Bihar Student Credit Card Yojana Online Apply 2022

Shahrul Ahmad
10 Min Read

The State Government of Bihar announced the Bihar Student Credit Card Yojana in Oct 2016 to provide an interest-free financial loan to students for pursuing higher studies. It is part of the 7 Nischay program launched by the chief minister of Bihar Shri Nitish Kumar to empower youth through financial support in studies and employment opportunities.

Previously, the scheme is run by the education department facilitating loans to the students through nationalized banks acting as a guarantor. Given the banks’ reluctance in implementation, the government announced in March 2018 that it will set up the Education Finance Corporation to disburse the loans.

Bihar Student Credit Card

Bihar Student Credit Card Yojana

The banks continue to provide education loans to students but the major differentiator for the students encouraging them to avail of government benefits is the interest-free loan provided under the Bihar Student Credit Card Yojana. The main emphasis of the Bihar Student Credit Card Yojana is that students are provided with an opportunity to pursue higher education with the financial support

Benefits Provided to Students

Under the SCC scheme, the state government will provide students with an interest-free education loan of up to Rs. 4 lakh for pursuing higher education.

Bihar Student Credit Card Yojana Purpose

Students can use the amount availed for various purposes like

  • Pay course fees to the educational institution of higher studies
  • Insurance premium for the borrower
  • Examination/ Library/ Laboratory fee
  • Purchase of books, equipment, instruments, uniforms, and computers (under a specified cost & if required for completion of course)
  • Other expenses like study tours, project work, thesis etc

Bihar Student Credit Card Yojana Eligibility

Student eligibility criteria

  • The student should be a resident of Bihar and an Indian national
  • Students pass any of the below exams from an educational institution located/situated in Bihar
  1. Intermediate exams from Institutions recognized by Bihar School Exam Committee
  2. 12th from Institution recognised by the Central Board of Secondary Education or Equivalent boards
  3. Sub-Shastri passed students from Institutions recognized by Bihar State Sanskrit Education Board or
  4. Moulvi passed student from any recognized Institute by Bihar State Madarsa Board
  • The applicant’s age should not exceed 25 years [as per the date of application]
  • The student should have a UID or Aadhar Number
  • The beneficiary cannot discontinue studies post availing of the loan. In case of discontinuation, the benefit provided will be discontinued
  • The applicant does not receive any kind of allowance/ scholarship/student credit card/education loan or any kind of assistance from any other source.

Institutes & Courses Eligible for Studies

  • Students belonging to Bihar can pursue higher education in or outside Bihar under Technical or Non-technical courses
  • Educational institutions recognized by concerned regulatory boards/ agencies of Bihar Govt. or other State Govts. or Central Govt.
  • General Courses (non-technical), Financial Courses and Technical Courses e.g. B.A., B.Sc., B.Com, Engineering, Management, Medical, Law etc.
  • A complete list of courses is detailed here

List of Documents Required

  • Filled Common Application form – Download the application form
  • Aadhar Card of the applicant
  • Aadhar Card of co-applicant (if available)
  • Copy of Pan Card of the student
  • Copy of Pan Card of the co‐applicant or joint applicant or guarantor
  • Certificate and Marksheet Xth and XIIth or certificate of any last qualifying examination
  • Copies of letter conferring Scholarship etc. (If available)
  • Approved Course Structure
  • Proof of admission to the course (which student would pursue gaining the loan amount)
  • Fee Schedule and any other expense schedule
  • 2 Photographs of Student/ Parents / Guarantor
  • If employed, Last year’s income certificate/ Form 16
  • Last two year’s income tax return  (if I.T. Assessed)
  • Last 6 months Bank Statement of the parent or guardian or co-applicant
  • Proof of Residence (ID/ Passport/ Voter ID/ Driving License)
  • Tax Receipts (Advance IT/Property Tax/Municipal Tax. etc.)

