Complete List of Courses Eligible Under Bihar Student Credit Card Scheme 2026
BSCC eligible courses are the most important thing you need to understand before you apply for the Bihar Student Credit Card Scheme. If you have completed your Class 10 or Class 12 exams and want to pursue higher education without worrying about expensive college fees, the Bihar Government offers an education loan of up to ₹4 Lakhs. However, this financial support is only available if you select an officially approved course.
In this comprehensive, easy-to-read guide, we focus exclusively on the approved Bihar education loan courses. We will explore every course category on the government's official list so you can choose the right path for your career.
What Makes a Course Eligible Under the BSCC Scheme?
The government created the Bihar Student Credit Card Scheme to help students build strong, employment-oriented careers. To make sure the loan helps you get a real job after graduation, the education department selected over 40 specific courses.
To receive approval for the loan, your chosen course must meet these core criteria:
- Official Government Approval: The course must be listed on the official MNSSBY list of Bihar education loan courses.
- Authorized Institution: The college or university offering the course must have proper recognition and high accreditation (such as NAAC accreditation or NIRF ranking).
- Recognized Qualification: The program must lead to a recognized diploma, undergraduate degree, or postgraduate degree.
Top Professional Degrees: diploma, B.Tech, MBBS, MBA, BCA, BBA courses under BSCC
Technical and management programs are among the most popular choices for students aiming for jobs in top multinational companies. The government fully supports these professional fields.
Here is a detailed look at the diploma, B.Tech, MBBS, MBA, BCA, BBA courses under BSCC:
1. Polytechnic & Engineering Diploma
Polytechnic diploma programs offer practical, technical training right after Class 10 or Class 12. Approved 3-year diploma branches include:
- Diploma in Civil Engineering
- Diploma in Mechanical Engineering
- Diploma in Electrical Engineering
- Diploma in Computer Science & Engineering
- Diploma in Electronics & Communication
2. B.Tech & B.E. (Bachelor of Technology / Engineering)
Full 4-year engineering degrees are completely covered under the credit card scheme across all major branches:
- Computer Science & Engineering (CSE)
- Artificial Intelligence & Data Science
- Civil Engineering
- Mechanical Engineering
- Electrical & Electronics Engineering
Note: Students entering directly into the 2nd year of B.Tech via Lateral Entry after completing a diploma are also fully eligible.
3. MBBS (Bachelor of Medicine and Bachelor of Surgery)
For students who clear the NEET exam and secure a seat in a recognized medical college, the MBBS degree is fully eligible. The ₹4 Lakh loan provides major financial relief to cover tuition and institutional fees.
4. BCA (Bachelor of Computer Applications)
For students interested in software development, web design, app creation, and IT services, the 3-year BCA degree is fully approved. It serves as an excellent foundation for a career in the technology sector.
5. BBA (Bachelor of Business Administration)
If you want to enter the corporate world, learn management principles, or run your own enterprise, the 3-year BBA degree is officially covered under the scheme.
6. MBA (Master of Business Administration)
For graduates (BA, B.Com, B.Sc, BCA, or BBA) who wish to pursue post-graduate management education, the MBA degree is included on the government's approved list.
Medical, Paramedical & Healthcare Courses
In addition to MBBS, the government scheme covers a wide range of medical and healthcare training programs:
- BDS (Bachelor of Dental Surgery): 5-year dental degree program for becoming a licensed dentist.
- B.Sc Nursing: 4-year professional degree program for nursing careers in major hospitals.
- GNM (General Nursing and Midwifery): 3-year diploma course in nursing and patient care.
- B.Pharm (Bachelor of Pharmacy): 4-year degree in pharmaceutical science, drug research, and medical manufacturing.
- D.Pharm (Diploma in Pharmacy): 2-year pharmacy diploma program.
- BPT (Bachelor of Physiotherapy): 4.5-year degree in physical rehabilitation and movement therapy.
- BOT (Bachelor of Occupational Therapy): Specialized degree in occupational rehabilitation.
- AYUSH Courses: Alternative medicine degrees including BAMS (Ayurveda), BHMS (Homeopathy), and BUMS (Unani).
- B.V.Sc & A.H. (Bachelor of Veterinary Science): Degree in animal health and veterinary medicine.
Computer Science & IT Master Programs
Students looking to build advanced technology skills can apply for higher computer education:
- MCA (Master of Computer Applications): 2-year or 3-year postgraduate program in software engineering and advanced programming.
- B.Sc in Information Technology / Computer Science: 3-year specialized science degree focusing on IT infrastructure and software development.
