Bihar Student Credit Card Yojana at a Glance
1. Objectives of the Student Credit Card Scheme
1. Improve Education Access
Help eligible students continue higher education when financial constraints make it difficult.
2. Support Educational Costs
Facilitate financing for permitted academic and study-related expenses.
3. Encourage Professional Study
Support approved general, technical, professional, and vocational courses.
4. Build Human Resources
Contribute to developing skills and knowledge in Bihar.
3. Benefits of Student Credit Card Scheme
| Financial Provision | Details in the Supplied Scheme Information |
|---|---|
| Maximum loan amount | Up to ₹4 lakh |
| General interest rate | 4% per annum |
| Concessional interest rate | 1% per annum for eligible female, disabled and transgender students |
| Loan up to ₹2 lakh | Repayment in up to 60 instalments |
| Loan above ₹2 lakh | Repayment in up to 84 instalments |
| Early repayment rebate | An additional interest rebate of 0.25% is mentioned in the supplied information |
Permitted Educational Expenses
- ✓Course fees and other permitted academic charges.
- ✓Books and laptops.
- ✓Other approved study-related expenses.
- ✓Applicable accommodation and living expenses, subject to scheme provisions.
For students staying in an institution's hostel, the applicable amount may be provided to the institution. Students living outside the institutional hostel may receive eligible living expenses at prescribed rates, subject to the applicable guidelines.
Courses Covered Under the Bihar Student Credit Card Scheme
The course names below are transcribed and organised from the course list you provided. The original text includes some OCR/formatting errors and repeated or displaced serial numbers, so courses are grouped by subject area for easier reading. Please compare this list with the latest official BSCC course list before publishing or applying.
Arts, Commerce, Humanities and Education
- ✓B.A. (all subjects)
- ✓M.A. (all subjects)
- ✓Aalim
- ✓Shashtri
- ✓Bachelor of Mass Communication / Mass Media / Journalism
- ✓Bachelor of Fine Arts (B.F.A.)
- ✓B.A./B.Sc.-B.Ed. (Integrated Courses)
- ✓Bachelor of Physical Education (B.P.Ed.)
Science, Computer Applications and Library Science
- ✓B.Sc. (all subjects)
- ✓M.Sc. (all subjects)
- ✓B.Sc. (Information Technology / Computer Application / Computer Science)
- ✓B.C.A.
- ✓M.C.A.
- ✓B.Sc. (Library Science)
Engineering, Architecture and Polytechnic
- ✓B.Tech / B.E. / B.Sc. (Engineering — all branches)
- ✓B.Tech / B.E. for lateral-entry candidates holding a three-year diploma approved by the State Technical Education Council
- ✓Bachelor of Architecture
- ✓Polytechnic
- ✓Degree / Diploma in Aeronautical studies, Pilot Training and Shipping
- ✓M.Sc. / M.Tech. integrated course (where the qualifying admission requirement is 10+2 or equivalent, as indicated in the supplied text)
Medical, Nursing and Health Sciences
- ✓MBBS
- ✓B.Sc. (Nursing)
- ✓General Nursing Midwifery (G.N.M.)
- ✓Bachelor of Physiotherapy
- ✓Bachelor of Occupational Therapy
- ✓Bachelor of Unani Medicine and Surgery (B.U.M.S.)
- ✓Bachelor of Homeopathic Medicine and Surgery (B.H.M.S.)
- ✓Bachelor of Dental Surgery (B.D.S.)
- ✓Bachelor of Ayurveda, Medicine and Surgery (B.A.M.S.)
- ✓Bachelor of Veterinary Medicine and Surgery (B.V.M.S.)
- ✓Bachelor of Pharmacy
- ✓BL / LL.B. (5-year integrated course)
Agriculture, Food, Hospitality and Design
- ✓B.Sc. (Agriculture)
- ✓Diploma in Food, Nutrition / Dietetics
- ✓Diploma in Food Processing / Food Production
- ✓Diploma in Food and Beverage Services
- ✓Bachelor of Hotel Management and Catering Technology (B.H.M.C.T.)
- ✓Hotel Management and Catering Technology
- ✓Hospital and Hotel Management
- ✓Diploma in Hotel Management (three-year I.H.M. course)
- ✓B.Sc. in Fashion Technology / Designing / Apparel Designing / Footwear Designing
- ✓Bachelor in Yoga (entry level: 10+2 pass, as indicated in the supplied text)
Business and Management
- ✓B.Com. (all subjects)
- ✓M.Com. (all subjects)
- ✓Bachelor of Business Administration (B.B.A.)
- ✓Master of Business Administration (M.B.A.)
4. Eligibility Criteria: Who can apply for the Bihar Student Credit Card?
- You are a resident of Bihar.
- You have passed Class 12 (or equivalent) from a recognised institution in Bihar; for eligible polytechnic courses, check the specific Class 10 qualification rule.
- You are not older than 25 years on the application date, as stated in the official FAQ.
- You have secured admission or selection for admission to a recognised institution and an eligible course.
- You are not receiving another form of assistance that is prohibited under the scheme rules.
Residence
The applicant must be a resident of Bihar and satisfy the scheme's applicable residence requirements.
Educational Qualification
The official FAQ states that applicants must have passed Class 12 or an equivalent examination from a government-recognised institution located in Bihar. For polytechnic courses, the supplied information specifies Class 10 as the qualifying examination.
Age Limit
The official FAQ specifies a maximum age of 25 years on the date of application. Check the latest guidelines for any applicable exceptions or amendments.
Recognised Institution
The applicant must have secured admission or been selected for admission to an institution recognised by the relevant regulatory authority, subject to scheme conditions.
5. Documents Required for Bihar Student Credit Card Application
Prepare the documents applicable to your case and confirm the latest checklist before visiting the verification centre.
6. How to Apply Online: Step-by-Step Process
Follow the application sequence below and use the official portal for current instructions.
- 1Open the official portal. Visit the 7 Nishchay Yuva Upmission website.
- 2Register as a new applicant. Select New Applicant Registration and provide the requested details, such as name, mobile number and email address. Complete OTP verification as instructed.
- 3Log in. Use the credentials provided through the registration process.
- 4Complete the application form. Enter the required personal information and select the Bihar Student Credit Card or BSCC option.
- 5Submit the application. Complete the requested fields, submit the form and save the acknowledgement number/application PDF for future reference.
- 6Visit the DRCC for verification. According to the official FAQ, applicants can visit on a working day between 10:00 AM and 6:00 PM after successfully submitting the application.
- 7Complete document verification. Present the required documents and follow the instructions provided by the centre.
- 8Complete bank formalities. If the loan is sanctioned, follow the concerned authority's and bank's instructions for documentation and disbursement.
Ready to Check the Application?
Visit the official portal for the application process and current scheme information.
Open Official Portal ↗ Check Application Status ↗Helpline listed in the official FAQ: 1800-345-6444. For the current checklist, open the official How to Apply page and look for “Courses for BSCC” and the application instructions.
Conclusion
The Bihar Student Credit Card Scheme aims to make higher education more accessible by facilitating educational loans for eligible students. Before applying, students should check the current eligibility requirements, approved course list, required documents and loan conditions through the official portal or the concerned DRCC.
Official References
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