The Bihar Student Credit Card 2026 (BSCC) provides education loans up to ₹4 lakh at just 4% interest to students who have passed Class 12 from Bihar. For girl students and PwD students, the interest rate is only 1%. No collateral or guarantor is required. The loan covers tuition fees, hostel charges, books, and other educational expenses. Apply at 7nishchay-yuvaupmission.bihar.gov.in. Last updated: 17.05.2026.
Bihar Student Credit Card 2026 – Key Details
| Detail | Info |
|---|---|
| Maximum Loan Amount | ₹4 lakh |
| Interest Rate (General) | 4% per annum simple interest |
| Interest Rate (Girls / PwD) | 1% per annum simple interest |
| Collateral Required | No |
| Guarantor Required | No |
| Eligible Courses | 102 approved higher education courses |
| Repayment Starts | After getting employment / 1 year after course completion |
Bihar Student Credit Card 2026 – Important Links
| Description | Link |
|---|---|
| Apply Online | Click Here |
| Check Application Status | Click Here |
| Official Portal | Click Here |
Eligibility
- Bihar domicile who has passed Class 12 from a recognised school in Bihar
- Age: 25 years or below at the time of application
- Must be enrolled or applying for admission in one of 102 eligible courses at a recognised institution
- No income restriction for the family
102 Eligible Courses Include
BA, B.Sc, B.Com, B.Tech, MBBS, BDS, B.Pharm, BCA, BBA, B.Ed, LLB, Polytechnic, ITI, Hotel Management, Agriculture, Nursing, MBA, MCA, M.Tech, and other professional courses from recognised institutions in India.
How to Apply
- Visit 7nishchay-yuvaupmission.bihar.gov.in
- Register with mobile number and Aadhaar
- Fill the online application — select your course and institution
- Upload documents
- DRCC (District Registration and Counselling Centre) will schedule a counselling appointment
- After counselling, loan sanction letter issued — funds disbursed directly to institution
Documents Required
- Aadhaar card
- Class 12 marksheet and certificate
- Admission letter from institution
- Residence proof (Bihar domicile)
- Bank account details
- Two passport-size photographs
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