In today’s competitive world, education is the foundation of success. However, due to financial constraints, talented students often cannot pursue higher education. To address this challenge, the Bihar government has launched the Bihar Student Credit Card Scheme. This is a transformative initiative that also includes the Mukhyamantri Nishchay Swayam Sahayata Bhatta Yojana (MNSSBY).
This special program aims to empower the youth of Bihar by providing them easy access to educational loans of up to 4 lakh rupees at minimal interest rates, ensuring that no deserving student is deprived of educational opportunities due to a lack of funds. This scheme reflects Chief Minister Nitish Kumar’s vision of creating a skilled, educated, and self-reliant Bihar.
BSCC Overview
| Points | Description |
| Scheme Name | BSCC Yojana |
| Started | 2 October 2016 |
| Beneficiaries | Students of Bihar State |
| Maximum Loan | Up to ₹4 Lakh |
| Interest Rate | 1% – 4% |
| Application Process | Online |
| Official Website | www.7nishchay-yuvaupmission.bihar.gov.in |
Objective of the Bihar Student Credit Card Scheme
The primary objective of BSCC is to ensure that no student’s education is interrupted solely due to a lack of funds.
The main objectives are:
- Encourage the youth of Bihar to pursue higher education.
- Raise the level of education in the state and reduce unemployment.
- Assist students from economically disadvantaged families.
- Prevent students from the state from migrating to other states.
- To build a self-reliant Bihar through education.
Key Benefits and Features of Bihar Student Credit Card Yojana
The Bihar Student Credit Card Scheme offers a range of benefits designed to make higher education accessible and affordable:
- Loan amount up to ₹4 lakh for higher education.
- Financial support is available for technical, professional, and general courses.
- Funds can be used for tuition fees, books, laptops, and other educational expenses.
- Repayment begins only after course completion and employment.
- Special low-interest rates (as low as 1%) for divyang, transgender, and girl students.
- Flexible recovery options, and in some cases, a loan waiver for deserving beneficiaries.
This scheme ensures that students can focus on education without the stress of financial burden.
Eligibility Criteria for Bihar Student Credit Card Scheme
To avail of the BSCC Scheme, applicants must meet the following eligibility requirements:
- The applicant must be a permanent resident of Bihar.
- Age should not exceed 25 years at the time of application.
- Technical, professional or general graduate/postgraduate course.
- Must have passed Class 12th or an equivalent examination.
- The course must be recognised by a government-approved institution.
- The entire course must be completed before starting repayment.
Documents Required for BSCC Application
Before applying, make sure you have the following essential documents ready:
- Duly filled Common Application Form
- PAN card of the applicant and the co-applicant
- Scholarship award letters (if applicable)
- Approved course structure and fee schedule
- Income certificate or Form 16 from the previous year
- Last six months’ bank statement
- Aadhaar card of the applicant and the co-applicant
- 10th & 12th mark sheets
- Proof of admission (college ID or offer letter)
- Two passport-size photographs of the student and the parents/guarantor
- Income tax returns for the last two years
- Address proof
Bihar Student Credit Card Course List & Colleges
The BSCC Yojana covers a wide range of academic and professional programs, including:
- Engineering
- Medical
- Management
- Law
- Polytechnic
- General and vocational studies
Students enrolled in approved colleges and universities under the BSCC scheme Yojana framework are eligible for financial assistance. Qualified candidates can avail education loans up to ₹4 lakh at 0% interest rate, applicable for diploma and degree courses. Repayment starts only after completing the course and securing employment.
Loan Terms and Conditions Of The BSCC Scheme
| Category | Interest Rate | Payment Start Time |
| General Students | 4% p.a. | 1 year after completion of studies |
| Women, Disabled, Transgender | 1% p.a. | 1 year after completion of studies |
- Loan amount up to ₹4 lakh.
- There are no processing charges or guarantees.
- Students can repay the amount in monthly instalments as per their convenience.
Bihar Student Credit Card Apply Online
Follow the steps below to apply for the BSCC through the official portal:
- Visit the official website – MNSSBY Official Website.
- Click on ‘New Applicant Registration’.
- Enter your personal details – full name, Aadhaar number, email ID, and mobile number.
- Click ‘Send OTP’ to verify your credentials.
- Enter the OTP received via SMS and email, then click ‘Submit’.
BSCC Login Process
Once registered successfully, you’ll receive login credentials to your registered email and mobile number.
- Go to the website and log in using your details.
- Change your password as prompted.
- Fill in your personal, educational, and co-applicant details.
- Choose ‘Bihar Student Credit Card’ from the list of available schemes.
- Upload the necessary documents and apply.
- You will receive an acknowledgement via email – keep it safe for future reference.
FAQ’s For BSCC Login
What Is Co-Applicant In BSCC?
A co-applicant in a BSCC is a person who shares loan responsibility with the student, usually the student’s parent or guardian
Bihar Student Credit Card Status Kaise Check Kare?
To check your BSCC status, log in to 7nishchay-yuvaupmission.bihar.gov.in, select the “Application Status” section, and enter your application number to view the status.