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 2024-25 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

Low 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?

  • Permanent resident of Bihar
  • Passed Class 12 or equivalent examination
  • Age between 16 to 40 years
  • Admission in recognized educational institution in India
  • Annual family income less than ₹5 Lakh (for interest subsidy)
  • No default in any previous educational loan
  • Valid Aadhaar card and bank account

Application Process

1
Registration

Visit the official BSCC portal and register with your mobile number and email ID

2
Fill Application Form

Complete the online application form with personal, educational and course details

3
Upload Documents

Upload required documents including photo, signature, educational certificates and income proof

4
Submit Application

Review and submit your application. Note down the application number for future reference

5
Verification & Approval

Application verification by district committee and final approval from bank

6
Disbursement

Loan amount disbursed directly to the educational institution as per fee structure

Documents Required

Mandatory Documents
  • Aadhaar Card
  • Recent Passport Size Photo
  • Signature
  • Class 10 & 12 Mark Sheets
  • Admission Proof
Additional Documents
  • Income Certificate
  • Domicile Certificate
  • Fee Structure
  • Bank Account Details
  • Mobile Number (Linked with Aadhaar)

Frequently Asked Questions

The maximum loan amount under Bihar Student Credit Card Scheme is ₹4 Lakh. This covers tuition fees, hostel charges, books, equipment and other related educational expenses.

No, the BSCC scheme does not require any collateral security or third-party guarantor. The loan is provided based on the student's merit and future earning potential.

The interest rate is subsidized by the government. Students get a moratorium period during their course duration and can repay the loan within 15 years after course completion.

All regular courses after Class 12 including engineering, medical, management, law, paramedical, nursing, pharmacy, ITI, polytechnic, graduation, post-graduation and other professional courses are eligible.

Typically, the application is processed within 30-45 days after submission of complete documents. The timeline may vary depending on verification process and bank procedures.

Ready to Apply for BSCC Loan?

Get expert guidance and assistance with your BSCC application process

Need help? Call our BSCC Helpline: +91 98765 43210