If you’re a student in Bihar dreaming of higher education, but worried about how to pay for college, the Bihar Student Credit Card Yojana (BSCCY) might be just what you need. This scheme helps eligible Bihar students access interest-subsidized education loans, making it easier to pursue university degree, professional courses, or diplomas — without burdening your family financially.
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What Is the Bihar Student Credit Card Yojana?
The Bihar Student Credit Card Yojana was launched as part of the Bihar government’s initiative to make higher education accessible to students who face financial constraints. Over the years, it has become a key tool in promoting education in the state.
Provide education loans to students for higher studies.
Support students who might otherwise drop out due to financial reasons.
Enable students to afford not just tuition, but also related costs like books or laptops.
Key Features of the Scheme
Maximum Loan Amount: Up to ₹4 lakh per student.
Interest Rate & Subsidy:
For most students, typically 4% per annum (but this has seen updates — see “Recent Updates”).
In some sources, for women, transgenders, and differently-abled students, interest can be 0% / 1%.
No Guarantor Required: The state government acts as guarantor, so students don’t have to provide a third-person guarantee.
Additional Support:
Up to ₹10,000/year for reading materials / textbooks.
For technical courses, provisions exist for laptop assistance (some sources mention up to ₹35,000)
Bihar Student Credit Card DRCC Helpline No.
S.No | District | DRCC Manager | Helpline Number | DRCC Address |
1 | Araria | Ravi Shankar Prasad | 9934070190 | Campus of Sadar Prakhand Karyalaya, Post Araria, 854311 |
2 | Arwal | Garima | 7739639697 | Pipra Bangla, Arwal, Post Shahpur, 804401 |
3 | Aurangabad | Sunita Singh | 8002655944 | Next to Town Inter School, Shahpur, Old G.T. Road, 824101 |
4 | Banka | Vinay Shankar | 7261054576 | Banka Samarhalaya Parisar, Dabutola, Banka, 813102 |
5 | Begusarai | Sunira Kumari | 9934316678 | Sadar Prakhand Parisar, Begusarai, 851218 |
6 | Bhagalpur | Ashok Kumar Singh | 7007804193 | Government Polytechnic College, In front of Kanchangarh, 812001 |
7 | Bhojpur | Indu Chakrawarty | 8877709408 | Dhanpura, Opposite DAV School Ara, 802301 |
8 | Darbhanga | Tauseff Imam Hashmi | 9905926159 | Kadirabad Bus Stand (Next to Govt Polytechnic), Post Lalbagh, 846004 |
9 | Gaya | Rajeev Ranjan | 8986421164 | State Polytechnic, Gaya Bodhgaya Road, Kendui, 824231 |
10 | Gopalganj | Bhaskar | 9472983382 | Basdila, Near Panchayat Bhawan, 841428 |
11 | Jamui | Binay Shankar | 7261054576 | Dhadhaur, Sikandara, Post Itasagar |
12 | Jehanabad | Kavita Kumari | 9934679183 | Kako Road, Near Jehanabad Bus Stand, PIN: 804408 |
13 | Kaimur | Md. Akhatar Ali | 8002591927 | Gram Dumdum, Prakhand Bhabhua, PIN: 821101 |
14 | Katihar | Amarjeet Kumar Vishwasi | 8864020100 | Sadar Prakhand Karyalaya, Mirchabadai, Katihar, PIN: 854109 |
15 | Khagaria | Shyam Sundar Kumar | 7903092321 | Jila Krishi Karyalaya Campus, Post Khagaria, PIN: 851204 |
16 | Kishanganj | Kumar Nitin | 7979847962 | Block Campus (Prakhand Parisar), Kishanganj, PIN: 855108 |
17 | Lakhisarai | Sanjay Kumar | 8210903244 | Near Mahisona Panchayat Bhawan, Lakhisarai, PIN: 811315 |
18 | Madhepura | Shailesh Kumar Pandey | 9955424051 | Behind Sadar Anchal Karyalaya, Madhepura, PIN: 852113 |
19 | Madhubani | Akhilesh Kumar Bharti | 8407870135 | Mitholi, Post Madhubani, PIN: 847211 |
20 | Munger | Sunira Prasad | 9113305561 | Sujawalpur, Sadar Prakhand Parisar, Munger, PIN: 811201 |
21 | Muzaffarpur | Manoj Kumar Pradhan | 0621-2212420 | Behind Nehru Stadium, Sikandarpur, PIN: 842001 |
22 | Nalanda | Kalpana Kumari Prasad | 7762892556 | Sipah More, Aadarsh Thana, Deep Nagar, Biharsharif, PIN: 803101 |
23 | Nawada | Sumedha Rani | 9308661190 | Near Budhaul Bus Stand, Budhaul, Post Nawada, PIN: 805110 |
24 | Pashchim Champaran | Prem Prakesh Dewakar | 9709449771 | Areraj Road, Bettiah, ITI Training Center, Near Jaiprakash Nagar, PIN: 845438 |
25 | Patna | Sneha Kumari | 9939502331 | Chajjubag, In Front of Bihar State Cooperative Federation, 800001 |
26 | Purnia | Kalpana Kumari Prasad | 06454241505 | Fire Brigade Centre, Near Maranga, Post Purnia, 854301 |
27 | Rohtas | Shailesh Kumar | 9939391461 | Mokar, Sasaram on Ara-Patna road, 821113 |
28 | Saharsa | Sanjay Kumar Suman | 8210401337 | Next to Rajkiya Kanya Vidyalaya, 852201 |
29 | Samastipur | Naveen Kumar Singh | 9334907571 | 3 km from District Magistrate Office, Sadar Prakhand, Near Samastipur Rosada Road, 848101 |
30 | Saran | Kaushik Kumar Sinha | 7544011554 | Ratanpura, Bidtolia Road, Chapra, 841301 |
31 | Sheikhpura | Leena Kumari | 9939273911 | South of Navodaya Vidyalaya, Shekhpura, 811105 |
32 | Sheohar | Akhilesh Kumar Bharti | 9771037552 | Block Campus, Sheohar, 843329 |
33 | Sitamarhi | Kumari Poonam Pal | 9102386001 | ITI Campus, Shanti Nagar, Sitamarhi, 843301 |
34 | Siwan | Md. Akhatar Ali | 9835648542 | Mahadeva J.B.R. Vidyalaya, Siwan, 841226 |
35 | Supaul | Prem Prakesh Dewakar | 9709449771 | ITI Campus, Supaul, 847452 |
36 | Vaishali | Md. Sabir Hussain | 9431403064 | Harvanshpur, Konhara Ghat, Gandhi Setu Main Road, 844101 |
Bihar Student Credit Card Eligibility Criteria:
To be eligible for the BSCCY, students must satisfy certain conditions. Here are the key criteria:
Residency Requirement: Must be a permanent resident of Bihar.
