Bihar Student Credit Card Details for : Eligibility, Application Process, Contact Details,Registration Process


The Bihar government is making attention for its “Bihar Student Credit Card ” scheme clever plan to encourage more students to enrol in graduate-level or equivalent courses around the state. In order to accomplish this, the Nitish Kumar-led administration has developed a new plan Mukhyamantri Nishchay Swayam Sahayata Bhatta Yojana (MNSSBY) scheme that will help students in receiving the crucial education.

Student Credit Card Scheme?

Bihar Student Credit Card Scheme is a financial assistance initiative introduced by the Government of Bihar to provide college students with access to credit cards. Under this scheme, eligible students can obtain credit cards with a limit of up to INR 4 lakh, at a low-interest rate.

The objective of the scheme is to help students manage their finances independently and make expenses related to education, such as tuition fees and textbooks, more manageable. Students must be enrolled in a recognized university or college and have a good academic record to be eligible for the scheme. To apply, students must visit a designated bank branch and submit the required documents.

The Bihar Student Credit Card Scheme has been implemented with the aim of providing financial assistance to the 12th class passed students who are deprived of higher education due to economic reasons under Bihar's seven determinations developed under the state government's good governance program 2015-20. It has been decided to do this, so that students can get convenience in getting higher education. Under this scheme, the objective is to provide education loan to every willing student who has passed class 12 by linking with banks.

Benefits of the Student Credit Card Scheme

(i) For students who have completed their intermediate or 12th-grade education from Bihar Government-run educational institutions.

(ii) Provision of loans up to Rs 4 Lakh, which can be utilised for pursuing technical, polytechnic, or general courses. The loan amount can also be used to purchase study materials such as books, stationery, and laptops and pay fees.

(iii) Low-interest rate of 4% applicable to the loan. However, for females, transgender individuals, and people with disabilities, the interest rate is even lower at 1%.

(iv) Repayment flexibility, as students must repay the borrowed amount after completing their course and securing employment. For example, if you opt for a three-year BSC course, you are not obligated to repay the loan during the duration of the course.

These features collectively make the Bihar credit card Scheme an attractive and inclusive opportunity for students to pursue higher education without excessive financial burden.

Bihar Student Credit Card Yojana: The Bihar B.Tech Student Credit Card Yojana aims at providing financial support to college students who are just starting with their careers in engineering. Provides the banking facility with reasonable and affordable terms and conditions.

Students who have cleared their class 12th and fall under the Government of Bihar, and are unable to get admission in higher education because of financial constraints. The government of Bihar launched the Bihar Student Credit Card Scheme in Bihar only.

The BSCCS Scheme provides financial assistance to financially weak students for their higher education.

What is Bihar Student Credit Card Scheme (BSCCS)?

It was introduced on 2nd October 2016. The Bihar government is taking initiative for bridging the gap between the gross enrollment ratio in Bihar and with the other parts of India. They want to ensure that students will not stop studying because of a lack of finances.

If you are a student in Bihar and financially weak then you can fund your higher education with the help of the Bihar Student Credit Card Yojana online.

This yojana will help in boosting the gross enrollment ratio by 30% in Bihar. Eligible students will get the loan up to 4 lakhs at a nominal interest rate. Students can finance their higher education courses like BSc, B.Com, B.Tech, MA, M.Com, MBBS, M.Tech, MCA, BCA, etc.


