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

The Bihar Student Credit Card (BSCC) Scheme is a government-backed financial aid program designed to provide education loans to students from Bihar. The goal is to increase the Gross Enrollment Ratio (GER) in higher education and ensure that every student gets an opportunity to study further.

Key Features of the BSCC Scheme:

✅ Loan Amount – Up to ₹4 lakh for higher studies
✅ Interest Rate – Very low or zero interest for eligible students
✅ Courses Covered – Engineering, Medical, Management, Law, Science, Arts, Commerce, and more
✅ Colleges Covered – AICTE, UGC, MCI, PCI, BCI-approved institutions in India
✅ Repayment Flexibility – Loan repayment starts after course completion

Objectives of the Bihar Student Credit Card Scheme

• To provide financial assistance to students who lack funds for higher education
• To increase the number of students in professional and technical courses
• To reduce dropout rates after the 12th standard
• To promote higher education among underprivileged students
• To improve employment opportunities by encouraging students to pursue career-oriented courses

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 applicant must be under 25 years old at the time of application.

✅ Educational Qualification

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

✅ Course Eligibility

• The loan is available for General, Technical, and Professional courses approved by AICTE, UGC, MCI, BCI, etc.

✅ Residence Requirement

• The applicant must be a permanent resident of Bihar.

✅ College/University Approval

• The institution must be approved by UGC, AICTE, MCI, PCI, BCI, or any other recognized body.

List of Courses Covered Under BSCC Scheme

Students can avail of the loan for pursuing the following courses:

🎓 Undergraduate Courses (UG)

• B.Tech (Engineering – Civil, Mechanical, Electrical, etc.)
• BBA (Bachelor of Business Administration)
• BCA (Bachelor of Computer Applications)
• B.Sc (Bachelor of Science – 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 Courses (PG)

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

🎓 Diploma & Other Courses

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

How to Apply for the Bihar Student Credit Card (BSCC) Scheme?

Applying for the BSCC scheme is easy and can be done both online and offline.

🔹 Step 1: Online Registration

• Visit the official website: https://www.7nishchay-yuvaupmission.bihar.gov.in
• 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 like Aadhar Card, Class 12 Marksheet, Admission Letter, etc.

🔹 Step 3: Document Verification at DRCC Center

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

🔹 Step 4: Loan Sanction & Disbursement

• Once verified, the loan will be approved and disbursed directly to the college/university.

Documents Required for BSCC Loan Application

Students need to submit the following documents while applying:

📌 Aadhar Card & PAN Card
📌 Class 10 & 12 Marksheet
📌 Admission Letter from College/University
📌 Fee Structure of the Course
📌 Residential Proof (Bihar Domicile Certificate)
📌 Family Income Certificate
📌 Bank Account Details
📌 Passport-Sized Photographs

List of Colleges Under Bihar Student Credit Card Scheme

The scheme covers AICTE, UGC, and other government-approved colleges across India. Some of the major colleges accepting BSCC include:

✅ Aryabhatta Knowledge University (Patna)
✅ Patna University
✅ Magadh University (Bodh Gaya)
✅ Chandigarh University (Punjab)
✅ LPU (Lovely Professional University, Punjab)
✅ Amity University (Noida, Bihar, Jharkhand campuses)
✅ Manipal University
✅ MIT Pune
✅ SRM University (Chennai, Delhi NCR)
✅ Sharda University (Greater Noida)

Students can check the official list of approved colleges on the BSCC portal before applying.

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 for students who need additional time for repayment.

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