
Yes, you can still make an application regardless of when you began the course, as long as you are in the same admission year, i.e. the same academic year. - If I drop out of the course will I have to repay the loan?
You will be required to begin repayment of the loan 12 months after you have quit the course but you will still be accountable for loan repayment. - Can I reapply if my application is rejected?
Yes, but make sure to resolve the issue that led to the rejection before reapplying.
