बिहार सरकार द्वारा चलाई जा रही Bihar Student Credit Card Scheme (BSCC) राज्य के छात्रों के लिए एक बेहद महत्वपूर्ण योजना है, जिसके तहत higher education के लिए ₹4 लाख तक का education loan बहुत ही कम ब्याज दर पर दिया जाता है।
यह योजना उन छात्रों के लिए है जो financial problems की वजह से B.Tech, MBBS, BA, BSc, Polytechnic, Management या अन्य higher education courses नहीं कर पा रहे हैं।
Bihar Student Credit Card Scheme – Overview Table
| Scheme Name | Bihar Student Credit Card Scheme |
|---|---|
| Launched By | Government of Bihar |
| Department | Department of Education, Bihar |
| Loan Amount | Up to ₹4,00,000 |
| Interest Rate | 1% (Girl/Divyang/Transgender) |
| Eligible Courses | General, Technical & Professional |
| Age Limit | Up to 25 Years |
| Application Mode | Online |
| Official Website | 7nishchay-yuvaupmission.bihar.gov.in |
What is Bihar Student Credit Card Scheme? BSCC
Bihar Student Credit Card Scheme का उद्देश्य बिहार के छात्रों को financial assistance for higher education देना है। इसके तहत सरकार-समर्थित loan banks के माध्यम से दिया जाता है, जिससे repayment process भी flexible रहता है।
👉 Loan तभी repay करना होता है जब course complete हो जाए और student को job मिल जाए।
Benefits of Bihar Student Credit Card Scheme
इस योजना के तहत छात्रों को निम्न benefits मिलते हैं:
- ✅ ₹4 लाख तक का education loan
- ✅ Polytechnic, General & Professional courses covered
- ✅ Books, Laptop, Fees के लिए loan उपयोग
- ✅ Course complete होने के बाद repayment
- ✅ Girl, Divyang & Transgender students के लिए सिर्फ 1% interest
- ✅ Govt-owned recovery system (Flexible rules)
Eligible Courses Under BSCC Scheme
यह loan निम्न courses के लिए लिया जा सकता है:
- BA / BSc / BCom
- B.Tech / Engineering
- MBBS / Medical
- Polytechnic / Diploma
- Law / Management / IT
- Other recognized higher education courses
Eligibility Criteria for Bihar Student Credit Card Scheme
| Eligibility Point | Details |
|---|---|
| State Residence | Applicant must be resident of Bihar |
| Age Limit | Maximum 25 years |
| Qualification | Passed Class 12th |
| Admission | Admission in recognized institute |
| Course Status | Must complete full course |
| Other State Students | ❌ Not eligible |
📌 Note: Same level degree twice is not allowed (except technical/management).
Interest Rate Details
| Category | Interest Rate |
|---|---|
| General Students | Very low Govt prescribed rate |
| Girl Students | 1% |
| Divyang / Transgender | 1% |
Documents Required for BSCC Scheme
Online Registration
👉 Online apply करते समय कोई document upload नहीं करना होता
DRCC Verification के समय Required Documents
- Aadhaar Card
- PAN Card
- 10th & 12th Marksheet & Certificate
- Admission Proof
- Fee Structure
- Income Certificate
- Bank Statement (Last 6 months)
- Residence Proof
- Photographs
- Income Tax Return (if applicable)
How to Apply Online for Bihar Student Credit Card Scheme – Step-by-Step
Step 1: New Registration
👉 Visit: Click Here
- Click on New Applicant Registration
- Enter Name, Mobile, Email, Aadhaar
- Verify OTP & Submit
Step 2: Login
- Login using Username & Password
- Fill Personal Information
- Select BSCC (Bihar Student Credit Card) option
Step 3: Submit Application
- Fill BSCC form
- Submit & get Acknowledgement Number
Step 4: DRCC Appointment
- DRCC will send SMS & Email
- Visit DRCC with documents
- Verification by officials
Step 5: Loan Sanction
- Bank sanction letter issued
- Student Credit Card provided
- Loan disbursed by bank
Application Status Check
👉 Track your application here:
Click Here
Important Rules to Know
- ❌ Dropout करने पर remaining loan amount नहीं मिलेगा
- ❌ Same degree level twice allowed नहीं
- ✔ Loan disbursement is bank-based
- ✔ Govt monitors repayment & recovery
Frequently Asked Questions – FAQ
Q1. Bihar Student Credit Card Scheme में maximum loan कितना है?
👉 ₹4,00,000 तक
Q2. क्या Bihar के बाहर के छात्र apply कर सकते हैं?
👉 नहीं
Q3. Repayment कब शुरू होता है?
👉 Course complete होने और job मिलने के बाद
Q4. Online application में documents upload करना जरूरी है?
👉 नहीं
Conclusion
Bihar Student Credit Card Scheme 2025 उन छात्रों के लिए एक golden opportunity है जो higher education करना चाहते हैं लेकिन पैसे की कमी आड़े आती है। अगर आप बिहार के निवासी हैं और 12th pass कर चुके हैं, तो यह योजना आपके भविष्य को secure कर सकती है।
👉 आज ही apply करें और अपने education dreams को पूरा करें।
- Bihar Student Credit Card Scheme
- BSCC Scheme 2025
- Bihar education loan scheme
- Student credit card Bihar apply online
