Bihar Student Credit Card Yojana

Empowering Bihar's youth with financial support for higher education - up to ₹4 Lakh with no collateral required

Apply Now for 2026-27 Academic Session

Key Features of BSCC Scheme

Up to ₹4 Lakh Loan

Financial support covering tuition fees, accommodation, books and other educational expenses

No Collateral Required

Education loan without any security or guarantor requirement for students

No Interest Rate

Subsidized interest rates with government support for easy repayment

Flexible Repayment

Moratorium period during study and 15 years for complete repayment

All Courses Covered

Available for professional, technical, medical and general higher education courses

Easy Application

Simple online application process with minimal documentation required

Eligibility Criteria

Who Can Apply?

  • Applicant must be a permanent resident of Bihar
  • Student must have passed Class 12 (Intermediate) or equivalent examination
  • Age of the applicant should generally be between 18 to 25 years at the time of application
  • Must have secured admission in a recognized higher educational institution in India
  • Course should be approved under Bihar Student Credit Card Scheme
  • Applicant must apply through the official portal of the Bihar government
  • Valid Aadhaar card and bank account details required
  • Parent or guardian must act as co-applicant for the loan
  • Student should not be a defaulter in any previous government education loan

Application Process

1
Online Registration

Visit the official Bihar Student Credit Card portal and create an account using your mobile number and email ID.

2
Fill Application Form

Login to the portal and complete the online application form with personal details, educational qualifications, and course information.

3
Upload Required Documents

Upload necessary documents such as Aadhaar card, residence certificate, Class 10 & 12 certificates, admission proof, and passport-size photograph.

4
Submit Application

Carefully review all details and submit the application online. Save or note the application reference number for tracking.

5
DRCC Document Verification

Visit the District Registration and Counseling Center (DRCC) with original documents for verification and counseling.

6
Loan Approval & Disbursement

After verification, the loan is approved and the amount is disbursed directly to the educational institution according to the fee structure.

Documents Required

Mandatory Documents
  • Aadhaar Card of Student
  • Recent Passport Size Photograph
  • Applicant Signature
  • Class 10 Marksheet / Certificate
  • Class 12 Marksheet / Certificate
  • Admission Letter from College / Institution
  • Course Fee Structure from Institution
Additional Documents
  • Bihar Residence / Domicile Certificate
  • Income Certificate of Parent / Guardian
  • Bank Account Details of Student
  • Aadhaar Card of Parent / Guardian
  • Mobile Number Linked with Aadhaar
  • PAN Card of Parent / Guardian (if available)

Frequently Asked Questions

Under the Bihar Student Credit Card Scheme, students can get an education loan of up to ₹4 Lakh to pursue higher education after Class 12. The loan can cover tuition fees, hostel expenses, books, laptop, examination fees, and other educational costs.

No collateral security or third-party guarantor is required under the scheme. However, the parent or guardian of the student acts as a co-applicant during the loan process.

The interest rate is generally around 4% per year for male students and 1% for female, transgender, and specially-abled students. Students get a moratorium period during the course duration and repayment typically starts after completion of the course, with a repayment period of up to 15 years.

Students can apply for the loan to pursue recognized higher education courses after Class 12 such as engineering, medical, management, law, nursing, pharmacy, paramedical, ITI, polytechnic, graduation, post-graduation and other professional or technical courses in approved institutions in India.

After submitting the application online and completing document verification at the District Registration and Counseling Center (DRCC), the loan approval process usually takes around 30–45 days depending on verification and bank procedures.

Ready to Apply for BSCC Loan?

Get expert guidance and assistance with your BSCC application process

Apply Now Online

Need help? Call our BSCC Helpline: +91 8595357953