Introduction

Higher education is a dream for many students, but financial limitations often become a hurdle. To overcome this challenge, the Government of Bihar launched the Mukhyamantri Nishchay Swayam Sahayata Bhata Yojana (MNSSBY) under which the Bihar Student Credit Card (BSCC) Scheme was introduced.

This scheme provides financial assistance of up to ₹4 lakh to students who want to pursue higher education in recognized colleges and universities across India.

In this blog, we will cover everything about the MNSSBY Bihar Student Credit Card Scheme, including eligibility, benefits, application process, and a detailed list of colleges approved under the scheme.

What is the Bihar Student Credit Card (BSCC) Scheme?

The Bihar Student Credit Card Scheme (BSCC) was launched in 2016 under the MNSSBY initiative to help students from Bihar pursue higher education without financial stress. The loan covers tuition fees, hostel charges, books, and other educational expenses.

Key Features of the BSCC Scheme

✔ Loan Amount – Up to ₹4 lakh per student
✔ Interest Rate – 0% interest for students who repay on time
✔ Courses Covered – Professional, Technical, and General Degree Programs
✔ College/University Eligibility – UGC, AICTE, MCI, BCI, PCI, and other approved institutions
✔ Loan Repayment – Starts after course completion

Eligibility Criteria for the Bihar Student Credit Card Scheme

To apply for the BSCC Scheme, students must meet the following eligibility conditions:

✅ Age Criteria

• The student must be under 25 years old at the time of application.

✅ Educational Qualification

• Must have completed Class 12 (Intermediate) from Bihar School Examination Board (BSEB) or any other recognized board.

✅ Course Eligibility

• The loan is available for General, Technical, and Professional courses.
• The institution must be approved by UGC, AICTE, MCI, PCI, BCI, or any other recognized body.

✅ Residential Requirement

• The student must be a permanent resident of Bihar.

Courses Covered Under MNSSBY Bihar Student Credit Card Scheme

Students can use the loan to pursue a variety of undergraduate, postgraduate, and diploma programs.

🎓 Undergraduate (UG) Courses

✔ B.Tech (Engineering – Civil, Mechanical, Electrical, etc.)
✔ BBA (Bachelor of Business Administration)
✔ BCA (Bachelor of Computer Applications)
✔ B.Sc (IT, Agriculture, Nursing, etc.)
✔ B.A LLB (Integrated Law Program)
✔ MBBS/BDS (Medical & Dental Courses)
✔ B.Pharm (Bachelor of Pharmacy)
✔ B.Ed (Bachelor of Education)

🎓 Postgraduate (PG) Courses

✔ MBA (Master of Business Administration)
✔ M.Tech (Master of Technology)
✔ MCA (Master of Computer Applications)
✔ M.Sc, MA, M.Com, etc.

🎓 Diploma & Skill Development Courses

✔ Polytechnic Diploma Courses
✔ Hotel Management & Hospitality Courses
✔ Vocational & Skill Development Courses

List of Colleges Under Bihar Student Credit Card (BSCC) Scheme

The BSCC Scheme is applicable in government and private colleges approved by AICTE, UGC, MCI, PCI, BCI, etc. Below is a detailed list of colleges where students can apply using their Bihar Student Credit Card.

Colleges in Bihar Under BSCC Scheme

1. Aryabhatta Knowledge University (AKU), Patna
2. Patna University, Patna
3. Magadh University, Bodh Gaya
4. Lalit Narayan Mithila University (LNMU), Darbhanga
5. Babasaheb Bhimrao Ambedkar Bihar University (BRABU), Muzaffarpur
6. Tilka Manjhi Bhagalpur University (TMBU), Bhagalpur
7. Jai Prakash University (JPU), Chapra
8. B.N. Mandal University (BNMU), Madhepura
9. Veer Kunwar Singh University (VKSU), Ara
10. Nalanda Open University, Patna

Top Private Colleges in India Accepting BSCC Scheme

The Bihar Student Credit Card Scheme is not limited to Bihar. Students can also take admission in approved universities across India. Some of the top institutions include:

✅ Chandigarh University, Punjab
✅ Lovely Professional University (LPU), Punjab
✅ Amity University, Noida & Patna
✅ SRM University, Chennai & Delhi NCR
✅ Manipal University, Karnataka
✅ Sharda University, Greater Noida
✅ MIT Pune
✅ Galgotias University, Greater Noida
✅ UPES Dehradun
✅ Ashoka University, Sonipat

Students should check with the college administration to confirm if they accept Bihar Student Credit Card funding.

How to Apply for the MNSSBY Bihar Student Credit Card Scheme?

Applying for the Bihar Student Credit Card is simple and can be done online or offline.

🔹 Step 1: Online Registration

• Visit the official MNSSBY portal: collegekampus.com/bihar-credit-card-drcc-scheme-colleges-name/
• Click on Student Credit Card and register with your details.

🔹 Step 2: Fill the Application Form

• Provide your personal, educational, and financial details.
• Upload necessary documents such as Aadhar Card, Class 12 Marksheet, Admission Letter, etc.

🔹 Step 3: Visit the DRCC Center for Verification

• Visit your nearest District Registration and Counselling Centre (DRCC) with original documents for verification.

🔹 Step 4: Loan Approval & Disbursement

• Once verified, the loan amount is directly disbursed to the college/university.

Loan Repayment & Interest Rates

• The loan is interest-free if students repay within the specified period.
• The repayment starts after completing the course.
• Flexible EMI options are available.

Benefits of the Bihar Student Credit Card Scheme

✔ No Financial Burden on Parents
✔ Covers Tuition, Hostel, & Books
✔ Interest-Free for Eligible Students
✔ Easy Repayment Options
✔ Covers Various Professional & Vocational Courses

Conclusion

The MNSSBY Bihar Student Credit Card Scheme is a great opportunity for students to pursue higher education without worrying about finances. With loans up to ₹4 lakh, a wide range of approved colleges, and easy repayment options, this scheme ensures that students from Bihar can achieve their academic dreams.

If you’re eligible, apply today and secure your future!

👉 For more details, visit the official website: collegekampus.com/bihar-credit-card-drcc-scheme-colleges-name/