Bihar Student Credit Card Scheme (BSCCS)
Education loan of up to ₹4 lakh for Bihar students after Class 12, with no collateral.
Apply Directly on the Official Portal
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Scheme Overview
The Bihar Student Credit Card Scheme is part of the state's Saat Nishchay programme and gives students an education loan of up to ₹4 lakh for higher studies after Class 12. The loan is given by the Bihar State Education Finance Corporation without collateral and covers tuition, hostel, books and living costs. In 2025 the state government made the loan interest-free for all students and allowed longer repayment, and the scheme has been extended for five more years.
Target Beneficiaries
Bihar students who have passed Class 12 and are pursuing higher education
Assistance / Benefit Type
Collateral-Free Education Loan
Key Benefits & Financial Assistance
- Education loan of up to ₹4 lakh for graduation, professional, technical and postgraduate courses.
- No collateral or guarantee property needed; a parent or guardian is the co-applicant.
- Interest-free for all students under the 2025 decision (earlier 4%, and 1% for girls, transgender and divyang students).
- Repayment starts only after the course ends, in easy monthly instalments over several years.
- Covers course fees, hostel and mess fees, books, laptop and living expenses.
Eligibility Criteria
Ensure you satisfy all the following government conditions before applying:
- 1Permanent resident of Bihar, or the child of a person working in Bihar, who has passed Class 12 from a recognised board in Bihar or a neighbouring state.
- 2Age up to 25 years at the time of applying (up to 30 for postgraduate courses).
- 3Admission in a recognised college or university for a course on the approved list.
- 4Parent or guardian must join the application as co-borrower.
Documents Required Checklist
Keep clear digital scanned copies (PDF or JPG under 200 KB) ready:
How to Apply (Official Process)
Register on the MNSSY Portal
Go to 7nishchay-yuvaupmission.bihar.gov.in, register with your mobile number and email, and select Bihar Student Credit Card.
Fill the Application Form
Enter your academic, course, institution and co-applicant details, and upload the required documents.
Visit the DRCC
On the date given, visit your District Registration and Counselling Centre (DRCC) with original documents and your co-applicant for verification.
Loan Sanction
After verification, BSEFC sanctions the loan and you receive a sanction letter.
Disbursement to College and Student
Course fees are paid to the institution and living costs to your bank account, semester-wise or year-wise.
Frequently Asked Questions about Student Credit Card
Is the Bihar student credit card loan really interest-free now?
In 2025 the Bihar government announced that the loan would be interest-free for all students. Confirm the exact repayment terms in your sanction letter or with the helpline, since older loans may have different terms.
Can I study outside Bihar with this loan?
Yes, as long as the institution and course are on the approved list. Many students use it for courses in other states.
When do I have to start repaying?
Repayment starts after you finish the course (usually after a short moratorium), in monthly instalments.
Scheme Factsheet
State Government Scheme
Bihar
Students & Education
₹4.0 Lakh
Applications are accepted throughout the year on the MNSSY portal. The scheme has been extended for five more years by the Bihar cabinet.
Verified Government Sources
1800-3456-444 (toll-free)
support-bsefc@bihar.gov.in
Never pay money to agents promising guaranteed approval for Student Credit Card. Government welfare registrations are strictly handled through official channels.
Related Welfare Schemes
Other government initiatives you might be eligible for:
National Scholarship Portal (NSP - Post-Matric & Merit-cum-Means)
One-stop national portal for Central and State government pre-matric and higher education scholarships.
Talliki Vandanam (Andhra Pradesh)
₹15,000 a year for every school-going child, paid to the mother in Andhra Pradesh.
Post-Matric Scholarship for Scheduled Caste Students (PMS-SC)
Full fee reimbursement and a yearly allowance for SC students studying after Class 10.