Bihar Student Credit Card Scheme: Education is the most powerful tool to build a strong future, but financial constraints often stop deserving students from pursuing higher studies. To overcome this challenge, the Government of Bihar introduced the Bihar Student Credit Card Scheme, implemented through District Registration cum Counseling Centers (DRCC). For students planning higher education in 2026, understanding the Bihar Student Credit Card Scheme 2026 is extremely important.

This comprehensive guide explains everything about DRCC – Bihar Student Credit Card Scheme 2026, including eligibility, benefits, loan amount, EMI options, approved colleges, application process, documents required, and important tips. If you are a Bihar student aiming for higher education, this article will help you make an informed decision.

What is DRCC – Bihar Student Credit Card Scheme 2026?

The Bihar Student Credit Card Scheme 2026 is a flagship education loan scheme launched by the Bihar Government under the Mukhyamantri Nishchay Swayam Sahayata Bhatta Yojana (MNSSBY). The scheme is executed at the district level through DRCC (District Registration cum Counseling Center).

Under this scheme:

• Students can avail an education loan up to ₹4,00,000
• The loan is provided at a very low, government-subsidized interest rate
• Repayment starts after course completion
• No collateral or guarantor is required

The main objective of the Bihar Student Credit Card Scheme 2026 is to ensure that no student is deprived of higher education due to financial problems.

Role of DRCC in Bihar Student Credit Card Scheme 2026

DRCC plays a crucial role in the smooth implementation of the scheme.

Functions of DRCC

• Registration of students under MNSSBY
• Verification of documents
• Counseling and guidance for students
• Forwarding applications to banks
• Monitoring loan approval process

Every eligible student must visit or interact with the DRCC of their respective district during the application process for the Bihar Student Credit Card Scheme 2026.

Objectives of Bihar Student Credit Card Scheme 2026

The key objectives of the Bihar Student Credit Card Scheme 2026 include:

• Promote higher education among Bihar students
• Provide financial support for professional and technical courses
• Reduce dropouts due to financial constraints
• Encourage students to study in reputed institutions across India
• Support skill development and employability
• Empower youth through accessible education loans

Key Highlights of Bihar Student Credit Card Scheme 2026

Here are the major highlights:

• 🎓 Education loan up to ₹4 lakh
• 🎓 Applicable for UG, PG, diploma, technical & professional courses
• 🎓 Low interest rate (subsidized by Bihar Government)
• 🎓 EMI starts after course completion
• 🎓 Repayment period up to 15 years
• 🎓 No collateral or security required
• 🎓 Colleges inside and outside Bihar covered
• 🎓 Transparent and student-friendly system

Who Can Apply for Bihar Student Credit Card Scheme 2026? (Eligibility Criteria)

To apply under the Bihar Student Credit Card Scheme 2026, students must fulfill the following conditions:

1. Domicile Requirement

• Applicant must be a permanent resident of Bihar

2. Educational Qualification

• Must have passed Class 12 (10+2) from a recognized board

3. Age Limit

• Generally between 18 to 25 years
• Relaxation may be provided in special cases

4. Admission Status

• Student must have secured admission in a recognized and approved college
• The college must be listed under the BSCC-approved college list

Courses Covered Under Bihar Student Credit Card Scheme 2026

The Bihar Student Credit Card Scheme 2026 covers a wide range of courses:

Undergraduate (UG) Courses

• B.Tech / B.E
• B.Sc / B.Com / B.A
• BBA / BCA
• B.Pharm
• B.Sc Nursing
• LLB / BA LLB
• B.Ed

Postgraduate (PG) Courses

• MBA / MCA
• M.Tech
• M.Sc / M.Com / M.A
• M.Pharm
• LLM
• M.Ed

Professional & Technical Courses

• MBBS / BDS
• Nursing (GNM / ANM)
• Polytechnic / Diploma
• Hotel Management
• Agriculture & Allied Sciences
• Fashion & Design

Note: Courses are eligible only if offered by colleges approved under the Bihar Student Credit Card Scheme 2026.

Loan Amount & Interest Under Bihar Student Credit Card Scheme 2026

Loan Amount

• Maximum loan amount: ₹4,00,000
• Loan amount depends on course fee and duration

Interest Rate

• Interest rate is highly subsidized by the Bihar Government
• Students pay minimal interest during repayment

Loan Usage

The loan can be used for:

• Tuition fees
• Hostel and accommodation charges
• Books and study material
• Laptop and academic equipment
• Other education-related expenses

EMI & Repayment Options (BSCC 2026)

One of the biggest advantages of the Bihar Student Credit Card Scheme 2026 is flexible EMI repayment.

Indicative EMI Table

🔹 EMI starts only after course completion
🔹 No repayment burden during study period

Approved Colleges Under Bihar Student Credit Card Scheme 2026

Loan approval depends on college eligibility.