Educational Qualification: At least 12th class pass (or equivalent, depending on course).
Age Limit: Generally, students should be below 25 years when applying.
Course / Institution Recognition: The course should be from a government-recognized or approved institution.
Income Criteria: While not always strictly stated, in many cases family financial background is considered; some sources mention income proofs.
Courses Covered Under Bihar Student Credit Card Yojana
The BSCCY is quite broad in terms of educational programs covered. Here’s a breakdown:
General Courses: BA, BSc, BCom, etc.
Professional / Technical Courses: Engineering (B.Tech), Medical (MBBS), Management (BBA/MBA), Law, Nursing, Pharmacy, etc.
Diploma / Polytechnic: Technical diplomas, polytechnic courses are also eligible.
Note: Click Here to check Full course list under Bihat Student Credit ard Yojana.
Required Documents for Bihar Student Credit Card Yojana
When applying, you’ll need to submit several documents. Here’s a typical list:
Identity Proof: Aadhaar Card, PAN Card, or other recognized ID.
Educational Certificates: 10th and 12th standard marksheets / certificates.
Admission Proof: Confirmation of admission / enrollment into the course / institution.
Income Certificate: Parents’ or guardian’s income proof / Form 16 / tax returns.
Bank Statements: Usually last 6 months for co-applicant or parents.
Residence Proof: Voter ID, driving license, or other address proof.
Photographs: Passport size photos of the student, parents or guarantor.
How to Apply Online Bihar Student Credit Card
Here’s a step-by-step guide to applying for the Bihar Student Credit Card:
Visit the 7Nishchay Portal: Go to the official portal of the scheme.
Register as a New Applicant: Provide your mobile number / email / Aadhaar, authenticate via OTP, and create your login.
Login & Fill Personal Info: Once registered, log into the portal, fill out your personal details (address, family income, etc.).
Scheme Selection: From the dropdown or scheme list, choose BSCC (Bihar Student Credit Card).
Fill Scheme Application: Enter course details, institution name, fee structure, admission proof, etc.
Upload Documents: Upload scanned copies of all required proofs (education, income, photos, etc.).
Submit & Acknowledge: After filling and uploading, submit your application. You’ll usually receive an acknowledgement number.
Verification & Sanctioning Process
Once you submit, your District Registration & Counseling Center (DRCC) will be involved.
You’ll need to visit DRCC with original documents for verification.
After verification, the bank associated with the scheme will review your application and decide whether to sanction the loan.
Institutional verification is also done (to make sure your college or university is recognized / eligible)
Disbursement of Loan
Once sanctioned, the money is typically disbursed to the institution, not directly to the student, especially for tuition fees.
For other expenses like hostel, books or a laptop, the disbursement mechanism may vary, depending on how the scheme works with colleges.
Since the scheme supports multiple costs, students can use the loan amount for approved needs like reading material or living costs.
Repayment Terms
Repayment Start: Usually begins one year after course completion.
Repayment Period: The repayment tenure can be 5–7 years in many cases.
Interest Subsidy or Waiver:
Originally, students paid interest (e.g. 4%) but recent announcements have made the loans interest-free.
This change hugely eases the financial burden on students.
Recent Updates (2024 / 2025)
Interest-Free Loans: In a recent announcement, the Bihar government said that all student credit card loans will now be completely interest-free.
Extended Repayment Period: The repayment duration has also been extended to give students more breathing room.
Expansion Target for 2025: The government aims to reach over 95,000 students under BSCCY in the 2025–26 academic year.
The Bihar Student Credit Card Yojana (BSCCY) is a powerful initiative by the Bihar government to democratize higher education. By providing up to ₹4 lakh in loans, easing or removing interest, and simplifying the application process, it empowers students who might have been held back by financial constraints. If you meet the eligibility criteria—being a resident of Bihar, having passed 12th grade, and securing admission in a recognized institution—this scheme could be your gateway to achieving your educational dreams. With careful preparation, proper documentation, and timely application, you can take full advantage of this opportunity and step confidently into your next academic journey.
Frequently Asked Questions (FAQs)
No — a permanent Bihar residency is generally required.
No, the government itself acts as the guarantor under this scheme.
If a student drops out, the remaining loan amount may not be disbursed further.
Repayment usually begins one year after completion of your course.
Yes, recent announcements say that the Bihar government has made SCC loans interest-free.
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