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Bihar Student Credit Card

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Bihar Student Credit Card Scheme

The Government of Bihar has launched an innovative initiative aimed at increasing the Gross Enrolment Ratio (GER) for higher education across the state. The Bihar Student Credit Card Scheme empowers students by providing them with financial assistance to pursue graduate-level or equivalent courses. Spearheaded by the Hon’ble Chief Minister, Shri Nitish Kumar, this scheme is a major step towards ensuring that every student in Bihar has access to quality education, regardless of their economic background.


Let’s take a closer look at the scheme and understand how students can benefit from it.

Background and Objective

According to official data, Bihar’s Gross Enrolment Ratio (GER) in higher education stands at just 14.3%, significantly lower than the national average of 24%. To bridge this gap and motivate Class 12 graduates to pursue higher studies, the state government introduced this scheme. Under the Bihar Student Credit Card Scheme, eligible students are provided with a credit card facility to cover tuition fees, study materials, accommodation, and other necessary expenses related to their education.

Feature Details
Name of Scheme Bihar Student Credit Card Yojna
Launched By Government of Bihar (Under the Mukhyamantri Nishchay Yojna)
Objective To improve the Gross Enrolment Ratio (GER) by providing education loans to students pursuing higher education.
Beneficiaries Students who have passed Class 12 and wish to pursue higher education (graduation or equivalent) in India
Loan Amount Up to ₹4,00,000 (Four Lakh Rupees)
Interest Rate 0% for girls, transgender students, and persons with disabilities; nominal interest for others
Repayment Loan repayment starts after completion of the course or after securing employment
Courses Covered Technical, non-technical, management, medical, and vocational courses recognized by UGC/AICTE
Where to Apply www.7nishchay-yuvaupmission.bihar.gov.in

What Are The Benefits Of The BSCCS?

  • Provides up to ₹4 lakh in education loans without collateral.
  • 0% interest rate for girls, transgender students, and differently-abled individuals.
  • Covers tuition fees, books, laptops, uniforms, and other educational expenses.
  • Repayment begins only after course completion or employment.
  • Applicable for a wide range of professional, technical, and general courses.
  • Empowers students from economically weaker backgrounds to pursue higher education.

How To Apply For Bihar Student Credit Card?

  1. Visit the official website: 7nishchay-yuvaupmission.bihar.gov.in
  2. Click on “New Applicant Registration”.
  3. Fill out the required personal, academic, and contact details.
  4. Upload scanned documents such as Aadhaar card, 10th & 12th mark sheets, admission proof, etc.
  5. Submit the form and download the acknowledgment receipt.
  6. Wait for verification and approval by the district registration and counseling center (DRCC).
  7. Once approved, the credit card loan is sanctioned and funds are disbursed.

Credit Score Information

Unlike traditional bank loans, the Bihar Student Credit Card Scheme does not require a good credit score, guarantor, or collateral. It is designed to support students from all financial backgrounds, including those with no credit history.

  • No need for a CIBIL score or any credit report.
  • Loan is approved based on academic eligibility and verification by the government.
  • Parental income or employment is not a deciding factor.
  • The scheme ensures inclusivity for underprivileged and first-time students.

List of Eligible Courses Under BSCCS

Course Category Examples
Engineering B.Tech (Mechanical, Civil, Computer Science, Electrical, etc.)
Medical & Health Sciences MBBS, BDS, BAMS, BHMS, BPT, Nursing, Pharmacy
Management BBA, MBA, Hotel Management
Commerce & Finance B.Com, M.Com, CA, CS
Science B.Sc, M.Sc, Biotechnology, Microbiology
Arts & Humanities B.A, M.A, History, Sociology, Psychology
Computer & IT BCA, MCA, Animation, Web Design, Data Science
Law LLB, Integrated Law Courses
Vocational Courses Polytechnic, ITI, Diploma in Engineering
Professional Courses Abroad (Conditions Apply) UG/PG courses approved by Govt. of Bihar

Note: Only courses from institutions recognized by the Government of Bihar or affiliated with approved universities are eligible.