Traditional Undergraduate & Postgraduate Degree Programs
For students who plan to prepare for competitive public service exams (such as UPSC, State PSCs, Banking, or SSC) or pursue academic research, standard university degrees are fully covered:
- B.A. (Bachelor of Arts): Undergraduate studies in History, Political Science, Geography, Economics, Sociology, and Literature.
- B.Sc. (Bachelor of Science): Undergraduate studies in Physics, Chemistry, Mathematics, Botany, Zoology, and Environmental Science.
- B.Com. (Bachelor of Commerce): Undergraduate studies in Accounting, Finance, Auditing, and Business Economics.
- Postgraduate Degrees: M.A., M.Sc., and M.Com. programs across all recognized university departments.
- Traditional Academic Courses: Programs such as Shastri and Aalim.
Hotel Management, Culinary Arts & Hospitality
The hospitality industry offers excellent job opportunities nationwide. Approved hospitality programs include:
- BHMCT (Bachelor of Hotel Management and Catering Technology): 4-year professional degree covering hotel administration, front office management, and culinary technology.
- B.Sc in Hotel Management: 3-year degree focused on hospitality operations.
- Diploma in Hotel Management: Skill-based diploma for rapid entry into hotel and restaurant operations.
- Food Processing & Production Diplomas: Specialized skill programs in food technology and safety.
Creative, Vocational & Media Courses
Students interested in creative design, journalism, and artistic fields can choose from several approved vocational degrees:
- Mass Communication & Journalism (B.J.M.C / B.A. Mass Comm): Training in print journalism, television broadcasting, digital media, and public relations.
- Fashion Technology & Apparel Design (B.Sc / B.Des): Professional training in fashion design, textile manufacturing, and apparel technology.
- Fine Arts (B.F.A - Bachelor of Fine Arts): Degree program in visual arts, painting, sculpture, and applied design.
- Architecture (B.Arch): 5-year professional degree in building design, structural planning, and urban architecture.
Law, Education & Sports Sciences
Other specialized professional fields on the approved list include:
- Integrated Law (BA-LLB / BBA-LLB): 5-year integrated dual-degree law program for legal practice and judicial service preparation.
- Integrated B.Ed (BA-B.Ed / B.Sc-B.Ed): 4-year integrated degree combining graduation and teacher training qualifications.
- B.P.Ed (Bachelor of Physical Education): Degree in sports science, physical education, and athletic coaching.
- Bachelor in Yoga: Degree in yoga science, wellness, and health instruction.
How to Get Guidance for Course & College Selection
With over 40 course choices and hundreds of colleges across the country, picking the right combination can feel complicated. Choosing an unapproved college or an ineligible course variation can result in the rejection of your loan application.
This is where professional Course Counseling – TheAdmission.org helps you make informed, risk-free choices.
When you connect with the team at Course Counseling – TheAdmission.org, you receive:
- Direct Course Matching: Expert analysis of your Class 12 marks, subjects, and interests to pinpoint the best course for your goals.
- Verified College Lists: A curated list of top-ranking colleges (with NAAC and NIRF accreditations) that officially accept the Bihar Student Credit Card.
- Documentation Support: Clear guidance on securing valid admission letters and standardized fee structure formats required by the government portal.
- End-to-End Application Guidance: Step-by-step assistance to ensure your MNSSBY portal application is error-free.
Summary
The Bihar Student Credit Card Scheme opens doors for students across all academic disciplines. Whether you aim to study engineering, healthcare, management, computer science, hospitality, or the arts, there is an eligible program ready for you on the government's official list.
Review the list of BSCC eligible courses, evaluate your career interests, and ensure your prospective college holds the necessary government approvals. To ensure a smooth journey toward your higher education goals, seek professional guidance from Course Counseling – TheAdmission.org.
Frequently Asked Questions (FAQs)
- Which are the most popular BSCC eligible courses?
The most popular courses include B.Tech, Polytechnic Diploma, B.Sc Nursing, BCA, BBA, MBA, and MBBS.
- Is MBBS covered under the Bihar Student Credit Card Scheme?
Yes, MBBS is fully covered under the scheme for students who qualify through NEET and secure a seat in an authorized medical college.
- Can I get a loan for General B.A., B.Sc., or B.Com. degrees?
Yes, traditional undergraduate courses like B.A., B.Sc., and B.Com., as well as postgraduate degrees like M.A., M.Sc., and M.Com., are eligible.
- Can I apply for the BSCC loan after a Polytechnic Diploma?
Yes, students holding a Polytechnic Diploma can apply for the credit card scheme to gain lateral entry into the 2nd year of a B.Tech program.
- How does Course counseling – TheAdmission.org assist students?
Course counseling – TheAdmission.org provides course selection assistance, verifies college accreditation status, helps secure official admission letters, and guides students through the MNSSBY portal application.