  • B.A./ B.Sc./ B. Com. (All subject)
  • B.Tech/B.E.
  • B.C.A.
  • M.C.A.
  • M.B.B.S.
  • B.Sc. (Agriculture)
  • B.Sc. (Library Science)
  • B.Sc. in Fashion
  • Aalim
  • B.Sc. (Nursing)
  • Polytechnic
  • Bachelor of Unani Medicine & Surgery (B.U.M.S)
  • M.A./M.Sc./M.Com (All subject)
  • Bachelor of Homeopathic Medicine & Surgery (B.H.M.S.)
  • Bachelor of Dental Surgery (B.D.S.)
  • General Nursing Midwifery (G.N.M)
  • Bachelor of Physiotherapy
  • Bachelor of Occupational Therapy
  • B.Sc. (Information Technology/Computer Application/Computer Science)
  • Diploma in Food, Nutrition/ Dietetics
  • Bachelor of Mass (Communication/Mass, Media/Journalism)
  • Technology/Designing/Apparel Designing/Footwear Designing
  • Bachelor of hotel management & catering technology (B.H.M.C.T.)
  • Bachelor of Architecture
  • Bachelor of Physical Education (B. P. Ed.)
  • Hotel Management and Catering Technology
  • M.Sc/M.Tech Integrated course
  • Hospital and Hotel Management
  • Diploma in Food Processing/ Food Production
  • Diploma in Hotel Management (Three Year) (I.H.M. Course)
  • Diploma in Food & Beverage Services
  • Bachelor in Yoga (Entry Level+2Pass)
  • B.A./B.Sc.-B.Ed. (Integrated Courses)
  • B.Tech/B.E./B.Sc.(Engineering-all branches)
  • Bachelor of Business Administration (B.B.A.)
  • Master of Business Administration (M.B.A.)
  • Bachelor of Fine Arts (B.F.A.)
  • Bachelor of Pharmacy
  • BL/LLB (5 Year Integrated Course)
  • Bachelor of Veterinary
  • Medicine and Surgery (B.V.M.S.)
  • Degree/Diploma in Aeronautical Pilot Training, Shipping
  • Bachelor of Ayurveda, Medicine, and Surgery (B.A.M.S)

It is not like other conventional credit cards which you get from financial institutions. Because the main purpose of the BSCC is to finance the higher education of financially weak students and hence not to give the benefits that other credit cards offer.

Bihar B.Tech Student Credit Card Yojana: Highlights

  • The BSCCS allows students to get financial assistance to pay for college education fees. 
  • Students who have passed class 12th can get a loan of up to INR 4,00,000 lakhs. 
  • The interest of the loan is nominal and affordable. 
  • You can get financial assistance for a range of higher education programs. 

Eligibility Criteria of Bihar Student Credit Card for B.Tech Students

These are the eligibility criteria that have to be satisfied by the students who are applying for the Bihar B.Tech Student Credit Card Yojana:

  • The student must be an Indian.
  • The student should be a resident of Bihar.
  • Students have to complete their class 12th. 
  • The age limit for the BSCC Yojana is 25 years. 
  • Seek higher education from any authorized institute and complete the entire higher education course.

In addition, students have to prove their eligibility with the documents like 10th and 12th class mark sheet, id proof, address proof, pan card, aadhaar card, proof of admission in the authorized institute for higher education, bank statement, income certificate along with form 16. If any student does not fall under these eligibility criteria then he/she will not be able to apply for the BSCC Yojana.

Eligible Institute: education institutes have to be recognized by the concerned regulatory boards of the Bihar Government, central government, or state government.

Eligible Course: Financial Courses, General Courses (non-technical), and Technical Courses (BSc, B.Com, B.Tech, MA, M.Com, MBBS, M.Tech, MCA, BCA, etc).

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

To apply for a Bihar B.Tech Student Credit Card Scheme, students must be eligible. If students match the eligibility criteria of the scheme they can apply for it through online mode. If a student is a resident of Bihar and completed his/her class 12th and falls under the age of 25 years and looking to pursue higher education from a recognized university can proceed with the BSCC. 

The process of applying for it is divided into two steps. First, you have to do registration on the official website of the Bihar Government education department.

