Bihar Student Credit Card Scheme: Eligibility, Benefits & Application Process

The Bihar Credit Card Scheme is an initiative by the Government of Bihar to support students and small entrepreneurs by providing low-interest loans. This scheme aims to promote self-employment and higher education opportunities among Bihar residents.

Key Features:

• Eligibility: Bihar residents aged 18-35.
• Loan Amount: Up to ₹4,00,000.
• Interest Rate: Subsidized rates for education and startups.
• Repayment Tenure: Flexible repayment options up to 7 years.
• Collateral: No collateral required for loans up to ₹1,00,000.
• Application Mode: Online and offline.
• Purpose: Education loans for higher studies and startup funding for entrepreneurs.
• Courses Covered: Technical, professional, and general degree courses.
• Institutions Covered: Government-recognized institutions across India.
• Co-Applicant Requirement: Parent/guardian must be a co-applicant.
• Processing Time: Loan approval within 15-30 days after verification.
• Subsidies & Benefits: 0% interest during the study period.
• Loan Disbursement: Directly to the institution’s bank account.
• Helpline: Contact the official BSCC portal for support.

Follow these steps to apply for your desired college or course

1. Visit the official website of the Bihar Student Credit Card Scheme (BSCCS).
2. Click on the "Apply Now" button to start your application.
3. Register with your name, email ID, phone number, and Aadhaar details.
4. Browse through the list of colleges and courses available under the scheme.
5. Fill out the online application form with:
   • Academic details (10th/12th/Graduation marks)
   • Course preferences
   • Personal information (Name, Address, Contact Details)
   • Family income details
6. Upload scanned copies of the required documents.
7. Submit the application and note down your reference number for future tracking.
8. Wait for verification by the concerned authorities.
9. Receive admission updates, counseling details, and offer letters directly on your profile.
10. Once approved, visit the nearest DRCC (District Registration cum Counseling Center) for final verification.
11. Sign the necessary agreements and submit biometric verification.
12. Upon successful verification, the loan amount will be directly disbursed to the institution’s bank account.
13. Track your application status online through the official portal.

For assistance with admissions, scholarships, or applications, contact TheAdmission.org support team via email or phone. We're happy to help!

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• Residency: The applicant must be a permanent resident of Bihar.
• Age Limit: 18 to 35 years.
• Education Requirement:
  • For students, enrollment in a government-recognized institution is mandatory.
  • The course must be a recognized degree, diploma, or professional program.
• Business Requirement (for entrepreneurs):
  • A detailed business proposal must be submitted.
  • The business must be planned in Bihar.
• Financial Criteria: No specific income limit, but preference may be given to economically weaker sections.
• Loan Repayment History: The applicant must not have defaulted on any previous government loan.
• Co-Applicant Requirement:
  • A parent or guardian must be a co-applicant.
  • The co-applicant should have a stable financial background.
• Institution Eligibility:
  • The educational institution must be UGC/AICTE/MCI/NBA/Bar Council recognized.
  • Institutions from other states are allowed if they meet the recognition criteria.
• Course Type:
  • General, technical, and professional degree/diploma courses are covered.
  • Vocational and skill-based courses may be eligible.
• Academic Performance:
  • Minimum qualifying marks may be required.
  • Applicants must maintain satisfactory academic progress.
• Loan Utilization:
  • The loan amount must only be used for educational expenses (tuition fees, books, hostel, etc.).
  • For entrepreneurs, funds must be used strictly as per the business proposal.

• Aadhaar Card (Applicant & Co-applicant)
• Domicile Certificate of Bihar
• Income Certificate
• Education Documents:
  • 10th & 12th Mark Sheets and Certificates
  • Graduation/Post-Graduation Mark Sheets (if applicable)
  • Admission Letter from the Institution
  • Approved Course Structure & Duration
  • Course Fee Structure issued by the Institution
• Business Plan (for entrepreneurs applying under the scheme)
• Bank Account Details:
  • Passbook Copy
  • Cancelled Cheque
• PAN Card (Applicant & Co-applicant)
• Residence Proof:
  • Voter ID
  • Passport
  • Driving License
  • Electricity Bill
  • Bank Passbook First Page with Address
• Financial Documents:
  • Income Tax Return (ITR) of the last 2 years (if applicable)
  • Form 16 (if applicable)
  • Co-applicant’s Bank Statements for the last 6 months
• Recent Passport-sized Photographs (Applicant & Co-applicant)
• Scholarship or Free Education Certificate (if applicable)
• Filled Common Application Form