Bihar Student Credit Card Yojana 2026 – Apply Online @ 7nishchay-yuvaupmission.bihar.gov.in
Bihar Student Credit Card Yojana 2026 – Apply Online @ 7nishchay-yuvaupmission.bihar.gov.in
Bihar Government has launched the Bihar Student Credit Card (BSCC) Scheme under Mukhyamantri Nishchay Swayam Sahayata Bhata Yojana (MNSSBY) to provide financial assistance to students who wish to pursue higher education but face financial constraints. Under this scheme, eligible students can avail an education loan of up to Rs. 4 Lakh at very low interest rates for pursuing technical, professional, and general higher education courses. Interested students can apply online at 7nishchay-yuvaupmission.bihar.gov.in.
Bihar Student Credit Card Yojana 2026 : Summary
| Scheme Name | Bihar Student Credit Card (BSCC) Scheme |
|---|---|
| Part of | Mukhyamantri Nishchay Swayam Sahayata Bhata Yojana (MNSSBY) |
| Launched By | Bihar Government |
| Launch Date | 2 October 2016 (Gandhi Jayanti) |
| Objective | Provide Education Loan for Higher Studies |
| Loan Amount | Up to Rs. 4,00,000 (4 Lakh) |
| Interest Rate | 4% per annum (Subsidized / Zero for special categories) |
| Maximum Age | 25 Years |
| Application Mode | Online |
| Helpline Number | 1800-3456-444 (Toll Free) |
| Helpline Email | spmubscc@bihar.gov.in |
| Official Website | 7nishchay-yuvaupmission.bihar.gov.in |
What is Bihar Student Credit Card Scheme?
Bihar Student Credit Card Scheme is a government-backed education loan initiative launched by the Bihar Government to help students from economically weaker sections pursue higher education. Many students in Bihar complete their 12th class but are forced to drop out of higher education due to lack of funds. This scheme ensures that financial constraints do not become a barrier to education.
Under this scheme, students can get a loan of up to Rs. 4 Lakh which can be used for tuition fees, hostel charges, books, laptop, and other educational expenses. The loan is disbursed through a credit card and repayment begins only after the completion of the course, giving students stress-free study years.
Eligibility Criteria
- The applicant must be a permanent resident of Bihar.
- Must have passed 12th Class (Intermediate) from a recognized board.
- Must have taken admission or been selected for a higher education course in a recognized college / institution.
- Maximum age at the time of application: 25 Years.
- The applicant's family must not have availed any other education loan for the same course.
Interest Rate Details
| Category | Interest Rate |
|---|---|
| General Category (Male) | 4% per annum |
| Female Students | 1% per annum (Subsidized) |
| Transgender Students | 1% per annum (Subsidized) |
| Divyang (Differently Abled) | 1% per annum (Subsidized) |
Loan Can Be Used For
- Tuition Fees and College Fees
- Hostel / Accommodation Charges
- Books, Stationery and Study Material
- Laptop / Computer Purchase
- Examination Fees
- Other Education-related Expenses
Eligible Courses
The Bihar Student Credit Card Scheme covers a wide range of courses including: B.A., B.Sc., B.Com, B.Tech, B.E., MBBS, BDS, BAMS, BCA, BBA, MBA, MCA, M.Tech, M.Sc., M.A., M.Com, LLB, B.Ed, Polytechnic / Diploma Courses, Paramedical Courses, Hotel Management, Fashion Designing and many other technical / professional / general courses approved by the Bihar Government. Students must check the official approved course list on the MNSSBY portal before applying.
Documents Required
Personal Documents
- Aadhaar Card
- Voter ID / Residence Proof
- Passport Size Photograph
- Signature (Scanned)
- Bank Passbook (Aadhaar Linked)
- Mobile Number & Email ID
Educational Documents
- 10th Marksheet & Certificate
- 12th Marksheet & Certificate
- Admission Letter / College ID Proof
- Fee Receipt of College
- Income Certificate of Family
- Caste Certificate (if applicable)
How To Apply Online For Bihar Student Credit Card 2026
- Step 1 - Visit the official MNSSBY portal https://www.7nishchay-yuvaupmission.bihar.gov.in
- Step 2 - Click on "New Applicant Registration" on the Home Page.
- Step 3 - Fill in your name, Email ID, Mobile Number and create a password. Submit the registration form to receive your Registration ID and Password on your registered email and mobile number.
- Step 4 - Login using your Registration ID and Password.
- Step 5 - Select "Bihar Student Credit Card Scheme" from the available schemes and click "Apply".
- Step 6 - Fill in the application form with personal, educational and financial details carefully.
- Step 7 - Upload all required documents in the specified format and size.
- Step 8 - Review and submit the application. Download the Acknowledgement PDF for future reference.
- Step 9 - The District Registration and Counseling Center (DRCC) will schedule an appointment via SMS and Email. Visit the DRCC with self-attested documents for verification.
- Step 10 - After successful verification, the loan amount will be sanctioned and disbursed via the Student Credit Card.
How To Check Bihar Student Credit Card Application Status
- Step 1 - Visit the official MNSSBY portal https://www.7nishchay-yuvaupmission.bihar.gov.in
- Step 2 - Click on "Application Status" on the Home Page.
- Step 3 - Enter your Registration Number / Aadhaar Number and Date of Birth.
- Step 4 - Enter the Captcha Code and click "Submit" to view your application status.
Some Useful Important Links
| New Applicant Registration | Click Here To Register |
|---|---|
| Applicant Login | Click Here To Login |
| Check Application Status | Click Here To Check Status |
| Official Website | Click Here To Open Official Website |
| Join WhatsApp Channel | Follow Now |
| Join Telegram Channel | Follow Now |
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