MBBS Admission Through Bihar Student Credit Card Scheme (BSCCS) – Colleges, Loan, and Process

Pursuing a doctoral degree is considered to be one of the most respected professions in India. The degree not only ensures higher career growth but also gives you potential respect in society. 

However, if you have also dreamed of becoming a doctor and helping others, then welcome to the blog. This blog is for those who are preparing for MBBS and looking for colleges. So, ready to begin! 

In this blog, we will be highlighting one of the most asked questions by the students related to BSCCS. Let's start! 

Can I Really Do MBBS Using Bihar Student Credit Card?

Yes, the Bihar Student Credit Card scheme supports students to pursue MBBS ( Bachelor of Medicine and Bachelor of Surgery) through any reputed college in India. Students can apply to this scheme for any of the institutions, be it government or private, as long as the course is recognised by the Medical Council of India, the scheme is applicable for the student to pursue an MBA through. 

Where Can I Take Admission?

You can take admission in any MCI/NMC-approved medical college in India through this scheme as: 

Government Colleges

• AIIMS (if eligible)
• Patna Medical College
• Nalanda Medical College
• Darbhanga Medical College
• IGIMS Patna

Private/Deemed Colleges

• Katihar Medical College
• Mata Gujri Memorial Medical College
• Other private institutions outside Bihar (Maharashtra, Karnataka, etc.)

Note: You can apply for any of the colleges in India and be eligible for the BSCC scheme but kindly ensure that the college must be approved by NMC and listed under permitted institutions. 

How Much Loan Will I Get for MBBS?

Bihar Student credit card scheme allows a loan of up to 4 lakh rupees, which is designed to help students in financing parts which they were facing and struggling to get through. The best part of the loan is that you don't need to provide any collateral security for the loan, which makes it applicable for all the lower-income groups to avail of this and study further and achieve their dreams. 

However, the sanctioned loan will be covering your educational expenses, such as: 

• Admission and Tuition Fees
• Laboratory & Library Fees
• Hostel Charges
• Exam Fees
• Books and Medical Kits

However, kindly note that the maximum loan granted will be up to 4 lakh rupees. If your educational expenses exceed 4 lakh rupees, you have to pay separately. Also, if your total expenses are less than four lakh rupees, then the sanction amount will be the charged expense. 

Who Is Eligible for BSCCS MBBS Loan?

That's the tricky part because eligibility matters most under this scheme: 

• The first criterion that you must meet is that you should be a permanent resident of Bihar. 
• To pursue MBBS, you must have passed your 12th with science and biology, in order to complete your PCB. 
• You must have qualified for your NEET exam. 
• You must have secured your MBBS admission in any of the approved Indian colleges. 
• You must be below 25 years of age at the time of applying under the scheme. 
• You must have cleared your NEET exam. 

How Do I Apply for BSCCS After MBBS Admission?

Secure NEET Rank & MBBS Admission

• Appear in NEET UG 2025
  
  
• Apply through Bihar state counselling or the All-India Quota.
  
  
• Get your admission letter from the college

Register on the BSCCS Portal

• Visit 7nishchay-yuvaupmission.bihar.gov.in
  
  
• Click on “New Applicant Registration”
  
  
• Fill in your details (Aadhaar, mobile, email)

Log in & Fill the Student Credit Card Form

• Choose the “Student Credit Card” scheme
  
  
• Enter MBBS admission details
  
  
• Upload your admission letter, fee structure, and documents

Attend DRCC Counselling

• Visit your District Registration & Counselling Centre (DRCC)
  
  
• Submit original documents for verification

Loan Approval & Disbursement

• Once verified, your loan is sanctioned
  
  
• Fees are directly transferred to the college

What if My MBBS College Fee is More Than ₹4 Lakhs?

If your MBBS fee is more than ₹4,00,000, then: 

• The ₹4 lakh from BSCCS can cover initial or yearly fees
• You may combine BSCCS with other scholarships or private funds
• Colleges often allow instalment-based payments, which BSCCS can partly cover

What Documents Are Needed For BSCCS? 

The related documents are: 

• Aadhaar Card
• Class 10th & 12th Marksheet
• NEET Admit Card & Scorecard
• MBBS Admission Letter
• College Fee Structure
• Bank Passbook
• Passport-size Photo
• Residence & Income Certificate (Bihar)
• PAN Card (if available)

How is the Repayment Process?

The repayment process has your back, you don't need to hustle much on paying, as it gives an extended period for repayment, such as: 

• Repayment starts 1 year after MBBS course completion. 
• Once you have completed your MBBS, you get time to settle down into a medical career or internship. 
• Your repayment can be done in easy monthly EMIs as well, without bothering you much. 
• 
  

Quick Summary 

Still confused? Reach out to experts! 

If you’re still confused or need step-by-step guidance, contact TheAdmission.org for:

• Free MBBS admission counselling
• Help with BSCCS form filling & document check
• College suggestions based on NEET score
• Support until your loan is approved

Conclusion 

The path to becoming a doctor is difficult but paying for fees should not be. Bihar Student credit card scheme ensures that you achieve your dreams without any hustle across anywhere in India. So if you have cleared your NEET, don't wait and apply today for BSCCS.