BCA Admission with Bihar Student Credit Card Scheme 2026

BCA Admission Through Bihar Student Credit Card Scheme – Tech Career Without Financial Stress

Choosing a career in IT and technology is considered one of the best choices today. As most companies are moving to digital-first businesses, it is a high demand period for software developers, data analysts, cybersecurity professionals and IT workers.

However, many students do not sign up for technical courses such as BCA (Bachelor of computer application) due to the high costs of the course, hostel and resources. 

Fortunately, the Bihar Student Credit Card Scheme (BSCCS), gives you the opportunity to continue with an IT course and not worry about finances. If you're looking to take BCA course under BSCCS, this is your easy to read 2025 guide to all that is new, eligibility, all the benefits, and the step by step guide to applying for one.

Bihar Student Credit Card Scheme (BSCCS) Overview

The BSCCS program was introduced on October 2, 2016, with the launch of the Mukhyamantri Nishchay Yojana program, which provides subsidies for students in Bihar to obtain higher education after they complete Class 12.

As of October–November 2025, you could avail yourself of education loans for professional and degree courses (BCA, BBA, B.Tech, MBBS, etc.), now offering up to ₹5,00,000.

No Collateral: You will not need to mortgage any personal or family property, the Government of Bihar will guarantee your loan.

1% interest for women, transgender, and differently-abled; 4% interest for men.

Extended repayment of two years (up from one year) , there is a two-year grace period after course completion.

Tuition, hostel and mess (if in the approved structure), exam, and lab costs are covered under the loan.

This scheme is a great opportunity for students, if you obtain BCA admission with BSCCS, you can begin your career in information technology with full confidence!

Why Choose BCA with BSCCS?

A BCA degree opens up varied careers in the booming economy of IT and data, including: 

• Software Development
• Data Analysis
• IT Networking & Support
• Cybersecurity
• Cloud Computing

However, with the rising costs of education, a BCA program funded by BSCC guarantees that your education is never limited by finances.

You can get full funding and attend one of the many BSCC funded BCA eligible colleges across India and worry about coding, internships, and innovation, not costs.

Loan Coverage Under BSCCS for BCA (2025 Update)

Updated Bihar Student Credit Card Scheme now covers important educational expenses for students interested in BCA courses up to the value of ₹5,00,000.

Includes:

• 100% of the tuition fee for BCA programs
• Hostel hostel fees, if part of the official fees charging by the college
• Examination, library, and lab fees
• Miscellaneous academic expenses, such as books, laptop, or uniforms (where disclosed in the official fee structure)

Note:

• Terms and Conditions Do not apply to on-campus PG or rentals
• Mess fees will only be reimbursed if indicated in the official hostel fee.

Benefits of BCA Loan Under BSCCS 2025

1. Guaranteed Loan Without Collateral: There is no collateral or co-signer necessary, the government is backing you.  
2. Affordable Interest Rates on Educational Loan: Interest rates range from 1%-4% and making repayment easy.  
3. More Time to Repay: Two years after completion of the course before repayments start allows you to get on your feet and start getting income before paying it back.   
4. Increased Loan Amount: Updated in November 2025 up to ₹5 lakh.   
5. Comprehensive Education Costs Paid: Tuition, hostel, academic materials, and more are paid.   
6. Application and Disbursal Tracking: Students can see the status of their application and disbursal at 7nischay-yuvaupmission.bihar.gov.in.   
7. Professional Guidance: Apply with assistance from professional staff who will assist you with the application and verification process with TheAdmission.org.

BCA Course Eligibility Under BSCCS (2025 Edition)

In order to apply for a BCA loan under BSCCS, applicants must satisfy the following updated criteria:

• Applicants must have completed Class 12 from a recognized board (BSEB, CBSE, ICSE or equivalent board).
• They must avail the Admission in a recognized BCA College in India(UGC/AICTE approved college).
• Age: 28 years as of the 2025 revision.
• Must be a permanent resident of Bihar.
• The course must be recognized and approved by competent educational authorities.
• Students from low and middle-income families will be given priority for the Mukhyamantri Nishchay Yojana 2.0.

How to Study BCA with Bihar Student Credit Card Scheme (2025 Process)

Step 1: Signing Up Online

Visit the BSCCS portal: 

👉 https://www.7nischay-yuvaupmission.bihar.gov.in/

Select the "New Applicant Registration" option 

Provide your name, mobile number, Aadhaar number, and email ID to sign up.

Step 2: Sign In and Select Your Scheme 

Log in with the OTP that will be sent to your registered mobile number. 

Select the "Student Credit Card (SCC) Scheme." 

Provide your BCA admission details and upload the required documents – including a passport-sized photo and your college's fee structure (on letterhead).

Step 3: Submit Your Application The application will generate a unique Application ID, so press Submit for your Application ID. 

Use this application ID to check the status of your loan application on the BSCC portal. 

Step 4: Document Verification Go to your District Registration and Counselling Centre (DRCC) with the original documents to have them verified by the staff. 

Your documents will be checked, and the verified file will be sent along to the District Education Officer for financial approval.

Step 5: Loan Disbursement After the loan is approved, the loan amount is transferred to your college/institute account. 

You will receive a message by SMS and E-Mail confirming approval.

Required Documents Checklist

• ✔ Aadhaar Card
• ✔ PAN Card (if available)
• ✔ 10th & 12th Marksheet
• ✔ BCA Admission Letter
• ✔ Fee Structure from College
• ✔ Residence Certificate
• ✔ Income Certificate
• ✔ Passport-size Photos
• ✔ College/University Recognition Proof

Final Takeaway

The Bihar Student Credit Card Scheme presents a fantastic chance for students who want to enroll in BCA admission with BSCCS and create a fulfilling career in technology. With low-interest loans, no collateral, and full tuition, hostel, and complete student finance support – TheAdmission.org, you can spend your time coding your future.  

So, why wait? Apply today with BCA credit card scheme loan – TheAdmission.org and overcome the barrier of student debt.