Bihar Student Credit Card Scheme (BSCC) – Complete Guide 2026

What is the Bihar Student Credit Card Scheme?

The Bihar Student Credit Card Scheme (BSCC) is a flagship education loan initiative launched by the Government of Bihar in October 2016 under the Saat Nischay Yojana. The scheme operates within the broader framework of the Mukhyamantri Nishchay Self Help Allowance and Student Credit Card Scheme (MNSSBY).

The primary objective of BSCC is to ensure that students from economically weaker backgrounds do not have to discontinue their higher education due to financial limitations. Through this scheme, eligible students can access affordable education loans for pursuing professional, technical, and academic courses across India.

Key Features and Benefits of BSCC

The Bihar Student Credit Card Scheme has been designed to make higher education financially accessible while reducing the burden of high-interest education loans. The scheme offers subsidized interest rates, simplified procedures, and strong government support.

• Education loan of up to ₹4 Lakhs for higher studies
• Highly subsidized interest rate, close to zero percent
• Government of Bihar acts as the loan guarantor
• No collateral or third-party guarantee required
• Fully online application and tracking system

Who Can Apply for the Bihar Student Credit Card Scheme?

The BSCC scheme is available for students who are permanent residents of Bihar and have secured admission to recognized higher education institutions. The eligibility conditions ensure that deserving students receive financial support at the right time.

• Applicant must be a permanent resident of Bihar
• Student should have passed Class 12 or equivalent
• Admission must be secured in a recognized institution in India
• Generally applicable for students up to 25 years of age
• Relaxation available in age criteria in special cases

Loan Amount, Interest Rate, and Repayment Details

The Bihar Student Credit Card Scheme provides education loans at extremely student-friendly terms. The government offers interest subvention benefits, encouraging timely repayment and reducing long-term financial stress.

• Maximum loan amount of ₹4 Lakhs
• Interest rate is highly subsidized and close to zero percent
• Interest concession for students who repay on time
• Flexible repayment options after course completion

Courses Covered Under BSCC

The scheme covers a wide range of professional, technical, and vocational courses to support students from diverse academic backgrounds.

• Engineering and technical degree programs
• Medical and paramedical courses
• Polytechnic and diploma courses
• Management, law, and professional studies
• Skill-based and vocational education programs

How to Apply for Bihar Student Credit Card Scheme

The application process for BSCC is completely online and managed through the official 7 Nischay portal. Students can apply without visiting government offices, making the process transparent and time-efficient.

• Visit the official 7 Nischay or RTPS portal of Bihar
• Register under the Student Credit Card Scheme section
• Fill in personal, academic, and course details carefully
• Upload required documents digitally
• Submit the application and note the application reference number

How to Track BSCC Application Status

Once the application is submitted, students can easily track their application status online. The centralized system keeps applicants informed during each stage of verification and approval.

• Log in to the official BSCC or RTPS portal
• Enter application or registration number
• Check verification, approval, or disbursement status
• Respond to queries or document corrections if required

Special Benefits Under Bihar Student Credit Card Scheme

The Bihar government has included inclusive provisions to support socially and economically disadvantaged students.

• Priority and additional support for female students
• Special consideration for differently-abled candidates
• Inclusive benefits for transgender students
• Faster processing and flexible repayment options

How Team Bodmas Can Support You

Understanding government education loan schemes like BSCC can be challenging due to eligibility rules, documentation, and online procedures.

Team Bodmas provides expert guidance to help students understand the Bihar Student Credit Card Scheme, choose eligible courses, prepare accurate documents, and complete the application process smoothly without errors.

Our support is especially valuable for students applying for professional courses or navigating government portals for the first time.