Types of Approved Colleges

• Government colleges & universities
• Central universities
• State universities
• UGC-recognized private universities
• Deemed universities
• AICTE / PCI / NMC / BCI approved institutions

Location Coverage

• Colleges within Bihar
• Colleges across India (Delhi, UP, Punjab, Maharashtra, Karnataka, etc.)

Students must verify their college from the official BSCC college list before applying for the Bihar Student Credit Card Scheme 2026.

Step-by-Step Application Process via DRCC (BSCC 2026)

Step 1: Online Registration

Register on the official MNSSBY portal.

Step 2: Login & Scheme Selection

Choose Bihar Student Credit Card Scheme.

Step 3: Application Form

Fill personal, academic, and course details carefully.

Step 4: College Selection

Select college from the BSCC-approved list.

Step 5: Document Upload

Upload all required documents.

Step 6: DRCC Counseling

Attend counseling at your district DRCC.

Step 7: Bank Processing

Application is forwarded to the bank.

Step 8: Loan Sanction

Loan amount is sanctioned and disbursed.

Documents Required for DRCC Bihar Student Credit Card Scheme 2026

• Aadhaar Card
• Bihar Domicile Certificate
• Class 10 & 12 Marksheet
• Admission Letter
• College Fee Structure
• Income Certificate
• Bank Account Details
• Passport Size Photograph

Benefits of Bihar Student Credit Card Scheme 2026

The scheme offers multiple benefits:

• ✔ Affordable education loan
• ✔ No collateral required
• ✔ Supports education outside Bihar
• ✔ EMI after course completion
• ✔ Government-backed and secure
• ✔ Encourages professional education
• ✔ Reduces financial stress on families

Common Reasons for Rejection

Avoid these mistakes:

• ❌ College not approved under BSCC
• ❌ Incomplete or incorrect documents
• ❌ Invalid admission proof
• ❌ Incorrect personal details
• ❌ Age eligibility issues

Important Tips for Students Applying in 2026

• Verify college eligibility before admission
• Apply early to avoid delays
• Keep all documents ready
• Follow DRCC instructions carefully
• Avoid agents promising “guaranteed approval”
• Track application status regularly

Frequently Asked Questions (FAQs)

FAQs – Bihar Student Credit Card Scheme 2026

(These FAQs are written to improve Google ranking)

1. What is Bihar Student Credit Card Scheme 2026?

The Bihar Student Credit Card Scheme 2026 is a government education loan scheme providing up to ₹4 lakh for higher studies.

2. What is DRCC in Bihar Student Credit Card Scheme 2026?

DRCC is the district-level center that handles registration, counseling, and verification of BSCC applications.

3. Who is eligible for Bihar Student Credit Card Scheme 2026?

Bihar domicile students who have passed Class 12 and taken admission in a BSCC-approved college are eligible.

4. What is the maximum loan amount under Bihar Student Credit Card Scheme 2026?

The maximum loan amount is ₹4,00,000.

5. Is collateral required for Bihar Student Credit Card Scheme 2026?

No, collateral or security is not required.

6. When does EMI start under Bihar Student Credit Card Scheme 2026?

EMI starts only after completion of the course.

7. Can students study outside Bihar under this scheme?

Yes, students can study outside Bihar if the college is approved under BSCC.

8. Which courses are covered under Bihar Student Credit Card Scheme 2026?

UG, PG, diploma, technical, medical, management, and professional courses are covered.

9. Are private colleges eligible under BSCC 2026?

Yes, UGC-recognized and government-approved private colleges are eligible.

10. What is the repayment period under Bihar Student Credit Card Scheme 2026?

The repayment period can go up to 15 years.

11. Is there any income limit for BSCC 2026?

There is no strict income limit, but an income certificate is required.

12. Can diploma students apply for Bihar Student Credit Card Scheme 2026?

Yes, diploma and polytechnic students can apply.

13. What happens if my college is not approved under BSCC?

Your application will be rejected.

14. Is Bihar Student Credit Card Scheme 2026 applicable for girls?

Yes, the scheme is applicable for both male and female students.

15. Why is Bihar Student Credit Card Scheme 2026 important?

It helps students pursue higher education without financial burden and promotes equal education opportunities.

Conclusion

The DRCC – Bihar Student Credit Card Scheme 2026 is a powerful initiative that ensures equal access to higher education for Bihar students. With financial support up to ₹4 lakh, low interest, flexible EMI options, and coverage across India, the Bihar Student Credit Card Scheme 2026 removes financial barriers and empowers students to achieve their academic dreams.

If you are planning higher studies in 2026, applying for the Bihar Student Credit Card Scheme 2026 through DRCC can be a life-changing decision.