How To Apply For Bihar Student Credit Card Scheme

Students in Bihar can apply for an interest-free education loan of up to 4 lakhs for completing higher education. The scheme launched by the state government is now being implemented through the Education Finance Corporation. Here are the details about how to apply for the Bihar student credit card scheme.
Applications for the student credit card benefit are received through the Bihar government website 7 Nischay
  • Visit the government online portal www.7nischay‐ or download and install the mobile app
  • Press New Applicant Registration and fill in the required details like name, contact number, email id etc and submit
  • An OTP message is sent to the email Id and mobile number by SMS. Enter the OTP and submit – Registration will be completed and username and password will
  • be sent by email and SMS
  • Login to the 7 Nischay portal now using the username and password and fill in all the personal information required
  • Proceeding next will provide a list of schemes to apply for
  • Select BSCC and fill in all the required information – personal, financial, securities, employment, course/study, details of existing loan and preferred payment terms and co-applicant details
  • Ensure all the information is accurate and submit the application
  • A confirmation message will be displayed and a PDF copy of the acknowledgement will get displayed which could be printed. The registration ID will also be messaged to the applicant
  • The applicant will receive further instructions on the submission of required documents and processing of the application
  • All applicants, who have made online applications are required to get their original papers checked at the district registration and counselling center DRCC. After the verification of the papers and approval of the officers/officials, the applicant will be able to avail of the scheme.

Check Application Status For Bihar Student Credit Card Yojana

To assist students to complete higher education after the 12th standard, the Bihar state govt introduced the Student Credit Card Scheme. Students can receive up to 4 lakhs with 0% as part of the scheme. Know more about the Student Credit Card Scheme here and how to submit a BSCCY application
Congratulations if you have already applied for the credit card yojana. There is a process flow set by the government detailing the different stages and timelines required to process the application. Meanwhile, you can keep monitoring the status of the BSCCY application using the Registration Id provided during the submission of the application or using the Aadhar number of the applicant.

How to Check Application Status For Bihar Student Credit Card Yojana

  • Navigate to the 7 Nischay online portal here which opens the application status page (or use the mobile app)
  • Select the Registration Id or Aadhar Card Number option for searching the application. Below are the fields highlighted

7 Nischay Online Portal – Application Status Screen

  • Enter the DateOfBirth
  • Fill Captcha code as shown in the picture
  • Press Submit

For any issues or enquiries please use the official toll-free number allocated by the Bihar Govt for BSCC Yojana Toll-Free Helpline Number:   1800 3456 444

List Of Courses For Bihar Student Credit Card Scheme

Below is a list of all the courses eligible for obtaining the benefit under the Student Credit Card scheme launched by the Bihar State Govt.
  1. B.A/B.Sc./B.Com(All Subject)
  2. B.C.A./ B.Sc.(Information Technology/Computer Application/Computer Science)
  3. B.Sc.(Agriculture)
  4. B.Sc.(Library Science)
  5. B.Sc./B.H.M.C.T./B.Tech(Hotel Management and Catering Technology/Hospital and Hotel Management)
  6. Diploma In Hotel Management (Three Year) (I.H.M. Course)
  7. B.Tech/B.E./B.Sc.(Engineering All Branches)
  8. B.Sc.(Nursing)
  9. Bachelor Of Pharmacy
  10. B.V.M.S.
  11. B.A.M.S.
  12. B.U.M.S.
  13. B.H.M.S.
  14. B.D.S.
  15. G.N.M.
  16. Bachelor of Mass Communication/Mass Media/Footwear Designing
  17. B.Sc. in Fashion Technology/Designing/Apparel Designing/Footwear Designing
  18. Bachelor of Architecture
  19. B.P.Ed.
  20. B.Ed.
  21. M.Sc./M.Tech integrated course
  22. Bachelor of Physiotherapy
  23. Bachelor of Occupational Therapy
  24. Diploma in Food Processing/ Food Production
  25. Diploma in Food & Beverage services
  26. B.A./B.Sc./B.Ed.(Integrated courses)
  27. B.B.A.
  28. B.F.A.
  29. Diploma in Food, Nutrition/Dietetics
  30. M.B.B.S.
  31. BL./LLB (5-year Integrated course)
  32. Aalim
  33. Shashtri
  34. B.Tech/B.E. for laterally admitted candidates having a degree of three-year Diploma courses approved by the State Technical Education Council
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Shahrul Ahmad is a writer and educator with over 10 years of experience. He is passionate about using writing to inform and inspire others. His work has been published in a variety of magazines and newspapers, and he has also authored several books on educational and employment topics. To Read More
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