After your information is verified you can fill the application form for BSCC Yojana. Follow these steps to apply for it:

  • To apply visit the official website of the Bihar Government Education Department
  • Select the option of New Applicant Registration and fill it as a new applicant
  • Fill in all the required details and click on the Send OTP option
  • You will receive the OTP on your registered mobile number or email id after receiving you have to enter the OTP and click on the Submit button
  • After getting registered on the website, you have to go back to the Home Page of the website
  • Now log in with the help of your credentials received on the email or SMS
  • Set a new password and log in with your unique password
  • Fill in the details and click on the submit button to move further in the application process
  • Now select the option of Bihar Student Credit Card Yojana from the select scheme menu
  • Enter your personal details carefully in the application form and co-applicant (if any)
  • After filling in all the required details in the form click on the submit button
  • To make sure that you have applied for it, officials will send you an email that you got registered for this Yojana

Required Documents for Bihar Student Credit Card

We have provided the list of the required documents for the Bihar Student Credit Card Scheme that will prove the student’s eligibility for the yojana. The mandatory documents are mentioned below:

  • Mark sheet of the students  of 10th standard
  • Mark sheet of the students of 12th standard
  • Documents for proof of admission to a higher education institute
  • If the credit card is being applied with an applicant and co-applicants
  • Address proof documents
  • Identity proof of the students such as pan card or aadhaar card
  • Bank account statement documents need to be submitted
  • Family income certificate with form 16.

How To Use Bihar Student Credit Card?

How a student can use the Bihar Student Credit Card in financing his/her higher education. All the uses of it are mentioned below:

  • Fees can be paid through this card to the college/ hostel/ school.
  • Fees can be paid for the examination/ laboratory/ library with the help of this card. 
  • The premium of the insurance for student borrowers can also be paid. 
  • It can be used in purchasing books/ uniforms/instruments/equipment.
  • It can also be used in purchasing a computer if it is required for the completion of the course. 
  • If there are any other expenses incurred in completing the course like tours,  project report, thesis, etc are payable with the help of it. 
  • Refundable deposit supported by Institution bills/receipts/Caution deposit, Building fund.

Benefits of Bihar Student Credit Card Yojana:

Here are some of how you get benefits from applying for it:

  • The student can get a loan of up to INR 4,00,000 lakhs for financing higher education.
  • The loan is available to those students who are pursuing technical courses, polytechnic courses, and general courses. 
  • The loan is available at 1% of the interest rate for transgender, girls, and divyang students. 
  • The finance amount can be used for buying books, paying fees, buying laptops, etc. 
  • The loan is owned by the Bihar Government and in extreme cases, the government waives off the outstanding balance. 
  • Repayment of it will start after the completion of the student's course and secured a job as well. 

BCA Student Credit Card Yojana in Bihar:

Bihar Government took an initiative for financing the higher education of financially weak students with the help of the student credit card. If students are seeking higher education in the field of Computer Science and facing financial problems they can apply for the Bihar BCA Student Credit Card.

Students can finance their Bachelor’s degree in the Computer Application stream with the help of the BSCC for the BCA Course.

Bihar MBA Student Credit Card Yojana:

The Bihar student credit card apply online for MBA is a government-backed educational loan yojana for those students who face financial constraints. Bihar MBA Student Credit Card allows the students in the state of Bihar to avail themselves of the education loan at a very low-interest rate and with ease.

Students can make their career in the field of business administration with the help of the Bihar Student Credit Card for MBA Course.

Bihar BBA Student Credit Card Yojana:

Bihar School Education Board has announced the new yojana for the students of Bihar, in which they can avail the government finance for financing their higher education. This yojana is named as Bihar Student Credit Card for the BBA Course.

As the name suggests, students who are looking for higher education in BBA can get this Bihar BBA student Credit Card and can pay the fees of an authorized college.

Bihar M.Tech Student Credit Card Yojana:

Bihar Government has recently launched a new yojana named as Bihar student credit card for M.Tech Course and the eligible students of student credit card Bihar. The yojana is to provide a dedicated loan credit card for the financially weak students who are pursuing their M.Tech degree in any recognized college or university.

The students can easily utilize the funds in their tuition fees, hostel, books, and many more.

Bihar MCA Student Credit Card Yojana:

Bihar MCA Student Credit Card Yojana will provide financial assistance to students who are from financially weak backgrounds and not able to pay college fees.

BSCC for MCA Course objective is to improve the quality of education in the computer application stream. This yojana is for an MCA degree and the eligible students of Bihar can apply for it.

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